Video & Transcript : 'captive insurers' :
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WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 25th, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- This specifies that the requirement for an insurer to provide the insured with certain information about
- This is the bill modifying the insurance fraud program administered by the Insurance Commissioner.
- This is named after kind of a pioneer in the insurance industry.
- Oh, no, the insurance industry—sorry, my bills mixed up.
- With this bill we are setting up a Washington Travel Insurance Act, and with this new line of insurance
Committee:
House Consumer Protection & Business
Keywords:
SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty
WA
Washington 2025-2026 Regular Session
Senate Labor & Commerce Jan 23rd, 2026 at 08:00 am
Labor & Commerce
Transcript Highlights:
- Self-Insurers Association.
- Everybody needs health insurance, right?
- You can't afford your health insurance anymore.
- for health insurance purposes.
- , they maintain the insurance.
Bills:
SB5847 , SB6067 , SB6136 , SB6014 , SB5972 , SB5869 , SB5874 , SB6058 , SB6039 , SB5944 , SB6188
Committee:
Senate Labor & Commerce
Keywords:
workers' compensation, industrial insurance, injured workers, medical provider network, occupational health, occupational medicine, medical care access, L&I, Department of Labor and Industries, self-insured employers, state fund claims, utilization review, provider credentialing, provider network, treatment guidelines, evidence-based medicine, claims management, claims managers, temporary total disability, permanent partial disability
TX
NM
New Mexico 2025 Regular Session
House - Health and Human Services Feb 5th, 2025
House Health & Human Services
Transcript Highlights:
- cost, the insurance rates.
- I will say that I sat down with a couple of insurers, the lobbyists for insurers.
- With auto insurance, if you don't pay, you don't have insurance.
- insured anymore.
- rate on his insurance?
Committee:
House House Health & Human Services
MN
Transcript Highlights:
- You're released from captivity, and we'll bring up my name here, Anna Mingi, from the MMB office.
Bills:
HF3
Committee:
House Ways and Means
DE
Delaware 2025-2026 Regular Session
House Economic Development/Banking/Insurance & Commerce Committee Meeting Jun 23rd, 2026
Economic Development/Banking/Insurance & Commerce
Transcript Highlights:
- Insurers must provide clear information on coverage to each insured individual, and this bill also provides
- Kennedy Cook with the Delaware Department of Insurance.
- Kennedy Cook again on behalf of the Department of Insurance.
- Again, on behalf of the Department of Insurance.
- Cook again on behalf of the Department of Insurance.
Summary:
The committee met with roll call attendance and took up two bills. First was Senate Bill 315 with Senate Amendment 1, which would allow the Division of Small Business to add state funding to existing federal small business programs, including the Small Business Innovation Research and Small Business Technology Transfer programs. There was brief public support from one in-person commenter, no virtual comment, and the committee voted to release the bill, though it did not yet have enough signatures for immediate release and was left open for absent members to sign.
The second item was Senate Substitute 1 for Senate Bill 319, a women’s health insurance mandate requiring coverage for medically necessary menopause and perimenopause diagnostic and treatment services, including FDA-approved hormone replacement therapy, pelvic floor therapy, and related care. Representative Smith presented the bill as a response to gaps in menopause care and insurance coverage, and Department of Insurance witness Kennedy Cook explained the religious exemption as applying to certain religious employers and blanket health policies. Committee members asked about the scope of that exemption, and some expressed concern about religious carveouts, while others praised the bill as important women’s health legislation.
During public comment, one speaker supported the bill but warned that expanding mandatory health benefits can raise insurance costs. The Department of Insurance then testified in support, saying the bill would align Delaware with other states, many insurers already comply, and the department did not expect a meaningful premium impact. The committee voted to release Senate Substitute 1 for Senate Bill 319 from committee.
FL
Florida 2025 Regular Session
March 13, 2025 - 01:00 PM
Transcript Highlights:
- The Florida Center for Excellence in Insurance and Risk Management.
- The center will conduct research into all lines of insurance.
