Transcript Highlights:

• to insurance and measure hb70 relating to insurance and poses<00:22:00.000><c> insurance</c><00:22:00.360
• motorcycle insurance.
• the current no-fault insurance law.
• Or situation, so do you think then the insurance would be under sort of existing motorcycle insurance
• Sometimes that works. showed the court that you had insurance showed the court that you had insurance

Keywords: 910, house, all

Summary: The House Committee on Transportation met on January 28, 2025, and heard testimony on a series of bills dealing with vehicle titles, motor vehicle taxes, window tinting, license plates, electric bicycles, insurance penalties, vehicle inspection fines, and transportation discrimination. For HB 532, which shortens the time to forward a transferred vehicle title from 30 days to 14 days and allows a letter of attestation to serve as an endorsement certificate, testimony was listed in support from Councilmember U. Hajin and the City and County of Honolulu Department of Customer Services, and in opposition from Maui Mayor Richard Bisson and Sylvie Madison. HB 655 would require payment of unpaid motor vehicle taxes, fees, and penalties for the most recent five consecutive years of delinquency; the Tax Foundation of Hawaiʻi stood on written comments, with Tim Rymer and Robert Souza providing comments/support. HB 368, which would exempt certain medically sensitive drivers from sunscreen-device tint limits, drew opposition from the Department of Transportation and support from several individuals. HB 226, lowering allowed windshield tint from 35% to 20%, drew opposition from the Department of Transportation and support from TNT Tinting Specialists; members asked about federal preemption, and DOT said federal guidance applies to manufacturers while states retain authority over aftermarket tinting. The committee also heard HB 543, prohibiting license plate flipping devices and imposing a $2,000 fine, and HB 228, authorizing counties to adopt rules for electronic license plates, repealing flipping devices, and setting a minimum fine for obscuring plates; both measures had DOT support, comments from the Honolulu Department of Customer Services, and opposition from Sylvie Madison. HB 70 would require insurance for electric bicycles and create a regulatory framework effective January 1, 2026. The Office of the Public Defender opposed it, arguing the bill improperly distinguishes e-bikes from mopeds; PeopleForBikes and the Hawaiʻi Bicycling League opposed it as costly and unnecessary, while the Insurance Division said the bill could conflict with existing no-fault definitions and might fit better in the motor scooter/moped insurance framework. HB 231, increasing the fine for violating motor vehicle insurance requirements from $500 to $1,500, was opposed by the Office of the Public Defender, which argued it would burden low-income residents and add to court congestion; members debated whether higher fines would improve compliance. Later, HB 227 would add fines for operating a vehicle without a current inspection certificate and had DOT support. HB 184 would require operators of low-speed electric bicycles to have a driver’s license, instruction permit, or provisional license; Kawaii Path, PeopleForBikes, and Get Fit Kauaʻi opposed it as a barrier to low-cost transportation and noted concerns for riders with disabilities, while DOT later said it would support the measure and was asked to research whether other states have similar licensing requirements. The final major measure discussed was HB 468, which would require the Civil Rights Commission to investigate discrimination complaints involving transportation network company drivers and riders with service animals and allow DOT to issue penalties to the companies. The National Federation of the Blind of Hawaiʻi, the Disability Rights Center, and individual riders supported the bill, saying current protections lack enforcement and that denials still occur; Uber and Lyft opposed it, saying they already prohibit discrimination, train drivers, investigate complaints quickly, and that the bill would duplicate existing law and create unnecessary penalties. No votes or final committee actions were taken in the portion of the hearing provided.

Transcript Highlights:

• This bill covers the Office of Insurance Regulation.
• Two, it updates outdated reciprocal insurance statutes.
• Senate Bill 1740 is a pro-consumer insurance bill with a goal of bringing down insurance premiums, decrease
• the likelihood that an insurer will go insolvent, and hold insurers accountable for prior poor decisions
• made by insurance companies.

