Transcript Highlights:

• And I went, the insurance commissioner came out. ...legislative district, and I went to the insurance
• insurance for entire zip codes.
• insurance for entire zip codes.
• Insurers... Insurers support wildfire mitigation. We support the IBHS standards.
• As the insurance commissioner mentioned, IBHS is kind of our thing. Insurers fund the research.

Bills: SB6061, SB5844, SB6079, SB6137, SB5831, SB6031, SB6178

Keywords: tourism, self-supported assessment, funding, statewide promotion, economic development, storage rental, tenancy agreements, tenant rights, landlord obligations, termination notice, insurance, wildfire prevention, policy nonrenewal, cancellation, risk management, sports wagering, sports betting, sports gambling, bookmaking, gambling regulation

Transcript Highlights:

• more clear that insurance companies are required to fix the entire ...to make it more clear that insurance
• And as those insurance rates did go up, what, Rep. Thompson?
• Hampton Williams, with the Missouri Insurance Coalition.
• Brandon Koch, also from the Missouri Insurance Coalition.
• And have, you know, problems with insurance claims.

Keywords: 959, house, all

Transcript Highlights:

• This is how much is the structure insured by your insurance company?
• They state insured or mortgage company. It has to have them insured. I do struggle.
• It's like insurance for insurance companies.
• So with that reinsurance, many insurance companies were and able to prove to offer property insurers
• insurance companies for coverage.

Transcript Highlights:

• House Bill 2996 specifies that a certificate of insurance is not an insurance policy, does not amend,
• and insured.
• So basically, House Bill 2996 expressly provides that a certificate of insurance is not an insurance
• rules of insurance regulation is insurance companies can't delegate away and say, hey, this is no longer
• If I am a modeling company and I have 10 insurance, If I am a modeling company and I have 10 insurance

Bills: HB2016, HB2104, HB2105, HB2174, HB2256, HB2289, HB2477, HB2903, HB2939, HB2979, HB2996, HB4103

Keywords: tax penalties, filing, tax returns, administration, Arizona Revised Statutes, agricultural property, classification, county assessor, property inspection, appeal process, property tax, agricultural classification, Department of Revenue, property valuation, inspection notice, inspection report, on-site inspection, full cash value, rural land, farm land

Transcript Highlights:

• There's insurance for that. Louisiana requires it. There is insurance when the driver's at fault.
• The insurance people.
• So right now, any commercial auto insurer and, well, the carriers and insured, Commercial auto insured
• What this does is the bill applies to insurers, health care, health insurance insurers, insurance producers
• , person, health insurance insurer, limited licensee, or entity.

Summary: The committee first took up HB 774, which would extend required hearing-aid coverage for certain individuals up to age 26. Representative Boyer said the bill helps young adults maintain access to hearing aids during school and early work years. The Louisiana Academy of Audiology supported the measure, and the committee adopted technical amendments and reported the bill favorably as amended. The committee then heard extensive testimony on HB 702, which would require transportation network companies to provide uninsured/underinsured motorist coverage. Representative Landry and supporters argued that current law and court rulings have left injured drivers and passengers without meaningful coverage in some cases, especially for riders who do not own cars and therefore lack personal UM coverage. Insurance agents and legal witnesses said they cannot currently find a product to cover the driver in certain ride-share phases, while Uber representatives opposed the bill, warning it would raise fares and noting that drivers already have optional occupational accident coverage and that passengers’ own UM coverage would generally apply. After debate over costs, coverage gaps, and whether the issue should instead be studied further, the committee voted to voluntarily defer the bill. The committee next considered HB 477, as substituted, which would require coverage for prosthetic and custom orthotic devices and associated services. Representative Ebert and witnesses described the bill as a modernization of existing coverage rules so people with limb loss can obtain more than one medically necessary device, including activity-specific prosthetics. Testimony from amputees and a physical therapist emphasized the impact on mobility, work, sports, and quality of life. The committee adopted the substitute and reported the bill favorably by substitute. The committee also reported HB 76, which updates oral anti-cancer medication parity rules, by adopting amendments that clarify applicability and exempt certain limited-benefit and ERISA self-funded plans. HB 903, which increases the commissioner of insurance’s fine authority, was amended to set higher aggregate caps and then reported favorably. Finally, HB 291, which would prohibit health plans from penalizing hospitals when a member of the care team is out of network, drew support from the sponsor and the Louisiana Hospital Association as a preventative measure against insurer pressure tactics; Louisiana Blue opposed it, citing cost concerns and questioning the need for the bill. The transcript ends during that bill’s hearing, before final action is shown.