- That means property insurance.
- But as time goes on, the center can be expected to research health insurance, auto insurance, and other
- types of insurance that need academically rigorous research.
Summary:
The committee met with a quorum and heard five bills. HB 1097 would rename the Florida Catastrophic Storm Center at FSU as the Florida Center for Excellence in Insurance and Risk Management, transfer the public hurricane loss projection model from FIU to FSU, and provide recurring and nonrecurring appropriations to support independent insurance research and collaboration with OIR and other universities. Members discussed university roles, model oversight, independence from industry funding, and student/workforce benefits. The bill passed favorably on a roll call vote.
HB 319 would create a regulatory framework for virtual currency kiosk businesses, requiring registration with the Office of Financial Regulation, consumer disclosures, and penalties for violations. Much of the discussion focused on fraud prevention, especially for seniors, and whether the bill should include transaction caps or stronger recovery tools; AARP supported the bill but urged additional protections. The bill passed favorably. CS/HB 385 made technical changes to the Florida Trust Code and Community Property Trust Act, including decanting, trustee claims, redemption by satisfaction, and homestead transfer treatment; an amendment conforming to the Senate version was adopted, and the bill passed favorably.
CS/HB 97 would allow service of process for exploitation injunctions against unascertainable scammers through the same communication method used to contact the victim, such as text or social media, and would let courts freeze funds temporarily while the matter is heard. Testimony from elder law practitioners and AARP supported the bill as a tool against scams, while some members raised due process and overreach concerns; the bill passed favorably. HB 839 would shorten the overpayment recovery window for claims submitted to psychologists and HMOs to match other health providers, with the goal of improving parity and access to mental health care; an amendment was adopted, and the bill passed favorably. The meeting concluded with adjournment after the final roll call votes.
NH
New Hampshire 2025 Regular Session
Senate Health and Human Services (01/15/2025)
Health and Human Services
Transcript Highlights:
- > respond</c> insurance insurer simply didn't respond insurance insurer simply didn't respond to<00:50
- So what the insurance company wouldn't get, I question how the Insurance Department concluded that insurance
- So what the insurance company wouldn't get, I question how the Insurance Department concluded that insurance
- So what the insurance company wouldn't get, I question how the Insurance Department concluded that insurance
- ><c> the</c> their insur their insurance company the their insur their insurance company the very<01:
Committee:
Senate Health and Human Services
KY
Kentucky 2025 Regular Session
Interim Joint Committee on Banking and Insurance (12-17-25)
Transcript Highlights:
- </c> to our insurance fraud division. to our insurance fraud division.
- </c><00:08:33.680><c> are</c> those reports, and the insurers are those reports, and the insurers are
- So, if you have health insurance, you can use your health insurance and use the PIP for lost wages.
- </c><00:18:52.320><c> Uh,</c> insurance up. Uh, insurance up.
- . insurers. insurers.
Keywords:
Meeting Start 00:00:00
Call to Order and Roll Call 00:00:38
Consideration of Referred Administrative Regulations 00:01:34
Proposed Legislation for the 2026 Session 00:10:14
Basic and Added Reparation (PIP) Benefits 00:10:41
Prior Authorization 00:46:15
Measures to Strengthen Kentucky’s Economic Infrastructure 00:59:46, 958, all
Summary:
The committee met in a special-called session of the Interim Joint Committee on Banking and Insurance and first took up three Department of Insurance regulations tied to House Bill 256, the Strengthen Kentucky Homes program: 806 KAR 22:00, 22:10, and 22:20. Commissioner Sharon Clark said the program would provide $5 million in grants to help homeowners strengthen roofs, with regulations covering eligibility and operations, contractors and evaluators, and reinspections in cases of suspected fraud. A committee substitute to 806 KAR 22:10 was explained as a technical correction to conform to the statutory preference for in-state contractors and evaluators. Representative Hampton moved and Representative Rudy seconded approval of the substitute, and it was adopted by voice vote; the amended regulations were then reviewed. Clark also said the grant money would be distributed statewide rather than targeted to storm-prone areas.
