Video & Transcript Research : 'premium discrimination'

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TX

Texas 89th Regular

Water, Agriculture, and Rural Affairs May 12th, 2025

Water, Agriculture and Rural Affairs

Bills: HB630, HB685, HB1318, HB2692
Summary: The Senate Committee on Water, Agriculture, and Rural Affairs met with no quorum at the start, but later reached quorum and took up several bills. House Bill 2692, codifying the San Antonio River Authority’s enabling legislation and making non-substantive modernization changes, received brief supportive testimony from the River Authority and was left pending before later being voted out favorably. House Bill 685, which would prevent municipalities from charging higher water or sewer rates to tax-exempt entities than comparable customers, also drew support and was reported favorably. House Bill 1318, clarifying compensation issues when a municipality decertifies part of a retail water utility’s service area, was heard without opposition and passed out of committee. House Bill 630, exempting certain older outboard motors from title requirements, likewise passed and was placed on the local and uncontested calendar. The committee spent the most time on Senate Bill 2497, relating to filtration systems for certain public drinking water systems. Senator Zaffirini described the bill as a response to ongoing secondary water quality complaints, while TCEQ testified that such contaminants are aesthetic rather than health-based and that the water remains safe to drink if primary standards are met. The Texas Rural Water Association opposed the bill as written, arguing filtration may not solve most water quality problems and could be costly for small systems, while a consumer witness from Floresville supported it and described repeated rate increases and brown water after a filtration system was removed. Members discussed narrowing the bill through a committee substitute and emphasized the need for flexibility and technical expertise; the committee substitute was adopted and the bill was reported favorably, with Senator Kolkhorst later asking to be recorded as voting no. The committee also heard Senate Bill 2850, which would create a pollinator task force to study habitat loss, public education, and best practices for protecting bees and other pollinators. Senator Menendez and invited witness Erica Thompson of Texas BeeWorks highlighted major colony losses and the economic importance of pollinators to Texas agriculture, and Environment Texas and the Texas Beekeepers Association supported the measure. Members discussed monarch butterflies, native grasses, milkweed, and conservation efforts, and the bill was reported favorably and sent to the local and uncontested calendar. After testimony, the committee also voted out several pending items, including House Bill 5560 with a committee substitute addressing water-loss penalties and infrastructure improvements, and then recessed subject to the call of the chair.
TX

Texas 89th Regular

Insurance Apr 2nd, 2025

Insurance

Transcript Highlights:
  • Currently, the Texas Windstorm Insurance Association policyholders can pay their premiums using premiums
  • . premium financing company.
  • It's a premium financing option, and we have many, many that do use the...
  • Anything less is medical abandonment and discrimination.
  • Premiums have increased 25% just since 2019.
TX

Texas 89th Regular

Insurance Apr 2nd, 2025

Insurance

Transcript Highlights:
  • The premium dollar of TWIA is money that does not go into the Catastrophe Reserve Trust Fund that they
  • It's our premiums that we earn during the year in our catastrophe reserve trust fund.
  • Right, the premium is a percentage of the cost of the house, the value of the house.
  • That experience manifests itself as a reduced risk and corresponding reduced premium.
  • Premium tax revenue, all of which flows into general revenue, was $6.7 billion.
TX

Texas 89th Regular

Insurance Mar 26th, 2025

Insurance

Transcript Highlights:
  • There are some life insurers that offer wellness programs that help people get discounts on their... premiums
  • We all recognize it in our premiums, and we simply must, in my opinion, fix the way the market functions
  • All those costs are passed on to you in premiums; it's very important to understand that.
  • then obviously flows down to the patients and consumers, would really feel any difference in their premium
  • Premiums, we have offered that suggestion to this bill. This is our sort of set your watch to it.
TX

Texas 89th Regular

Insurance Mar 26th, 2025

Insurance

Transcript Highlights:
  • Our average premiums for small businesses skyrocket.
  • Or, you know, you could say, "Hey, their premiums have gone up 5%."
  • The problem is the premiums. The problem is the access. The premiums are too high.
  • So, if that's the question we're asking, let's look at the premiums in our state.
  • The premiums in our state are lower.
HI

