Video & Transcript Research : 'premium structure'

Page 47 of 494
US
Transcript Highlights:
  • This shortage is a structural feature of our country's housing system.
  • And these are all areas where they're very necessary. but if you start to look at, you know, premiums
  • collected and, you know, ultimately when the premiums need to be paid out, there are opportunities to
  • HOME, as you know, it's another financing structure to allow deals to pencil out.
  • And so the new houses that were being bought are actually at a premium.
Summary: The committee meeting focused on addressing the significant issue of affordable housing in America. Members expressed concern over the persistent barriers faced in the housing sector, despite substantial government investment aimed at alleviating these issues. It was highlighted that government interference plays a critical role in complicating the housing landscape, and discussions revolved around potential legislative approaches to mitigate these challenges. Several witnesses provided testimony, contributing to a thorough exploration of the topic.
CA

California 2025-2026 Regular Session

Assembly Floor Session Jun 25th, 2026

California House Floor Meeting

Transcript Highlights:
  • Not counting land, I'm just talking about building the same structure in California—the cost is double
  • Revenues are off the charts, and yet you still have a structural budget deficit of $20 to $30 billion
  • want to raise taxes, but in this budget, where we have record revenue, they have spent us into a structural
  • And with record revenue, we are raising taxes in this budget, including health care premiums, are going
  • Including health care premiums are going up by some 97.57%. Consider the source.
Summary: The Assembly convened after a quorum call, prayer, and Pledge of Allegiance, then handled a series of procedural motions to re-refer bills, suspend rules, and remove items from the consent calendar. The chamber also heard guest introductions recognizing family milestones, a youth leadership program from Assembly District 13, a delegation of Japanese business leaders, and a Michoacan delegation. Later, members adopted several resolutions and consent items, including California Craft Beer Week, the Freedom Flag as a 9/11 remembrance symbol, Probation Services Week, and California Wildfire Week, along with other consent-calendar measures. The main floor debate centered on SB 417, a $10 billion housing bond for the ballot, with supporters emphasizing the state’s housing shortage, homelessness crisis, and funding for multifamily housing, supportive housing, homeownership, farmworker housing, student housing, tribal housing, infrastructure, and preservation of existing affordable units. Opponents criticized the proposal as adding debt without enough reform and objected to the use of veterans in the measure’s messaging. The Assembly passed SB 417 on urgency and on the measure, 54-7, and sent it to the Senate. Members then adopted ACA 20, which would expand and modernize the state Rainy Day Fund by increasing its cap and changing deposit rules; it passed 54-8 and was transmitted to the Senate. The Assembly also approved SB 623, a transportation-related bill addressing rideshare safety and medical lien practices. Supporters said it would curb abusive billing, restrict attorney conflicts and kickbacks, require stronger background checks for TNC drivers, and allow women riders and drivers to request women-only matches. The measure passed unanimously, 67-0. Later, the House adopted ACA 21, which removes ACA 13 from the November ballot, by 62-0, and ACA 22, which amends a ballot measure affecting taxation and local fiscal resources, by 64-0. The session concluded with an adjournment in memory of Dr. Dorothy Viola Calvin, followed by announcements, recesses, and final adjournment until the next scheduled floor session.
LA

Louisiana 2026 Regular Session

Health and Welfare Apr 28th, 2026

Health and Welfare

Transcript Highlights:
  • They should be transparent, they should be clear, and they should be structured with contracts that place
  • Employers believe they are purchasing meaningful coverage for their employees, yet the structure of these
  • They either have to look at higher premiums, higher copays, and out-of-pocket costs, or reduce benefits
  • mandate dictating plan operations, which actually undermines the free market by standardizing fee structures
  • If they don't get what they're needing, we don't get premium next year.
Bills: SCR37, SB145, SB237
Summary: The House Committee on Health and Welfare met on April 28 with a quorum and took up several health-related bills. SB 113, concerning the local health care provider participation program in Calcasieu Parish, was amended with a technical set and reported favorably with amendments after the author explained it would shift the local sponsor from the parish to the city. SB 23, which exempts certain assisted living facilities from the definition of food service establishment, was reported favorably. SB 150, allowing LDH to scan and return supporting documents for vital records changes, was also reported favorably. SB 221, which would allow EMS providers to be reimbursed by Medicaid for treating patients on scene without transport, drew questions about billing, coding, and implementation but was reported favorably, with members noting it could reduce unnecessary ER use and costs.
LA