The committee then heard an update from Commissioner Clark on mental health parity in response to questions from Representative Pollock. Clark said the department reviews insurer filings and conducts market conduct examinations, but does not have authority over provider reimbursement rates or to require providers to join insurer networks. She said complaints are investigated and, when needed, teams review claims and data on site to check compliance with parity requirements. No action was taken on that discussion.
After approving the November 4 meeting minutes, the committee heard testimony on a proposed PIP reform package from Representative Josh Bray, the Kentucky Hospital Association, the Kentucky Justice Association, and State Farm. Supporters said the bill would apply the workers’ compensation fee schedule to most PIP medical claims, keep the $10,000 PIP limit in place while stretching benefits further, reduce balance billing, modernize benefit amounts, and address fraud and delayed billing. They noted hospitals would be exempt from the fee schedule, while hospital-based physical therapy would be included, and said the compromise reflected negotiations among stakeholders. Some members questioned whether exempting hospitals undercut the bill’s purpose and asked about possible rate effects; proponents said they had not done a rate analysis and that the bill could lead to more treatments within the existing PIP limit. No vote was taken on the PIP proposal during this meeting.
MO
Missouri 2026 Regular Session
Transportation Mar 31st, 2026
Joint Committee on Transportation Oversight
Transcript Highlights:
- You may not know, but my family's business was in insurance. In fact, it was in trucking insurance.
- What happens is they've got no insurance—when I say no insurance, no towing and recovery insurance.
- the insurance is going to be.
- These are years-long processes to get paid: self-insured, underinsured, no insurance.
- Insurance is already killing us.
Summary:
The House Committee on Transportation met on Senate Bill 1408, which would allow Missouri to raise the maximum speed limit on rural interstates from 70 to 75 miles per hour. Senator Berger, the bill sponsor, argued the change would better match neighboring states, improve traffic flow, and reflect modern vehicle safety technology. Several members supported the idea as a practical adjustment, while others questioned whether the time savings were worth the safety tradeoff, raised concerns about driver behavior, truck speed governors, road design, fuel use, and the possibility that higher posted limits would lead to even faster driving.
Testimony was sharply divided. Supporters, including a motorist advocate and some committee members, said 75 mph is common in surrounding states and worldwide, that most crashes are caused by inattention rather than speed alone, and that MoDOT should be able to set limits based on engineering and traffic conditions. Opponents included a Hazelwood police lieutenant, AAA, the Missouri Insurance Coalition, and MoDOT Director Ed Hassinger. They argued that higher speeds increase crash severity and fatalities, that Missouri’s roads and traffic volumes differ from flatter neighboring states, and that the bill could disproportionately affect young and older drivers as well as roadside workers. MoDOT said its data shows speed is a major factor in fatal crashes and cited fatality increases in Arkansas and Kansas after those states raised rural interstate limits.
Committee members also debated whether the bill actually mandates 75 mph or merely authorizes MoDOT to set it where appropriate. MoDOT and AAA said any increase should be tied to engineering studies and roadway-specific analysis, while supporters argued the department already has that discretion and that the bill simply removes an outdated cap. No vote was taken in the excerpt. After closing the hearing on SB 1408, the committee moved on to House Bill 3447, a towing and recovery bill that would require more insurance for large commercial vehicles, improve notice and dispute procedures, and address abandoned vehicles; testimony on that bill began with the sponsor and representatives from the towing and trucking industries.
ID
Transcript Highlights:
- insurance coverage for fertility.
- So when we went to the State Insurance, the Department of Insurance, to get the general cost, the actual
- But, yeah, I guess my other question would be: with the health insurance plans, if health insurance providers
- And to me, it just goes to show how imperfect our insurance... ...to show how imperfect our insurance
- And to me, it just goes to show how imperfect our insurance. to show how imperfect our insurance system
Committee:
House Health and Welfare
ID
Transcript Highlights:
- That's the Department of Insurance.