Hawaii 2026 Regular Session

CPN-JDC, CPN, CPN, CPN Public Hearings 03-04-2026

Commerce and Consumer Protection

Bills: SB2386, SB2804, SB2852
Summary: The committees met in decision-making sessions on several bills and generally advanced them without opposition. Early actions included SB 2386, which clarifies job-posting pay disclosure requirements and lowers the small-employer exemption threshold, and SB 2804, both recommended to pass unamended. SB 2852, addressing accessibility of information and communications technology for people with disabilities in public accommodations, was also recommended to pass unamended. SB 2975 on marine life conservation districts was advanced unamended despite a noted defective effective date. The CPN committee then acted on SB 3019, a consumer protection bill, recommending passage with amendments to require refunds of certain fees upon cancellation and to defect the effective date to July 1, 2050. SB 3231 on agricultural districts, SB 2378 on housing, and SB 3062 on liquor were all recommended to pass with amendments and a defective effective date set to July 1, 2050. SB 3255, concerning cash payments and rounding guidance, was reconsidered after discussion with small business stakeholders and was also advanced with amendments. In the later regular CPN agenda, SB 2607 on landscape architect licensure drew support from the board and professional groups and was recommended to pass with board-requested amendments and a July 1, 2050 effective date. SB 2623 SD1 on pharmacy technician registration was recommended to pass with clarifying amendments from the Board of Pharmacy. SB 2396, which would create a registry for agents managing property for absentee owners and require on-island contact information for certain condo owners, received mixed testimony: supporters emphasized accountability and enforcement, while opponents from community associations raised implementation concerns and asked for further work. The committee ultimately recommended SB 2396 with amendments from the Hawaii Council of Community Associations and a July 1, 2050 effective date.
AZ

Arizona 2026 Regular Session

03/09/2026 - Senate Finance

Finance

Transcript Highlights:
  • accident insurance program for the purposes of the Arizona State Retirement System's health insurance premium
  • accident insurance program for the purposes of the Arizona State Retirement System's health insurance premium
  • This bill simply clarifies that the health insurance premium benefit subsidy is only for those who are
  • This bill simply clarifies that the health insurance premium benefit subsidy is only for those who are
  • pulling together to enhance buying power is leading to more choices for consumers and more affordable premiums
Summary: The Senate Finance Committee met to consider several bills and two Arizona State Retirement System nominees. It first passed House Bill 2173, which allows taxpayers and tax officers to communicate electronically about proposed property tax corrections or claims, with an acknowledgement required when responses are sent electronically. The committee then recommended confirmation of Thomas J. Connolly and Charles Essex to the ASRS Board, both receiving unanimous or near-unanimous support after brief introductions and no substantive opposition. The committee next approved several ASRS-related bills: House Bill 2089 clarifies that the ASRS health insurance premium subsidy applies only when coverage is not already subsidized; House Bill 2090 changes the disability definition tied to long-term disability benefits by removing the requirement that the 24 months occur within a five-year period; and House Bill 2092 shifts the 30-day waiver window for certain members age 65 or older from the date of hire to the date they become eligible to participate. All three passed on largely party-line or near-unanimous votes. The committee also passed House Bill 2120, with a technical amendment, allowing Social Security Administration disability determination letters to be used to certify eligibility for the property tax exemption for persons with disabilities. House Bill 2693 drew the most debate. It revises Arizona’s bona fide association health plan and multiple employer welfare arrangement provisions to align with ERISA rather than the rescinded 2018 federal AHP rule, and an amendment added a feasibility study by the Arizona Department of Administration on state employee and school district health plans. Supporters argued the bill would expand affordable, voluntary coverage options for small businesses and increase buying power; opponents raised concerns about consumer protections, preexisting conditions, and the history of association health plans. The committee ultimately passed the bill as amended on a 5-1 vote. Later, the committee passed House Bill 2138, which clarifies that workers’ compensation coverage for firefighters traveling directly to or from work applies to state, municipal, fire district, and fire authority firefighters. It also passed House Bill 2273, a one-time $300 income tax rebate for certain Pinal County residents funded from remaining escrowed transportation-related monies; members discussed whether the remaining funds should instead be directed to roads, but the bill advanced on a 3-2 vote. Finally, House Bill 2786 passed unanimously, exempting rental income from required college textbooks from transaction privilege tax under the personal property rental classification.
FL