Louisiana 2026 Regular Session

Health and Welfare Apr 28th, 2026

Health and Welfare

Transcript Highlights:
  • They should be transparent, they should be clear, and they should be structured with contracts that place
  • Employers believe they are purchasing meaningful coverage for their employees, yet the structure of these
  • national process to mature and to decide how to tailor it, rather than locking into an untested structure
  • They either have to look at higher premiums, higher copays, and out-of-pocket costs, or reduce benefits
  • If they don't get what they're needing, we don't get premium next year.
Summary: The House Committee on Health and Welfare met on April 28 with a quorum and took up several Senate bills, beginning with SB 113 on the local health care provider participation program in Calcasieu Parish. The committee adopted a technical amendment and heard that the bill would shift the local sponsor from the parish to the city if needed by a June 1 deadline. After brief discussion and no opposition, SB 113 was reported favorably with amendments. The committee then approved SB 23, which exempts certain assisted living facilities licensed by LDH from the definition of food service establishment, and SB 150, which would allow LDH to scan and electronically store vital records supporting documents and return originals to citizens. SB 221 also advanced after testimony that it would allow EMS providers to be reimbursed by Medicaid for emergency responses where treatment is provided on scene but the patient is not transported. Members discussed that the bill could reduce unnecessary ER use and likely would require some rulemaking, but it was reported favorably. A major portion of the meeting focused on SB 404, a broad vision benefit plan reform bill. Supporters, including optometrists, said the measure would improve transparency, patient choice, and access to eye care by limiting restrictive plan practices; opponents from the vision care plan industry argued it was an unprecedented, provider-driven overhaul that could raise costs and reduce flexibility. After extensive testimony and an agreed amendment clarifying network participation, the committee reported SB 404 favorably with amendments. The committee also reported SB 32 favorably with amendments after emotional testimony from parents and advocates about perinatal bereavement care, cooling devices, and training for hospitals to give grieving families more time and dignity after infant loss. Finally, the committee heard SB 43, which would create a psychedelic-assisted therapy initiative within LDH for clinical research and treatment involving ibogaine and psilocybin, with testimony from veterans, researchers, and advocates describing potential benefits for PTSD, substance use, and traumatic brain injury. The bill was reported favorably with amendments and set to pass a courtesy sheet. The committee then began SB 253, a bill regulating peptides and compounding pharmacies, adopted technical amendments clarifying provider liability, and continued discussion as the transcript ended.
NM

New Mexico 2025 Regular Session

IC - Federal Funding Stabilization Subcommittee Jul 2nd, 2025

Federal Funding Stabilization Subcommittee

Transcript Highlights:
  • The structural budget deficits over this period of time, there was an extraordinary spike in federal
  • where in the 90s, welfare-to-work reforms took an entitlement program that had a similar kind of structure
  • How does that play out for affordability for people who might rely on those wages for premium cost-sharing
  • Fewer people to pay that premium.
  • So, as we look at how the state work requirements are structured, is it a hassle factor, or is it literally
FL