Summary: The committee heard and advanced several insurance, financial regulation, and public safety bills. SB 1656, a large Office of Insurance Regulation bill, was taken up with a delete-all amendment and extensive discussion. The bill would increase transparency in insurance rates and mitigation data, update reciprocal insurer rules, limit use-and-file rate filings, expand cybersecurity breach notification, and strengthen oversight of continuing care retirement communities (CCRCs). Residents and senior advocates generally supported stronger oversight to prevent bankruptcies like the Unison case, while CCRC operators and industry groups warned that lien authority, reserve requirements, and other provisions could raise borrowing costs and burden well-run communities. The committee adopted the delete-all amendment and then reported the bill favorably after debate and public testimony. The committee also passed SB 1658 on the public records database for uniform mitigation verification forms, with a clarifying amendment protecting policyholders’ personal information. SB 1612 on financial institutions was reported favorably after an amendment and substitute amendment dealing with credit union investment limits and reimbursement rules for board members. SB 1740, an insurance bill aimed at reducing premiums and insolvency risk, was amended to prioritize rate-decrease filings and prohibit AI as the sole basis for claim denials; it was then reported favorably. SB 1212 on firefighter health and safety was amended to add occupational disease language and other firefighter protections, including safer gear, cancer prevention, and possible telehealth mental health services, and was also reported favorably. Finally, SB 1184 on residual market insurers was amended to preserve existing excess-and-surplus line standards, strengthen consumer disclosures, and clarify Citizens-related appointment rules before being reported favorably. Throughout the meeting, committee members repeatedly noted that several bills were still being refined with stakeholders, and multiple public witnesses testified in support of or opposition to the CCRC and insurance provisions, focusing on resident protection, financial stability, and unintended cost impacts.

Transcript Highlights:

• I have a history of insurance defense litigation and insurance bad faith litigation.
• Rhodes explained, we represent insurers, insureds.
• Rhodes explained, we represent insurers, insureds. My practice is doing insurance defense.
• We have insurance for people that don't have insurance.
• doesn't have insurance, your own insurance company can force you to prove it.

Bills: HB2095

Committee: House Civil Rights & Judiciary

Keywords: public safety, vulnerable users, pedestrians, protected classes, transportation, 904, all

Transcript Highlights:

• health insurance statutes.
• It specifies how travel insurance... ...with respect to travel insurance.
• It specifies how travel insurers must pay the state insurance premium tax on travel insurance premiums
• Travel Insurance Association.
• claims due to the unique nature of travel insurance, the license required would ensure insurers use

Summary: The Senate Business, Trade, and Economic Development Committee heard several public hearings on consumer protection and business regulation bills. Senate Bill 6175, the WAVE Act on ticket sales, would create licensing and enforcement rules for ticket resellers, require all-in pricing and refunds, cap resale prices and fees at 110% of the original ticket price, and prohibit speculative ticketing and deceptive practices, with exemptions for some events such as agricultural fairs and sports. The sponsor and many arts, venue, labor, and consumer advocates said the bill would curb bots, fake websites, and predatory markups that harm fans and nonprofit venues; opponents from resale platforms and industry groups argued it would restrict legitimate resale, reduce consumer choice, and push transactions into less regulated channels. Public testimony was extensive and sharply divided, but no committee vote was taken on the bill during the hearing. The committee also heard Senate Bill 6230, which would require cash transactions to be rounded to the nearest five-cent increment in light of the federal decision to stop minting pennies. Retail and grocery groups generally supported the bill but asked for amendments to protect against audit and consumer-protection liability, preserve acceptance of exact change, and avoid conflicts with local ordinances and SNAP rules. The bill sponsor said the measure is meant to give businesses a clear framework for cash rounding, and staff noted the Department of Revenue would issue a revised fiscal note with minimal costs. Senate Bill 6312, concerning surveillance-based pricing in grocery establishments, would require posted prices, prohibit individualized surveillance pricing and surge pricing, and place a moratorium on electronic shelf labels in larger stores until 2030. Labor and privacy advocates supported the bill as a way to stop AI-driven price discrimination and protect workers and consumers, while retail and grocery associations and an ESL manufacturer warned the definitions were too broad and could unintentionally affect loyalty programs, discounts, and operational efficiency. After testimony, the committee suspended the five-day notice rule for the bill. The committee also heard Senate Bill 6149 on the definition of a rural county and Senate Bill 6248 on travel insurance, with testimony on the latter split between industry support for adopting a model act and state agency concerns about adjuster licensing and preserving Washington consumer and anti-discrimination protections. In executive session, the committee considered Senate Bill 6061 on the tourism self-assessment program and Senate Bill 6137 on sports wagering. The committee rejected an amendment to SB 6061 that would have allowed voluntary local tourism contributions, then advanced the bill with a due pass recommendation. It also advanced SB 6137 with a due pass recommendation. The meeting concluded after those votes.