Florida 2026 Regular Session

Criminal Justice Feb 11th, 2026

Criminal Justice

Summary: The committee met with a quorum present and took up a series of bills, beginning with SB 1300 on education and workforce development for current and former inmates. Senator Claudio explained that the bill is intended to expand collaboration between the Department of Transportation and the Department of Corrections to provide training opportunities tied to Florida’s need for CDL drivers. The bill was reported favorably without debate. Members then considered SB 896 on campus safety, as amended by strike-all and late-filed amendment. The bill would require postsecondary institutions to adopt active assailant response plans, conduct security risk assessments, improve threat reporting and information sharing, and allow voluntary participation in the guardian program; the late-filed amendment removed a prohibition on guardians wearing uniforms. After questions about the firearm-discharge provision near campuses and testimony both for and against, the committee reported the bill favorably. The committee also reported favorably SB 86 on commercial motor vehicles operated by unauthorized aliens, SB 642 on foreign and alien bail bond insurers, and confirmed appointees listed on tabs 10 through 19. The committee next heard SB 712 on pyramid promotional schemes, which would create a new prohibition and increase penalties while preserving legitimate direct sales plans. Members raised concerns about whether participants in such schemes might themselves be victims, and the sponsor said prosecutorial discretion would distinguish victims from primary wrongdoers; the bill was reported favorably. SB 1224 on rental housing application fraud was also amended and reported favorably after testimony from apartment and realtor groups in support. In the latter part of the meeting, Chair Martin presented SB 1370 to expand habitual traffic offender status to repeated unlicensed driving, and SB 1712 to create a statewide FDLE counterintelligence and counterterrorism unit. SB 1370 was reported favorably unanimously. SB 1712 drew extensive questioning and public opposition over concerns about broad language, surveillance, and possible impacts on speech and protest, but the sponsor said the unit would focus on protecting the state from adversary intelligence threats and operate within constitutional limits; it was reported favorably. Finally, SB 758 on the Justice Administrative Commission was amended to adjust commission membership and reported favorably unanimously. The committee then recorded additional votes for members and adjourned.
KY

Kentucky 2026 Regular Session

Interim Joint Committee on Local Government.(6-23-26)

Local Government

Transcript Highlights:
  • Are we opening a door that would give employers the ability, I'm going to use the word discriminate,
  • ><00:58:59.560> use<00:58:59.760> the<00:58:59.840> word<00:59:00.440> discriminate
  • I'm going to use the word discriminate I'm going to use the word discriminate or<00:59:01.320>
Bills: HB339
AZ

Arizona 2026 Regular Session

02/04/2026 - Senate Education

Education

Transcript Highlights:
  • The bill prohibits a public school from discriminating against or denying access to any patriotic youth
  • group that wishes to conduct a meeting, including discriminating against or denying access to a patriotic
Summary: The Senate Education Committee considered three bills. SB 1210 would create a separate out-of-state registration process for private post-secondary institutions domiciled outside Arizona that enroll Arizona residents in fully online programs, require certain disclosures and financial protections, and extend student tuition recovery fund protections to those students. Testimony from the Arizona Private School Association supported the bill as closing a regulatory loophole and protecting Arizona students; the committee moved it forward with a due pass recommendation by a 7-0 vote. SB 1370 would allow principals, during the first quarter of the school year, to let eligible patriotic youth groups address students and distribute materials, and would prohibit public schools from discriminating against such groups based on membership criteria or oath requirements. The sponsor’s representative said the bill would allow, not require, access and would expand a list of youth groups that has not been updated since 1978. The committee approved the bill with a due pass recommendation by a 7-0 vote. SB 1422 would continue the Credit Enhancement Eligibility Board until July 1, 2036, with termination tied to the retirement of outstanding obligations, and SB 1423 would continue the Western Interstate Commission for Higher Education until July 1, 2036. Both bills were described as continuations of existing programs; WICHE’s president testified in support of SB 1423 and noted the state’s long partnership with the organization. The committee passed both bills with due pass recommendations, each by 7-0 votes, and then adjourned.
MN