Transcript Highlights:

• Today is Tuesday, March 24th, and this is a hearing of the House Insurance Committee.
• Court decisions since passage have created a need to clarify the insurance...
• It clarifies who gets the benefit of that insurance.
• Once the policy is purchased, the additional insured will be informed by the primary insured or its broker
• insurance is obtained.

Summary: The House Insurance Committee met on March 24 and first adopted minutes from several 2025 regular session meetings without objection. The committee then took up House Bill 941, which would modify the Louisiana Oilfield Anti-Indemnity Act and clarify when additional insured coverage is enforceable in the oil and gas industry. The bill’s author and witnesses from the Louisiana Oil and Gas Association and Expand Energy described it as a compromise reached after months of discussion among operators, contractors, insurers, and attorneys to codify the Marcel exception, reduce confusion over insurance coverage, renewal notice, group coverage, and deductible responsibility, and provide clearer guidance for litigation and claims. A substantive amendment adding a seven-day renewal notification period was adopted, and the bill was reported favorably with amendments. The committee next heard House Bill 825, which revises the Stated Value Homeowners Policy Act and removes a requirement that the Department of Insurance mail notices about stated value policies to every policyholder in the state. The author said the bill was largely a cleanup measure after Senate changes, and the amendment package also clarified replacement cost language and added protections for insurance agents by removing a cause of action against them. Testimony in support came from insurance industry representatives and the Department of Insurance, and the committee adopted the amendments and reported the bill favorably with amendments. After HB 825, the chair announced a brief recess because Representative Glorioso was not present for the next item. No votes were taken on the remaining matter before the recess.

Transcript Highlights:

• policy and you're not self-insured, that insurance policy can make a settlement payment to...
• Our insurance, our property insurance rates are through the roof.
• We can't get insurance companies to want to insure us anymore.
• Nine insurance companies provided all of our insurance up to $67 million.
• Now we have 24 separate insurance companies that insure us up to $50 million.

Summary: The subcommittee first heard HB 6507, a claims bill for Marcus Button, who suffered severe permanent injuries in a 2006 school bus crash. Representative Andrade explained that a jury awarded Button more than $2 million in 2009, but only a small amount was paid under sovereign immunity limits. He said Pasco County later reached a settlement with Button, but believed it lacked legal authority to pay without legislative approval. The bill would give the county that authority. There was no opposition testimony, and the bill passed unanimously, 18-0. The committee then took up HB 301, which would substantially revise Florida’s sovereign immunity framework. Representative McFarland said the bill would raise liability caps for state and local governments from $200,000/$300,000 to $1 million/$3 million, with a later increase in 2030, align statutes of limitations with private suits, allow governments to settle above the caps without a claims bill, and prevent insurance policies from conditioning payment on legislative approval. She framed the bill as a way to reduce the need for the claims bill process and provide faster redress to injured people. Testimony on HB 301 was sharply divided. Local governments, school districts, counties, cities, hospital groups, and insurance representatives opposed the bill, arguing the higher caps would sharply increase insurance and taxpayer costs, especially for small or fiscally constrained entities, and that the claims bill process and special masters provide useful review and leverage. Supporters, including the Florida Justice Association and several members, argued the current system is too slow and political, leaves seriously injured people waiting years for compensation, and should be modernized to better hold government accountable. No vote was taken on HB 301 in the portion of the meeting provided.

Transcript Highlights:

• This is the insurance insurance insurance regulators<00:19:14.640><c> solveny</c><00:19:15.280><c> regulation
• </c> programs as opposed to insurance programs as opposed to insurance companies.<00:36:16.320><c> Insurance
• </c> insurance language. insurance language.
• And while it's an old story in the insurance business, with some background in insurance, every insurance
• </c> the department of insurance. the department of insurance.