Florida 2026 Regular Session

Appropriations Committee on Higher Education Mar 11th, 2025

Appropriations Committee on Higher Education

Transcript Highlights:
  • And as you all know, state law health insurance premiums, FICA, et cetera.
  • A number of auxiliary accounts are used to finance debt, for example, for parking structures, parking
  • Debt, for example, for parking structures, parking garages, things like that.
  • So it gives the local boards the ability to create enrollment plans that are structured and multi-...
  • ...the ability to create enrollment plans that are structured and multi-year.
Summary: The committee held an informational hearing on higher education funding, focusing on how Florida’s university system should be financed and whether a new funding model is needed. University system financial officers and Chancellor Ray Rodriguez discussed major cost drivers, including wages and benefits, utilities, maintenance, financial aid, research, and the effects of geography, institutional mission, and student mix. UF highlighted the cost of research and graduate programs; UCF and FAU pointed to growth, location, and cost of living; FAMU emphasized recruiting top-tier talent while relying on other revenue sources; and UNF noted the challenges of growth and long-term planning. Members also discussed the role of internal controls and audits in addressing excessive spending and questioned whether out-of-state tuition should be adjusted to help offset costs. On revenue sources beyond state appropriations and tuition, the panel described auxiliaries, restricted funds, capital projects, and component units such as foundations and health systems. Several universities noted that some revenues are restricted to specific purposes and cannot be used for general operations. FAMU explained that a large share of its capital project funding reflected active campus construction, while UF said its component-unit revenue is largely tied to UF Health. The Chancellor emphasized that the system’s low tuition and strong state support are central to Florida’s national standing, but also noted that some auxiliary revenues are pledged to debt and must be managed carefully. When discussing the current funding process, witnesses praised Florida’s performance-based funding model for aligning incentives with student success, transparency, and accountability. They also raised concerns about non-recurring appropriations, rising employee benefit costs, unfunded mandates, deferred maintenance, and the difficulty of multi-year planning. Suggestions for improvement included more recurring funding, better coverage of mandated costs, greater flexibility in fee-setting, and possible weighting for mission, geography, and institutional type. The Chancellor said the Board of Governors is considering a “version 3.0” of performance-based funding that would benchmark institutions against peers and Carnegie classifications, but any changes would require legislative action. On out-of-state tuition, most universities said they would prefer local board flexibility, while the Chancellor cautioned that increasing out-of-state enrollment or fees could affect future state support and should be balanced carefully.
CA

California 2025-2026 Regular Session

Senate Emergency Management Committee Apr 21st, 2026

Emergency Management

Transcript Highlights:
  • than 38,000 acres of land, ...fire consumed more than 38,000 acres of land, destroyed over 16,000 structures
  • development that currently exists, but this bill really seeks to build on that and create a permanent structure
  • development that currently exists, but this bill really seeks to build on that and create a permanent structure
  • Insurers are raising premiums to cover increased risk. Some are leaving the state altogether.
  • know what works to protect homes from wildfires: proven measures like vegetation clearance around structures
Keywords: 987, senate, all
NM

New Mexico 2025 Regular Session

IC - Economic and Rural Development Dec 8th, 2025 at 09:32 am

Economic & Rural Development & Policy Committee

Transcript Highlights:
  • They get a premium. Rather than your farm fresh produce. Local farmers are small.
  • They get a premium. Local farmers are small. They get a premium.
  • And also very important to see the benefit structure.
  • whatever reason, unprepared for their future So somehow we need to determine and implement a solid structure
  • So somehow we need to determine and implement a solid structure of employment that we can see that we're
Keywords: 996, all
NH

New Hampshire 2026 Regular Session

House Session (05/14/2026)

New Hampshire House Floor Meeting

Transcript Highlights:
  • Now, I pressure on insurance premiums.
  • If insurance companies collect the premiums, they should help provide the care.
  • Speaker. regarding the structure of the bill, the regarding the structure of the bill, the assessment
  • <04:15:55.920> of deals rather with the structure of deals rather with the structure of government
  • more structured and predictable process. more structured and predictable process.
Keywords: 1189, house, all
NH

New Hampshire 2025 Regular Session

House Judiciary (09/15/2025)