Minnesota 2025-2026 Regular Session

House Health Finance and Policy Committee 3/17/25

Health Finance and Policy

Transcript Highlights:
  • <00:52:05.079> need closely what the insurance premiums need closely what the insurance premiums
  • <00:52:26.160> were that age a male and the premiums were that age a male and the premiums
  • in the country, according to the Kaiser Family Foundation's list of average premiums by state.
  • in the country, according to the Kaiser Family Foundation's list of average premiums by state.
  • don't go on to the insurance premium don't go on to the insurance premium directly<01:35:33.400>
Bills: HF837, HF1903, HF499, HF794
TX

Texas 89th Regular

Business and Commerce May 15th, 2025

Business & Commerce

Transcript Highlights:
  • They work the program, they actually see their premiums go down.
  • Their life insurance premium went down. Had a couple sign up for this program.
  • Currently, policyholders are paying for these borrowing costs through their premiums.
  • The surcharge is 1.6% of a premium, but the term depends on how much is borrowed.
  • Much more of that premium will go into the CRTF because currently a lot of that TWIA premium had been
Summary: The committee first handled pending business, including reconsidering SB 715 and then voting out several measures. The committee substitute for SB 1978 was reported favorably, and HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 were all reported favorably, many with objections sent to the local and uncontested calendar. HB 1522 and HB 4238 were adopted as committee substitutes before passage. The committee then moved into public testimony on HB 2963, a right-to-repair bill for consumer electronics. Supporters argued it would reduce waste, lower costs, and help independent repair shops by requiring manufacturers to provide parts, tools, and information on fair terms, while opponents said the bill was too broad and the automotive MOU exemption was problematic. The bill was left pending after testimony. The committee also heard HB 2467, which would align State Fire Marshal Office investigators’ pay with other commissioned peace officers at TDI; testimony was strongly supportive, emphasizing the office’s arson-investigation role, and the bill was left pending. HB 252, a bill allowing certain state agencies flexibility to pay Schedule A employees twice monthly, was laid out and left pending after limited testimony. HB 2468, dealing with public improvement district notice in real estate transactions, would let buyers terminate within seven days if required PID notice was not provided before contract execution; it drew no public testimony and was left pending. HB 4386, an annuity exchange and surrender process bill, was presented as a consumer-protection measure with deadlines and penalties for insurer delays; it received support from industry witnesses and was left pending. The committee then heard HB 4751, creating the Texas Quantum Initiative within the Governor’s Office to coordinate quantum research, workforce, industry partnerships, and possible future grant funding. Witnesses from universities and industry supported the bill, while several senators questioned whether a new state structure was necessary; the bill was left pending. HJR 175 proposed a constitutional amendment protecting Texans’ right to use mutually agreed forms of exchange, including cash, bullion, digital currency, or private script, and was discussed at length in the context of central bank digital currency and barter; it was left pending after testimony. HB 2221, updating insurance anti-rebating laws to allow wellness and value-added services, drew supportive testimony from the insurance industry and discussion about incentives versus monitoring; it was also left pending. Finally, the committee heard a series of utility wildfire and infrastructure bills: HB 106, requiring oil and gas operators to maintain certain electrical infrastructure near well sites; HB 144, requiring electric utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing self-insurance under certain conditions. Utility, insurance, and cooperative witnesses generally supported the wildfire-related bills while asking for clarifications and less burdensome reporting, and the bills were left pending.
TX

Texas 89th 2nd C.S.