Transcript Highlights:

• The first is an insurance fraud assessment on insurers, so it's passed on to policy holders.
• The first is an insurance fraud assessment on insurers, so it's passed on to policy holders.
• </c> insurance fraud assessment on insurers insurance fraud assessment on insurers so<00:05:35.759><c
• insurance, healthcare insurance, workers' comp, and life insurance.
• </c> 2023 were Automobile Insurance 2023 were Automobile Insurance homeowners<00:07:13.879><c> insurance

Committee: Senate Commerce and Consumer Protection

Keywords: 1187, senate, all

Transcript Highlights:

• insurance?
• insurance?
• insurance?
• insurance?
• </c> insurance there's ways that insurance insurance there's ways that insurance companies<02:06:40.880

Keywords: 928, house, all

Summary: The committee heard testimony on House Bill 224, which would redirect most money from New Hampshire’s renewable energy fund back to electric ratepayers. The bill sponsor argued the measure would lower energy costs, noting recent utility rate increases and estimating annual savings of roughly $2.5 million to $7.3 million for ratepayers. Supporters said the fund has accumulated money that should be returned to customers rather than used for subsidies, and they emphasized that the state has already rebated similar funds from RGGI for years. Opponents, including Rep. Kat McGee, argued the renewable energy fund is a successful, nonlapsing dedicated fund that supports local clean-energy projects, energy resilience, emissions reductions, and private investment. McGee said the fiscal note overstated the benefit of rebates and understated the loss of investment, claiming the average annual rebate would amount to less than $10 per customer while the program has helped leverage significant private dollars and nearly 10,000 projects. She urged the committee to reject the bill as a poor deal for the state and ratepayers. Committee members questioned the fiscal note, the size of the rebate, whether the bill would set a precedent for other dedicated funds, and whether the program’s incentives amount to picking winners and losers. The Department of Energy testified neutrally, explaining how the renewable energy fund works, including renewable energy credits, alternative compliance payments, and the fund’s use for renewable energy initiatives. No vote was taken in the portion of the hearing provided.

Transcript Highlights:

• </c> fact many of them do not have insurance fact many of them do not have insurance and<00:36:21.200
• </c> Minnesota care is a type of insurance Minnesota care is a type of insurance type<00:46:52.960><c
• We were able to find insurance, but our options were only high-deductible health insurance.
• We were able to find insurance, but our options were only high-deductible health insurance.
• We were able to find insurance, but our options were only high-deductible health insurance.

Bills: HF10 , HF27

Committee: House Health Finance and Policy

Keywords: undocumented immigrants, state funding, MinnesotaCare, scholarship ineligibility, state assistance, permit to carry, concealed carry, handgun permit, firearm permit, pistol training, sheriff, application process, electronic filing, mail application, fax submission, certified mail, certified delivery, gun rights, Second Amendment, firearms regulation

Transcript Highlights:

• </c> It was the spiraling health insurance It was the spiraling health insurance cost.<00:09:48.280><
• </c> I get insurance or I get a paycheck." I get insurance or I get a paycheck."
• companies and insurance brokers.
• </c> wages or health insurance. wages or health insurance.
• ,</c> own health insurance, own health insurance, uh<00:19:23.960><c> which</c><00:19:24.200><c> to</

Committee: Senate State and Local Government

Keywords: 1187, senate, all

Transcript Highlights:

• Karen Cabell to the Idaho Health Insurance Exchange Board. Not because Dr.
• Karen Cabell for the Idaho Health Insurance Exchange Board.
• Karen Cabell for the Idaho Health Insurance Exchange Board. The debate is closed.
• Karen Cabell for the Idaho Health Insurance Exchange Board. The debate is closed.
• The Idaho Health Insurance Exchange Board, term to expire April 10, 2009.

Keywords: 989, all

Transcript Highlights:

• Additionally, the insurance industry has told us time and again that they're unlikely to insure homes
• insurance companies can... insurance.
• So existing homes already have insurance, home insurances, most of them, right?
• insuring the areas.
• some way to find the insurance coverage. ...ways to find the insurance coverage.