Keywords: 1189, house, all

Summary: The subcommittee took up the pooled risk management program bill and reviewed a new amendment drafted with input from the Insurance Department and Legislative Services. Department witnesses explained that the proposal would move oversight of pooled risk management programs from the Secretary of State’s office to the Insurance Department, add a licensure requirement, preserve the programs’ non-insurer status, and exempt them from third-party administrator licensure. They also described a series of solvency tools in the draft, including financial reporting, risk-based capital standards, minimum capitalization, investment limits, commissioner examination and enforcement authority, rulemaking authority, merger and affiliate-transaction review, confidentiality protections, and a separability clause. A major theme of the discussion was that pooled risk management programs differ from commercial insurers because the risk remains with the member local governments rather than being backed by a state guarantee fund. Witnesses said the bill is designed to emphasize solvency over return of premium and to give the Insurance Department a regulatory “toolbox” to prevent insolvency, including a proposed $5 million excess or stop-loss coverage benchmark, optional accessible policies, and a requirement that boards vote on dividends or premium returns when capital exceeds 600% of risk-based capital. Members questioned how this approach differed from the original Secretary of State bill and whether assessments on towns would still be possible; the department responded that the new framework would allow more flexible oversight and alternatives to immediate court action. The committee also discussed why the statute should continue to say the programs are not insurers, with the department explaining that this preserves their autonomy and avoids applying unrelated insurance laws and premium taxes. Members asked about the department’s workload and were told the department believed it could absorb the new duties without additional funding. No vote or final committee action was taken in the portion provided.

Transcript Highlights:

• </c> insurance provider. insurance provider.
• </c> insurance lead generators. insurance lead generators.
• Travel insurance is an unusual kind of insurance in that it's part insurance, part other services like
• Travel insurance is an unusual kind of insurance in that it's part insurance, part other services like
• Travel insurance is an unusual kind of insurance in that it's part insurance, part other services like

Keywords: 918, senate, all

Summary: The committee met to walk through nonpartisan side-by-side comparisons of House File 4188, focusing on differences between House and Senate language across consumer protection, insurance, financial services, health, and technical provisions. Staff highlighted numerous Senate-only items, including rules for financial providers communicating through trusted contacts, virtual currency requirements for banks and credit unions, a prohibition on virtual currency kiosks beginning in 2026, mortgage servicing and student loan servicing changes, the Rental Home Marketplace Guarantees Act, insurance and travel-related provisions, scrap metal licensing changes, protections related to minors accessing chatbots and AI companions, and several technical or conforming repealers. Staff also noted that some provisions were identical or substantially similar between the chambers, including mortgage originator standards, student loan borrower protections, securities-related changes, unclaimed property provisions, and technical updates in the bill’s miscellaneous articles. The Senate-only health-related articles were also summarized, including repeal of the prescription drug affordability advisory council, technical changes to the reinsurance program, and a series of health insurance provisions on enrollment-growth notices, limits on officer and director salary increases under certain capital conditions, guaranteed issue rights for certain Medicare supplement enrollees, data-sharing between Commerce and Health, restrictions on using artificial intelligence alone to deny claims, reimbursement for clinical trainees, home care nursing coverage, and PBM transparency. The Senate’s telecommunications article was described as largely technical and conforming, with repeals of obsolete statutes. Staff also noted that some standalone bills had already passed and would be removed from the comparison report. Public testimony followed. Thomas Elness of AARP Minnesota supported inclusion of the cryptocurrency kiosk bill, expressed support for guaranteed issue protections for a narrow group of consumers affected by discontinued plans, and urged adoption of changes to the consumer protection restitution account, including raising the cap to $10 million per fiscal year. Representative Lee testified that the restitution account proposal should be treated as policy rather than finance because it has a zero fiscal note, and said the House would accept the Senate’s $10 million cap. Robin Rowan, representing the Minnesota Insurance and Financial Services Council and the U.S. Travel Insurance Association, urged adoption of Senate travel insurance language, requested a House-style change to lead-generation recordkeeping language, and supported a Senate provision allowing employers and insurers to coordinate notice to employees when group policies are cancelled. The Department of Commerce then responded to questions, explaining that the prescription drug affordability council would be sunset because the board already has other avenues for public input, that the reinsurance changes were technical and did not alter the prior agreement, and that the abandoned cryptocurrency provisions rely on statutory definitions of inactivity and known examples such as keys stored in safes or deposit boxes.