- So it could be disability insurance, health insurance, income replacement, life insurance, retirement
- , and unemployment insurance.
- So it could be disability insurance, health insurance, income replacement, life insurance, retirement
- , and unemployment insurance.
Committee:
Senate Commerce and Human Resources
CA
California 2025-2026 Regular Session
Assembly Revenue and Taxation Committee Apr 21st, 2025
Transcript Highlights:
- of Insurance Commissioner Ricardo Lara.
- It will provide a tax credit to cover increased insurance premiums while we address the insurance market
- The first cost would be that at any time we approve, the Insurance Commissioner approves insurance rates
- Inflation and insurance rates.
- I don't have a mortgage, but I need insurance, and I can't afford my insurance going from $2,000 a month
Summary:
The Assembly Committee on Revenue and Taxation met under suspense-file procedures, with the chair explaining limits on testimony, position letters, and that bills with fiscal impacts of $150,000 or more would generally be sent to suspense rather than voted on immediately. Several bills were pulled from hearing, and a consent calendar of committee bills later passed 4-0. AB 761 by Addis, the only item initially slated for a vote, was ultimately held over to the next hearing.
The committee heard testimony on a series of tax-related proposals. AB 232 would create catastrophe savings accounts for homeowners to save pre-tax money for wildfire, flood, or earthquake-related expenses; it drew support from the Department of Insurance and the California Bankers Association, but was sent to suspense. AB 1443 would exempt tips from state income tax for five years and was supported by the California Restaurant Association and a restaurant owner, but also went to suspense. AB 1435 would provide relief to businesses and property owners facing cleanup and security costs from unauthorized encampments and illegal dumping; it received broad support from business, real estate, trucking, retail, and local government representatives, and was referred to suspense.
The committee also heard AB 1428, which would create a California Affordable Child Care Fund financed by a 0.5% tax on income above $10 million; child care workers and SEIU-backed witnesses supported it, while taxpayer and business groups opposed it as harmful to competitiveness and affordability. AB 691 proposed a tax credit for adopting shelter pets and covering veterinary costs, AB 1219 proposed a middle- and low-income personal income tax cut, AB 1354 proposed a credit for increased homeowners insurance premiums, AB 19 proposed an education savings account/voucher-style program, and AB 567 proposed insurance rate stabilization and related tax/fund changes; each drew testimony for and against where present, but all were referred to suspense. The meeting ended with the committee adjourning after the held-over AB 761 item was postponed.
NM
Transcript Highlights:
- It's driven up insurance premiums, and insurers are pulling back on coverage.
- , their malpractice insurance?
- There's no reference to insurance.
- of insurance to have more coverage.
- Doctors didn't have to insure themselves or pay for insurance any more than $200,000.
Committee:
Senate House Judiciary
Keywords:
SB38, pet food, registered pet food, registration fee, fees, sunset repeal, repeal of repeal, revenue, state fee, business regulation, animal feed, pet food registration, New Mexico, gun control, firearm safety, dealer regulation, illegal trade, background checks, sexual crimes, statute of limitations
Summary:
The Senate Judiciary Committee heard extensive testimony on House Bill 99, a proposed reform of the Medical Malpractice Act. Representative Chandler said the bill is intended to address physician shortages, rising malpractice premiums, and litigation pressures by changing punitive damages rules, including a higher standard of proof, a requirement that punitive damages not be pleaded in the initial complaint, and limits tied to the type of provider. Supporters, including physicians, business leaders, and some patients, said the bill would help retain doctors, improve access to care, and create more predictable liability exposure. Several supporters also said current malpractice conditions are driving doctors out of the state and harming rural access to services.
Opponents argued the bill would reduce patient recovery, create unequal treatment based on insurance status through the bill-versus-paid provision, and raise constitutional concerns involving equal protection, collateral source rules, and separation of powers. They also criticized the bill for not addressing other drivers of malpractice, such as hospital practices, prior authorization, staffing, and background checks for out-of-state doctors. Some witnesses urged amendments to protect the Patient Compensation Fund, ensure future medical expenses are covered, require minimum surcharge settings, and improve oversight of providers entering the state.