Committee: Senate Local Government

Summary: The committee heard several bills focused on wildfire resilience, land use, and local government transparency. SB 911 by Senator Becker would require notification to fire enforcement agencies when a home in a high fire severity zone is sold with an agreement for the buyer to bring the property into defensible-space compliance; the California Association of Realtors said it would drop opposition if the bill is amended to use the preliminary change of ownership report, and the bill passed 4-0 to Appropriations. SB 994 by Senator Cabaldon would bar local officials from signing nondisclosure agreements that prevent them from sharing information with the elected decision-makers of their jurisdiction; supporters framed it as a transparency measure, and it also passed 4-0 to Appropriations. SB 1041 by Senator Riggins would expand PACE financing for wildfire home-hardening improvements and add consumer protections, but it drew strong opposition from homeowner advocates, county treasurers, bankers, and others over predatory lending and lien concerns; it passed 3-2 and remained on call. The committee also considered SB 1075 by Senator Reyes, which would require local governments in AB 617 communities to consider air-quality reduction measures in land-use approvals for industrial and commercial projects. Environmental justice groups supported the bill as a way to implement community air plans, while counties, cities, business groups, builders, trucking interests, and others opposed it as duplicative of CEQA and a barrier to investment and jobs. After debate over local control and environmental justice, the bill passed 3-2 and remained on call. SB 958 by Senator Cabaldon would advance the Midway Rising redevelopment project in San Diego, replacing a former arena and parking lots with housing, affordable units, parks, and a new entertainment venue; with no opposition voiced, it passed 3-0 to Appropriations. Another wildfire-related measure, SB 1182 by Senator Allen, would require local governments to consider insurance availability in safety planning for development in high fire hazard areas and direct state technical guidance on the issue. Supporters said insurance access is now a key indicator of risk, while some members questioned whether the bill would add useful information or burden local governments; the bill received a 1-1 vote and remained on call. The committee then began hearing SB 1116 by Senator Caballero, a starter-home/infill housing bill creating a streamlined ministerial path for small projects up to 10 units, but the transcript cuts off before testimony or a vote on that measure.

Transcript Highlights:

• Additionally, the insurance industry has told us time and again that they're unlikely to insure homes
• insurance companies can... ...insurance.
• So existing homes already have insurance, home insurance, most of them, right?
• , but I acquired my insurance.
• insuring the areas.

Summary: The committee heard several bills focused on wildfire resilience, land use, and local government authority. SB 911 would require notification to fire agencies when a home in a high fire severity zone is sold under an agreement to complete defensible space compliance; the California Association of Realtors said it would drop opposition if the bill is amended to use the preliminary change of ownership report, and the bill passed 4-0 to Appropriations. SB 994 would bar local officials from entering nondisclosure agreements that prevent them from sharing information with the elected decision makers of their jurisdiction; supporters framed it as a transparency measure, and it passed 4-0 as amended. The consent calendar, including SB 958 and several other bills, was also adopted 4-0. The committee then took up SB 1041, which would expand PACE financing for wildfire home-hardening improvements statewide and add consumer protections, hardship provisions, and reporting requirements. Supporters, including Renew Financial and Cal Fire Local 2881, argued it would help homeowners finance fire-resistant roofs, vents, and other upgrades. Opponents, including homeowner advocates, county tax collectors, mortgage lenders, and consumer groups, warned that PACE has a history of contractor abuse, high costs, liens that survive bankruptcy, and risks to vulnerable homeowners. After extended debate, the bill advanced 3-2 to Appropriations and remained on call. SB 1075 would require local governments in AB 617 communities to consider air-quality impacts and community emissions reduction plans when approving certain commercial and industrial projects. Environmental justice supporters said the bill would help implement long-promised pollution reductions in heavily burdened communities, while business, local government, planning, and industry groups argued it duplicated CEQA and existing permitting processes, created litigation risk, and could deter investment and jobs. The bill passed 3-2 and remained on call. SB 958, relating to the Midway Rising redevelopment project in San Diego, was presented as a path for a long-planned housing and entertainment project with at least 4,250 homes, including 2,000 affordable units, and it passed 3-0 to Appropriations. Finally, SB 1182 would require local governments to consider insurance availability in safety planning for development in high fire hazard areas. The author said the bill responds to rising insurance costs and the Fair Plan’s growth, while supporters said it would better align land-use decisions with wildfire risk. Opponents and some committee members argued the bill was too vague, could burden cities, and would not solve the underlying insurance market problem. The discussion was ongoing when the transcript ended.

Transcript Highlights:

• I don't think I need to remind anybody in this room that our homeowners insurance rates have been climbing
• The insurance industry is offering large discounts on insurance rates for homes that have strengthened
• ><c> offering</c><00:01:35.960><c> large</c> the insurance industry is offering large the insurance industry
• </c><00:03:52.040><c> companies</c> board because the insurance companies board because the insurance
• </c> purchasing homeowners insurance. purchasing homeowners insurance.