Transcript Highlights:

• I've been working with insurance carriers and insurance plans.
• I think that in theory it could change the insurance rates because insurance companies admittedly will
• insurance, both disability insurance and health insurance.
• We had two insurance companies.
• There was one bill that was sent to the wrong insurance company, and that insurance company didn't pay

Summary: The committee first introduced RS 33403, a follow-on podiatry bill that would merge podiatry with the Board of Medicine and move certain rules into statute. Representative Ehlers explained it was a replacement for prior legislation, and the committee voted to introduce it without objection. The committee then heard House Bill 713 on copay accumulator policies. Representative Cannon and co-sponsor Representative Furman argued the bill would stop insurers from refusing to count third-party copay assistance toward deductibles and out-of-pocket maximums, especially for patients with expensive specialty drugs. Supporters, including patients and advocates, described serious financial hardship and treatment adherence problems caused by accumulators. Opponents, including the Idaho Association of Health Plans, argued the bill would raise costs and premiums, could conflict with Idaho’s anti-kickback law, and might interfere with private plan design. After debate, the committee voted 7-8 against the motion to send HB 713 to the floor, so the bill was held in committee. Next, the committee took up House Bill 655 and its related RS 33527, a pilot program to incentivize preceptorships by giving certain Medicaid providers a 12-month exemption from prior authorization requirements. The sponsor said the goal was to reduce administrative burden and increase training opportunities in rural areas and in family practice, psychiatry, and OB-GYN, with caps on participation and expansion to advanced practice providers and PAs in the RS. The committee first voted to hold HB 655 in committee, then approved RS 33527 for introduction and second reading. Finally, the committee heard House Bill 723 on children’s residential facilities. Representative Erickson said the bill would add quality-of-care oversight, annual unannounced inspections, resident and staff interviews, a youth bill of rights, and critical incident reporting, based on an OPE study and prior testimony about abuse and gaps in oversight. Testifiers, including parents and former residents, described abuse, isolation, and lack of reporting mechanisms in facilities and supported the bill. The committee discussed whether the bill created enforceable rights, but the sponsor said existing child protection and corrective action processes would apply. The bill was moved to the floor with a due pass recommendation.

Transcript Highlights:

• I've been working with insurance carriers, insurance plans.
• I think that in theory it could change the insurance rates because insurance companies admittedly will
• We are not anti-insurance.
• health insurance, both disability insurance and health insurance.
• We had two insurance companies.

Keywords: 989, all

Transcript Highlights:

• They essentially license all insurance agents and insurance agencies.
• They also investigate crimes associated with insurance fraud or insurer fraud and any insurance agent
• They also investigate crimes associated with insurance fraud or insurer fraud and any insurance agent
• Next up is Michael Yaroski, our Insurance Commissioner of the Office of Insurance Regulation.
• Next up is Michael Yaroski, our Insurance Commissioner of the Office of Insurance Regulation.

Summary: The State Administration Budget Subcommittee met for an introductory overview of the agencies under its jurisdiction and their current-year budgets. Chair Vicki Lopez welcomed members and staff, and each member briefly introduced themselves and identified areas of interest, with recurring themes including fiscal restraint, insurance regulation, revenue administration, condominium issues, and government efficiency. The chair then outlined the subcommittee’s overall budget, about $3.1 billion, and noted major recent policy areas affecting the budget such as condominium legislation and emergency communications funding. Agency heads then presented high-level summaries of their missions and budgets. The Department of Revenue described property tax oversight, tax administration, and child support enforcement; the Department of Management Services reviewed state purchasing, telecommunications, fleet, state insurance, retirement, and digital services; DBPR highlighted licensing, enforcement, condominiums, and building code work; DFS covered insurance consumer services, risk management, unclaimed property, fire marshal functions, and criminal investigations; the Gaming Control Commission discussed pari-mutuel and tribal gaming oversight and enforcement; OIR explained insurer solvency and rate review; the Lottery emphasized education funding and record sales; OFR described regulation of banking, securities, lending, and money services; DOAH outlined administrative and workers’ compensation adjudication; PSC covered utility rate regulation and consumer complaints; PERC described labor relations and career service appeals; and FCHR summarized discrimination complaint investigations and outreach. Several members asked questions about utility returns, insurance regulation staffing, DMS’s state employee health plan deficit and prescription drug formulary management, agency recommendations for reducing regulatory burden, and state facilities usage. Responses generally emphasized that utility rates and insurer filings are determined through evidentiary and actuarial processes, that OIR has reduced vacancies but still seeks specialized staff and a Tampa office expansion, and that DMS acknowledged rising health plan costs and said the issue likely requires broader budget-level discussion. The chair also pressed multiple presenters to stay focused on agency operations and budgets rather than broader policy issues. No votes or formal actions were taken in the meeting.