Transcript Highlights:
  • I'm just not sure this bill is structured in a way that does that in a way that is either practical or
  • it it does way this bill is structured it it does that<00:19:38.240> in<00:19:38.400> a
  • I think that there, of course, is going to be a premium for these kinds of protections.
  • I think that there, of course, is going to be a premium for these kinds of protections.
  • <00:29:48.399> uh course there is going to be a premium uh course there is going to be a premium
Keywords: 1189, house, all
Summary: The subcommittee work session focused on House Bill 293, which would prevent minors from accessing obscenity on certain internet-connected electronic devices. Chair Pardell opened by noting the bill had been discussed several times and that the goal was to find language acceptable to the committee. Representative Coutab argued the bill is important for child safety, said parents vary in technical ability, and pointed to Apple as evidence that filtering tools can be implemented. He asked whether the other members saw a path forward and what it might look like. Representatives McFarland and Tur both said they support the underlying concern but questioned the bill’s structure and practicality. McFarland emphasized parental responsibility and individual liberty, said any final language should avoid infringing on rights or creating indirect pressure on corporations, and suggested looking at other states’ approaches and Apple’s closed ecosystem as a limited example. Tur said the bill may solve one problem while creating others, especially by placing the burden on device manufacturers and browsers rather than on the content providers; he cited the recent Texas Paxton decision as an example of a more targeted age-verification approach aimed at websites. Both expressed concern that a broad device-level mandate may be difficult to implement consistently across different platforms. Chair Pardell responded that the bill is intended to add protective measures rather than impose a blanket ban, and compared it to existing restrictions on minors accessing alcohol, tobacco, or pornographic magazines. She said the proposal is meant to ask for the user’s age during device setup, not to require identification or database checks, and stressed that parents would still be responsible for entering accurate information. Members also discussed whether Apple’s tools are generalizable to Android and other ecosystems, whether the market is already developing solutions, and whether a parent-facing filter or device-level controls would be the best route. Pardell said the committee had received public feedback and that another work session would likely be held in October; no vote or final action was taken.
LA
Transcript Highlights:
  • And I can inform you all that structurally and financially, we're better off than we've ever been.
  • Where it is provided, it's often functionally inaccessible because the premiums and the deductibles are
  • too high, or unaffordable because the premiums are too high.
Summary: The Louisiana Public Defender Oversight Board met on June 18, 2026, established a quorum, and adopted the agenda. Public comment took up most of the meeting, with numerous district defenders and chief defenders speaking in support of State Public Defender Remy Starns. Speakers from several districts said the system is more unified, communication with the state office has improved, and local offices feel better supported than in the past. Several also credited Starns with visiting districts, helping with local issues, and improving coordination on capital and non-capital work. One speaker, Richard Thompson, emphasized Starns’ background and training under Sam Dalton, and another noted that a recent staffing decision in St. John the Baptist Parish ultimately proved beneficial for mentorship and resource sharing. Starns then gave his state public defender report. He said the system has improved over the last seven years and argued that public defense still needs a stable, renewable funding source comparable to other parts of the criminal justice system. He discussed legislative changes affecting public defense, including a cleanup bill, a law eliminating filing fees for writs and appeals, and a new procedure related to expert-fee claims after a recent Louisiana Supreme Court decision. He also described ongoing efforts to integrate capital and post-conviction work into district offices, expand the laws/writs program, and use local and state resources more efficiently. He thanked the board, the Public Defenders Association, and the late Mike Ginnart, whom he praised for his leadership and service. The board then considered and adopted proposed bylaws. Members discussed the need for a vice chair and a secretary, the role of special committees, and whether committee meetings should be public and limited to less than a quorum. The bylaws were adopted with the understanding that a committee would review and refine them later; volunteers were named for that committee. The board then elected a vice chair and designated the Office of the Public Defender, with staff assistance, as secretary for recordkeeping. Finally, the board heard a presentation on the strategic plan, which was described as largely unchanged from FY25 except for updates to reflect current law, accessibility requirements, training, compliance, and communication goals. The strategic plan was adopted by resolution, and the meeting adjourned.
VA

Virginia 2026 Regular Session

March 14, 2026 - Regular Session Part 3

Virginia House Floor Meeting

Transcript Highlights:
  • Virginia's integrated resource planning process with greater transparency, improved modeling, and a structured
  • asking hospitals and insurance companies to open up their books to report, specifically for insurers, premiums
  • asking hospitals and insurance companies to open up their books to report, specifically for insurers, premiums
AZ