Committee members questioned the sponsor and witnesses about whether the bill would actually lower premiums, whether it would improve access to care, and how it would affect hospitals, independent providers, and the Patient Compensation Fund. The sponsor said the bill was based on negotiations and comparisons with other states, and that it should help premiums over time. Members raised concerns about the fund’s solvency, the role of hospitals in the fund, and whether some provisions would survive legal challenge. No final vote was taken in the portion of the meeting provided; the chair indicated amendments would be discussed later and the committee would continue the hearing the next day.
MN
Minnesota 2025-2026 Regular Session
House State Government Finance and Policy Committee 2/26/26
State Government Finance and Policy
Transcript Highlights:
- Wages are health insurance." Not everyone takes the insurance, but everyone takes the wages.
- </c> insurance with a statewide insurance insurance with a statewide insurance plan.<00:43:15.599><c>
- You would look at liability insurance, theft insurance, vehicle insurance if the grant drives, make sure
- You would look at liability insurance, theft insurance, vehicle insurance if the grant drives, make sure
- 01:23:31.679><c> vehicle</c> insurance, theft insurance, vehicle insurance, theft insurance, vehicle
Committee:
House State Government Finance and Policy
Keywords:
state grants, grant oversight, grants management, executive agencies, Minnesota Department of Administration, commissioner of administration, fraud prevention, waste prevention, grant monitoring, financial reconciliation, grant compliance, state government, public funds, grant recipients, competitive grants, grant administration, administrative oversight, monitoring visits, grant policy, legislative leave
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 3rd, 2026 at 01:30 pm
Consumer Protection & Business
Transcript Highlights:
- by the Office of the Insurance Commissioner and revises the crime of insurance fraud, including its
- Insurance companies for organized or collusive criminal schemes that impact insurance companies or insurance
- for organized or collusive criminal schemes that impact insurance companies or insurance consumers.
- the Insurance Commissioner from participating in regulatory investigations of the insurance commissioner
- the insurance a regulatory misconduct is misdirected to the insurance fraud program, then the insurance
Committee:
House Consumer Protection & Business
Keywords:
data broker, registry, consumer protection, privacy, data regulation, real estate, appraisal, business operations, regulatory compliance, email regulation, commercial communications, data privacy, electronic mail, public safety, insurance fraud, law enforcement, crime, penalties, real estate transactions, nonprofit
CA
California 2025-2026 Regular Session
Joint Hearing Senate Emergency Management Committee and Natural Resources and Water Committee May 13th, 2026
Transcript Highlights:
- They want to be insured because a lot of insurers are going to say, “You shall be compliant or we’re
- not going to insure you.”
- And in the riskiest places, it is going to be hard to insure people with private insurance.
- The insurance part, we're going to have to come to grips with: our insurance structure does not work.
- And our regular insurance, which is 99.9% of what we need for insurance, Our regular insurance, which
Summary:
The joint Senate hearing focused on California wildfire resilience funding, the SB 254 report on natural catastrophe resilience, and how the state should better prioritize community hardening, recovery, and financing. Senators emphasized that catastrophic wildfires have driven major property losses, insurance cancellations, and affordability problems, and several members argued that prevention and home/community hardening should receive far more attention than they have to date. Members also raised concerns about CEQA and other permitting delays, the need for ongoing rather than one-time funding, and whether the state should rely more on the General Fund, utilities, or other sources such as polluter-pays approaches.
The Legislative Analyst’s Office said the state has appropriated about $4.7 billion for wildfire resilience since 2018-19, with most funding going to forest health, fuels reduction, and related landscape work, while only about $65 million has been specifically targeted to community hardening. LAO also noted that future one-time funding is likely to decline, that GGRF revenues may be limited under the new cap-and-invest structure, and that maintenance costs for treated areas could be substantial over time. Senators pressed LAO on why wildfire resilience is not more often funded through the General Fund and on whether current spending matches the scale of the risk.