Transcript Highlights:

• </c> health insurance companies. health insurance companies.
• </c> insurance today. insurance today.
• . insurance. insurance.
• . self-insured. self-insured.
• </c> dental insurance costs, but maybe Mr. dental insurance costs, but maybe Mr.

Bills: HF3119

Keywords: teacher compensation, educational staff, unlicensed staff, minimum wage, inflation adjustment, education finance, 1183, house

Transcript Highlights:

• </c> Travel insurance is a unique insurance product not only because it contains insurance and non-insurance
• unique</c><00:29:36.120><c> insurance</c> Travel insurance is a unique insurance Travel insurance is
• </c> health insurance. health insurance.
• </c> payer insurance. payer insurance.
• </c> NCUA insurance. NCUA insurance.

Keywords: 1187, senate, all

Transcript Highlights:

• and assessed by a surcharge on commercial insurers, reinsurers, and trusts overseeing self-insured plans
• </c> not paid for by commercial insurers not paid for by commercial insurers uncollectible<00:21:15.400
• </c> work provided by the insurance work provided by the insurance department<00:44:18.880><c> and</c
• </c> the insurance that the um yeah the insur the insurance that the um yeah the insur the<01:10:07.840
• So whether they're insured or not insured, they often qualify to get our sliding scale.

Keywords: 1191, senate, all

Transcript Highlights:

• , with costs shared among member insurers.
• This legislation addresses an insurance practice which unfairly allows insurance companies to reduce
• The insurer then may want to... ...repairs are complete, the insurer is supposed to pay the remainder
• Insurance policies have clauses stating insurers will need to request the withheld depreciation within
• It is all the more important in this line of insurance because title insurance is the only line of insurance

Bills: HB1464, HB1635, HB2516, HB3317, HB3502, HB4012, HB4268, HB4386, HB4877, SB916

Keywords: prescription drugs, drug pricing, pharmacy benefits, health insurance, health benefit plan, insurer, HMO, self-insured employer, public employer, school district, county, municipality, university system, higher education, retirees, dependent coverage, stop-loss coverage, bulk purchasing, group purchasing, purchasing pool

Transcript Highlights:

• The Committee for Insurance will now come to order. Madam Clerk, please call the roll.
• Hampton Williams with the Missouri Insurance Coalition.
• Most insurers then were large and established entities.
• The National Association of Insurance Commissioners, widely regarded as the gold standard for insurance
• And vehicle theft is a huge driver in auto insurance premiums.

Keywords: 959, house, all

Transcript Highlights:

• Today we'll be taking up bills related to health insurance and other insurance matters.
• Since health insurance companies and magistrates will pay for fake arms, legs, breasts, Health insurance
• We could expand that out to be insurance companies, insurance agents, and fuel oil dealers.
• I have had insurance for the early part of this, but I haven't had insurance for the latter half.
• I do not have dental insurance.