Arizona 2026 Regular Session

02/17/2026 - House Commerce

Commerce

Transcript Highlights:
  • And in Arizona's construction industry alone, more than $65 million in premium fraud occurs every year
  • . ...construction industry alone, more than $65 million in premium fraud occurs every year, along with
  • It’s been streamlined to about a quarter of its original structure.
  • In that process. to about a quarter of its original structure. In that process.
  • Tobacco retail licensing can greatly help enforcement efforts if it's structured properly.
MN

Minnesota 2025-2026 Regular Session

Committee on Commerce and Consumer Protection - 04/14/26

Commerce and Consumer Protection

Transcript Highlights:
  • Loss<01:30:48.800> premium<01:30:49.200> tax<01:30:49.520> credits<01:30:49.920>
  • from<01:30:50.080> the Loss premium tax credits from the Loss premium tax credits from
  • ,<01:32:05.040> and proactive regulatory structure, and proactive regulatory structure, and
  • simplified regulatory structure This simplified regulatory structure will<01:32:36.440> also<
  • Here the language has been modified slightly to remove the provision related to the premium tax.
Keywords: 1187, senate, all
LA

Louisiana 2026 Regular Session

House of Representatives May 12th, 2026

Louisiana House Floor Meeting

Transcript Highlights:
  • Next bill, Senate Bill 85 by Senator Miller, payment of group insurance premiums for retired sheriff
  • All this bill does is establish a framework for funding group insurance premiums for the St.
  • All this bill does is establish a framework for funding group insurance premiums for the St.
  • All this bill does is establish a framework for funding group insurance premiums for the St.
  • for, when you have a pool of individuals that are healthy, they, in essence, by paying in those premiums
Bills: HR265, HR266, HR267, HR268, HR269, HR270, HR271, HR272, HR273, HCR107, HCR108, HCR109, HCR110, HCR111, HR257, HR258, HR259, HR260, HR261, HR262, HR263, HCR105, HCR106, SCR30, SB57, SB157, SB202, SB237, SB276, SB450, SB465, SB501, SB525, HR3, HR80, HR197, HR243, SCR5, SCR35, HB4, HB623, HB944, HB986, HB1098, HB1222, SB34, SB164, SB172, SB198, SB208, SB232, SB281, SB286, SB317, SB322, SB334, SB380, SB385, SB409, SB417, SB421, SB430, SB439, SB447, SB458, SB510, SB398, HB646, HR84, HR188, HR205, SCR19, SCR3, SCR6, SCR18, SCR11, SCR22, SCR2, SCR20, SCR24, HCR6, HB301, HB359, HB657, HB675, HB680, HB727, HB302, HB819, HB1257, HB1258, SB8, SB10, SB11, SB12, SB13, SB14, SB16, SB17, SB18, SB20, SB21, SB22, SB40, SB48, SB55, SB69, SB75, SB77, SB78, SB85, SB102, SB115, SB133, SB140, SB148, SB151, SB165, SB169, SB170, SB185, SB197, SB200, SB217, SB235, SB278, SB280, SB291, SB300, SB303, SB315, SB324, SB330, SB411, SB416, SB420, SB436, SB438, SB449, SB455, SB456, SB477, SB489, SB521, SB45, SB58, SB71, SB81, SB92, SB100, SB109, SB141, SB156, SB181, SB203, SB204, SB205, SB207, SB213, SB214, SB216, SB229, SB257, SB274, SB290, SB304, SB374, SB379, SB396, SB410, SB425, SB427, SB429, SB479, SB522, HCR72, HB633, HB603, HB940, HB251, HB775, HB998, HB1191, HB625, HB1255, HB901, HR20, HR74, HCR65, HCR71, HB284, HB306, HB341, HB366, HB393, HB458, HB577, HB582, HB605, HB614, HB733, HB752, HB773, HB798, HB911, HB955, HB996, HB1035, HB1069, HB1113, HB1140, HB1180, HB1240, SB82, SB89, HB258, HB842, SB149, SB382, SB441
Summary: The House convened with prayer, the pledge, roll call, and several personal privileges recognizing visitors and special observances, including Transportation Day and a day without child care at the Capitol. Members also honored the Southern University Laboratory School track teams, early childhood educators, and later offered condolences and tributes, including a memorial resolution for Derek Butler’s family and birthday recognitions for members and staff. The chamber received Senate messages, committee reports, and introduced or adopted several resolutions and bills throughout the day. A major portion of the floor was devoted to retirement-system cleanup and funding bills, including Senate Bills 8, 10, 11, 13, 14, 16, 17, 18, 20, and 21. Members and authors explained these measures as technical changes to simplify contribution formulas, separate funding for COLAs and benefit increases from debt paydown, and update reemployment or benefit rules for retirees in various systems. Most of these bills passed with large margins after brief questions about whether they would affect automatic debt reduction; authors repeatedly said they would not stop debt paydown. Other measures passed on topics such as emergency vehicle procedures, international driving reciprocity with Ireland, seat belt use, port commission appointments, GOHSEP cybersecurity authority, storage facility rental rules, biomarker testing coverage, DNA sample collection procedures, and a law-institute bill on movable-property leases. The House also adopted HCR 72, the Jonas A. Feeley Act, which memorializes Congress to expedite research and treatment development for acute myeloid leukemia in honor of a deceased veteran, and H.B. 1258, which directs the Department of Wildlife and Fisheries on handling unlawfully possessed sick, injured, or orphaned wildlife. Another notable bill, Senate Bill 200, created a process for expropriating property tied to foreign adversaries near military bases, with amendments allowing voluntary divestment before expropriation. Most measures were adopted by wide margins, with co-author votes taken on some resolutions and bills tabled or returned to the calendar when requested. The most extended debate centered on Senate Bill 217, which would reduce the number of judges in Orleans Parish courts based on a statewide workload study. Supporters said the National Center for State Courts study showed Orleans had more judges than comparable parishes and that the bill would right-size the courts and save about $2.1 million. Opponents questioned the study’s methodology, the lack of Orleans delegation involvement, the counting of cases, the absence of uniform statewide clerk-of-court standards, and whether reducing criminal judges made sense given crime concerns. Despite the criticism, the bill was advanced after lengthy questioning, while the chamber continued to move other bills and resolutions forward.
NM