Cal Fire’s State Fire Marshal described the state’s community wildfire preparedness strategy, centered on home hardening, defensible space, and neighborhood-scale mitigation, and said the SB 254 report aligns with Cal Fire’s direction. He said California has roughly 4 million homes in the wildland-urban interface, most built before modern wildfire-resistant standards, and highlighted recent streamlining that approved 383 fuels-reduction projects in under 30 days during an emergency proclamation. Cal OES described the AB 38 pilot and FEMA hazard mitigation work, saying federal approval delays have been a major barrier and that the state has hardened 155 properties so far through the pilot, with many more in process.
The Wildfire and Forest Resilience Task Force said the state has coordinated more than $6 billion in state and federal investments, treated over 700,000 acres annually, and is shifting toward more regional, data-driven planning and block grants. Task force staff and Cal Fire both said they are moving beyond simple acreage metrics toward models that estimate avoided loss and community risk reduction, but acknowledged major data gaps on parcel-level home hardening and defensible space. No formal votes were taken; the hearing was informational, with members discussing possible future legislation and budget changes, including home inspection reforms and continued CEQA streamlining.
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 3rd, 2026
Transcript Highlights:
- by the Office of the Insurance Commissioner and revises the crime of insurance fraud, including its
- the Insurance Commissioner from participating in regulatory investigations of the insurance commissioner
- for organized or collusive criminal schemes that impact insurance companies or insurance consumers.
- the Insurance Commissioner from participating in regulatory investigations of the insurance commissioner
- the insurance a regulatory misconduct is misdirected to the insurance fraud program, then the insurance
Summary:
The Consumer Protection and Business Committee met in executive session to review several bills and amendments. Staff briefed House Bill 2483 on creating a data broker registry, House Bill 2477 on limiting claims arising from appraisal reports, House Bill 2274 on the Washington Commercial Electronic Mail Act, House Bill 2394 on insurance fraud enforcement, House Bill 2624 on consumer protections for unsolicited real estate transactions, and House Bill 2240 on self-service storage rental agreements. Members discussed proposed amendments on narrowing the data broker definition, delaying registration dates, expanding exemptions, clarifying appraisal-related limitations, and revising email and insurance fraud language, but action on HB 2483 and HB 2477 was deferred.
The committee then moved HB 2274 forward. Supporters said it was a needed fix after litigation involving misleading commercial emails, while some members noted remaining concerns but wanted to advance the bill before policy cutoff. The committee adopted the proposed substitute and reported it out with a due pass recommendation by a 12-3 vote. HB 2394 was also deferred without action.
HB 2624 was reported out with a due pass recommendation after debate over whether the bill’s carve-out for public entities, tribes, and nonprofit nature conservancies was too broad; the vote was 9-6. The committee then adopted two amendments to HB 2240, requiring both email and first-class mail delivery of rental agreements when an email address is provided and extending notice for termination or nonrenewal to 25 days. As amended, HB 2240 was reported out with a due pass recommendation by voice vote, and the meeting adjourned.
UT
Utah 2025 Regular Session
Transportation Interim Committee - November 20, 2025
Transportation Interim Committee
Transcript Highlights:
- or not insurance?
- or self-insured.
- The problem primarily arises with underinsured... ...insured or self-insured.
- Or do we create more insurance?
- And so you’d like to see the liability insurance? The liability insurance to pay for recoveries.
Committee:
Joint Transportation Interim Committee
MO
Transcript Highlights:
- “Lower insurance costs and improved market stability have contributed to more companies and insurance
- or home insurance, they’re trying to run a business, health insurance.
- A lot of times when they're paid by insurance, Medicare, Medicaid, ERISA insurance plans, that insurance
- Number two would probably be insurance.
- I got rear-ended at a gas station, and my insurance paid for his car, but his insurance didn't pay for
Committee:
House Commerce