Keywords: 995, all

Summary: The hearing opened with the Senate and House chairs of the Joint Committee on Financial Services explaining that the day’s agenda would focus on health insurance and other insurance matters, with a large number of witnesses and a request for brief testimony. Legislators were taken out of order to accommodate their schedules, and the committee heard testimony on several bills, including coverage for hair prostheses for alopecia (H. 1223/S. 832), medically necessary oral and dental care for head and neck cancer survivors (H. 1258), modernizing fertility and family-building coverage (H. 715/H. 1190 and related bills), coverage for prosthetic devices to support physical activity for people with limb loss (the “So Everybody Can Move” bill), remediation coverage for home heating oil releases (S. 813/H. 1302), and expanded access to physical therapy for Ehlers-Danlos syndrome (H. 1170). A separate bill on sickle cell care and registry development (S. 788) was also discussed by Senator Liz Miranda. Witnesses largely offered personal stories and expert testimony in support of the bills. Advocates for alopecia coverage described the medical and emotional impact of hair loss, the high cost of quality wigs, and the argument that scalp and facial hair prostheses should be treated like other medically necessary prosthetics. Cancer survivors and supporters of H. 1258 said oral and dental care after head and neck cancer treatment is a quality-of-life issue and often not covered despite major out-of-pocket costs. Fertility specialists, LGBTQ+ advocates, and legislators supporting the modern family-building bills said the current infertility definition is outdated and discriminatory, excluding same-sex couples, people needing donors or gestational carriers, and others with medical barriers to conception. For the limb-loss bill, parents and adults with prosthetic needs stressed that activity-specific prostheses are essential for children and adults to run, swim, play sports, and stay healthy, but are often excluded from coverage. The home heating oil testimony focused on the financial devastation caused by residential oil spills and the need to make spill coverage automatic in homeowners policies. Environmental professionals and homeowners described cleanup costs ranging from tens of thousands to hundreds of thousands of dollars, the strict liability homeowners face, and the fact that many policyholders do not know the rider exists. The insurance industry testified in opposition to the mandatory-coverage approach, arguing for clearer distinctions between first- and third-party coverage, risk-mitigation standards, a delayed effective date, and more emphasis on education and notification rather than mandates. Committee members pressed the industry witness on why agents do not routinely tell customers about the rider and suggested that the issue may require broader disclosure by insurers, agents, and fuel dealers. No votes were taken during the hearing; the committee heard testimony and discussed possible compromise language and future action.

Transcript Highlights:

• Only the UM/UIM portion of the insurance—the many layers of overlapping insurance that protect both drivers
• . only the UMUIM portion of the insurance of the many layers of overlapping insurance that protect both
• But also, we've seen insurance costs because we're insisting on insurance levels that are higher than
• Today, each trip is covered by multiple forms of insurance: a million dollars in liability insurance,
• And so we're not trying to diminish that insurance, and we're not trying to eliminate any type of insurance

Summary: The Assembly Communications and Conveyance Committee heard three bills. SB 371 by Senator Cabaldon would reduce uninsured/underinsured motorist coverage requirements for transportation network companies from $1 million to $100,000 per person and $300,000 per accident, with committee amendments adding findings and declarations, higher limits than originally proposed, and a joint study on UM/UIM impacts. Supporters, including Uber, Lyft, business groups, and some consumer advocates, argued the bill would lower fares and increase driver earnings by reducing insurance costs. Opponents, including consumer attorneys, labor groups, and consumer watchdog organizations, warned it would cut protections for riders and drivers and might not guarantee savings would be passed through. The committee approved SB 371 on a due-pass basis and re-referred it to Appropriations by a 9-0 vote. The committee then heard SB 716 by Senator Durazo, which would create a Home Internet Lifeline Program to let eligible low-income households apply Lifeline subsidies to home broadband service. Proponents said the bill addresses broadband affordability after the federal Affordable Connectivity Program expired, and that it would help students, workers, and families access reliable internet. Opponents from the wireless industry objected to the funding mechanism, arguing the surcharge would fall unfairly on wireless consumers, while one broadband group moved to neutral after amendments. The bill was approved on a due-pass basis and sent to Appropriations, but the roll was held open and later completed with the bill passing 7-1. The committee also took up SB 480 by Senator Archuleta relating to autonomous vehicles as a consent item, with no presentation or debate. It was approved on a due-pass basis and re-referred to Appropriations by a 9-0 vote. Throughout the hearing, members repeatedly focused on affordability, consumer protection, and whether savings from the bills would actually reach riders, drivers, or households.

Transcript Highlights:

• Idaho Health Insurance Exchange Board to the Senate with a due pass recommendation. Okay.
• My email has been flooded with people who are seeing their health insurance go sky high.
• For the record, my name is Wes Trexler, Deputy Director, Idaho Department of Insurance.
• We just spoke about the Small Group Insurance Availability Act.
• includes health insurance plans.

Keywords: 989, all