New Mexico 2026 Regular Session

House - Appropriations and Finance Jan 29th, 2026 at 01:49 pm

House Appropriations & Finance

Transcript Highlights:
  • So the department's liability insurance premium went up by about $5.1 million.
  • This is for employee liability insurance premiums, and it's just shy of $400,000.
  • Chair and Representative, premiums are assessed individually by agency.
  • That is not how the federal administration ended up structuring that grant. It's wide-ranging.
  • So $38.1 million for those enhanced federal premium tax credits.
Keywords: 996, all
TX

Texas 89th Regular

Delivery of Government Efficiency Mar 26th, 2025

Delivery of Government Efficiency

Transcript Highlights:
  • To set the premiums paid to an MCO.
  • So that structure is the one that we are talking about that was considered to be unlawful.
  • Yes, the structure today, we're all operating in it.
  • Structurally, I agree; he did get the touch. But what would you add to that?
  • We manage our premium well, and we have satisfied and happy members and providers.
MN

Minnesota 2025-2026 Regular Session

Agriculture Committee Meeting - 2026-04-08

Agriculture Finance and Policy

Transcript Highlights:
  • <01:11:07.760> U<01:11:08.239> the structures, often called wraps.
  • U the structures, often called wraps.
  • <01:11:16.080> Think<01:11:16.239> of rollover protection structures.
  • Think of rollover protection structures.
  • And again, you look at the picture of this and it looks like an innocent enough structure.
Bills: HF2103, HF4508