Business and Commerce May 15th, 2025

Business & Commerce

Transcript Highlights:
  • And that's in the event that we can't find reasonable premiums.
  • Currently, policyholders are paying for these borrowing costs via premiums.
  • It's embedded in your premiums. You just don't see it.
  • The surcharge is 1.6%. through your premiums, you just don't see it.
  • Much more of that premium will go into the CRTF because currently a lot of that TWIA premium had been
Summary: The committee first handled pending business, including reconsidering a failed vote on SB 715 and then reporting several measures favorably. SB 1978 was reported from committee on a committee substitute, and a series of House bills — including HB 431, HB 1522, HB 1922, HB 3228, HB 3229, HB 3803, HB 3804, HB 3805, HB 3806, HB 4219, HB 4238, HB 434, HB 1584, and HB 4739 — were moved out of committee, most to the local and uncontested calendar. The votes on these items were overwhelmingly or unanimously in favor, with committee substitutes adopted where applicable. The committee then heard HB 2963, a right-to-repair bill for consumer electronics. The author said the bill would require manufacturers to provide parts, tools, and documentation on fair and reasonable terms while preserving trade secrets and excluding certain categories such as medical devices, motor vehicles covered by an MOU, critical infrastructure, and commercial-only transactions. Supporters from the Texas Public Policy Foundation and Environment Texas argued it would strengthen property rights, help small businesses, and reduce e-waste. Opponents, including representatives of SafeLight Auto Glass and LKQ, said they supported right-to-repair in principle but objected to the bill’s automotive MOU exemption and broader scope, warning it could create uncertainty and leave some manufacturers and repair shops outside the framework. The bill was left pending after testimony. Members also heard HB 2467 on salary parity for State Fire Marshal investigators, HB 252 on allowing some state agencies to pay certain employees twice monthly, HB 2468 on public improvement district notice and a buyer’s right to terminate, HB 4386 on annuity contract exchanges and surrender timelines, HB 4751 creating a Texas Quantum Initiative and related fund, and HJR 175 proposing a constitutional amendment protecting Texans’ ability to use mutually agreed-upon mediums of exchange, including cash, bullion, and digital currency. Testimony on HB 4751 was largely supportive but included questions about whether the state needs a new coordinating structure and funding mechanism for quantum research and commercialization. HJR 175 drew discussion about barter, taxes, and concerns over central bank digital currency. Each of these items was left pending after hearing testimony. The committee also heard HB 2221, which would update insurance anti-rebating laws to allow more wellness and value-added services in life and health insurance, with supporters saying it would encourage healthier behavior without requiring data monitoring. Finally, the committee took up a package of utility and wildfire-related bills from Chairman King’s portfolio: HB 106, requiring oil and gas operators to maintain certain overhead electrical lines; HB 144, requiring utilities to submit pole inspection and management plans to the PUC; and HB 145, requiring wildfire mitigation plans and allowing utilities to self-insure under certain conditions. Utility, co-op, and insurance representatives generally supported the safety and resiliency goals of HB 144, while asking for clarifications and less frequent reporting; HB 145 was introduced as a broader wildfire-risk and liability measure. These bills were also left pending after testimony.
NM

New Mexico 2026 Regular Session

Senate - Tax, Business and Transportation Feb 10th, 2026 at 04:43 pm

Senate Tax, Business & Transportation

Transcript Highlights:
  • While the prospect of increased cost to plan sponsors and higher premiums for patients are important,
  • OSI has looked at the premium impact and, based on this version, which has a more confined and defined
  • definition of mental illness, we do not expect to see significant premium increases.
  • So if someone can afford their premiums and they stop paying for Medigap, you can't re-enroll because
  • So if someone can afford their premiums and they stop paying for Metagap, you can't re-enroll because
Bills: SB20, SB21, SB166, SB177, SB181, SB189, SM6