Keywords: 1183, house

Transcript Highlights:

• An act to amend the Insurance Law in relation to requiring certain health insurance policies to provide
• An act to amend the Insurance Law and the Public Health Law in relation to requiring certain health insurance
• An act to amend the Insurance Law in relation to insurance reimbursement for vaccinations.
• An act to amend the Insurance Law in relation to insurance reimbursement for vaccination.
• An act to amend the Insurance Law and the Social Services Law in relation to insurance reimbursement

Committee: Senate Insurance

Keywords: 993, senate, all

Summary: The Senate Standing Committee on Insurance met on February 9, 2026, with several members present and voting sheets used to constitute a quorum. The committee considered a nine-bill agenda covering a range of insurance-related issues, including risk retention groups and commuter vans, prescription drug supply chain transparency and PBM regulation, diabetes and pre-diabetes screening coverage, prescription drug rebates passed through at point of sale, state assistance for local fire code enforcement, independent adjuster licensing, homeowner natural disaster preparedness courses, and insurance reimbursement for vaccinations, including COVID-19 vaccination reimbursement. Most of the bills were moved without substantive debate and were reported from committee, with Senator Helming frequently recorded as “without rec.” Senate Print 3212, relating to state assistance for local enforcement of fire prevention and building codes, was moved but referred to the Finance Committee rather than reported. Senate Print 5049, sponsored by Senator Bailey, was described as broadly supported by industry and the Department of Financial Services and was reported. The vaccination reimbursement bills, Senate Print 5852 and Senate Print 334, were also reported, as were the remaining measures on the agenda.

Transcript Highlights:

• For the record, John Godfrey, North Dakota Insurance Commission.
• This would be creating a new division within the insurance department.
• This would be creating a new division within the insurance department.
• We are limited to the money that is raised in that insurance regulatory trust fund.
• We've not had any discussion from the insurance department about it.

Committee: Senate Industry and Business

Keywords: 908, all

Summary: The Senate Committee on Industry and Business reconvened to work on House Bill 1584, which would create a new pharmacy benefit manager (PBM) regulatory structure within the Insurance Department. Insurance Commissioner John Godfrey and Deputy Commissioner John Arnold explained a revised set of amendments negotiated with Representative Casper and the North Dakota Pharmacists Association. They said the bill largely kept the House policy intact but added technical corrections, narrowed some references in Chapter 19-02, created a separate PBM licensing class, set a delayed effective date for licensing, and established emergency authority so the department could begin building the new division. They also described the proposal to fund the program through existing trust fund resources, PBM license fees, and a transfer of about $1.6 million from the prescription drug transparency program fund, while allowing the department flexibility to hire needed attorneys, pharmacists, and examiners. A major point of discussion was Section 10, which would have required the Attorney General to represent and bear costs for lawsuits related to the bill. Chief Deputy Attorney General Claire Ness said the language was too broad and would go beyond normal constitutional defense work, potentially obligating her office to cover all lawsuits against the commissioner or state under the section. Representative Casper said the intent was only to avoid the Insurance Department having to seek emergency funding for litigation, and both he and department officials said they were open to removing the section or narrowing it. After further discussion, the committee agreed to remove Section 10 from the amendments. The committee then voted 4-0 to adopt the amended amendment package, and then voted 4-0 to give House Bill 1584 a do pass recommendation as amended and refer it to Appropriations. Members noted the bill was still a work in progress, but said the revised version was intended to move the PBM regulation issue forward while continuing discussion in the appropriations process.

Transcript Highlights:

• Escalating insurance rates make it increasingly difficult for health care providers, Escalating insurance
• And Florida doesn't even require malpractice insurance.
• Governor DeSantis ...who pay health insurance premiums and taxes.
• In 2019 through '22, there were property insurance reforms.
• All the insurances are raising, and we have to get insurance.

Summary: The Judiciary Committee met to consider HB 6003, a bill to repeal Florida’s “free kill” law that limits certain survivors’ ability to recover non-economic damages in medical negligence wrongful death cases. The sponsor, Rep. Trabulsy, said the bill would restore access to the courts for a small class of families and noted the measure passed both chambers last year before being vetoed by the governor. She and supporters framed the bill as a fairness and constitutional issue, while opponents argued repeal would increase malpractice exposure, insurance costs, and pressure on physician access, especially in high-risk specialties and rural areas. Public testimony was sharply divided. Supporters included family members who described deaths they said were caused by medical negligence and who argued the current law denies accountability and equal treatment based on marital status or whether a decedent had minor children. Opponents included the Florida Hospital Association, Florida Medical Association, Florida Chamber, U.S. Chamber, Florida Insurance Council, and other health care and business groups, who warned that repeal could worsen already high malpractice premiums, contribute to physician shortages, and destabilize access to care. Several speakers on both sides discussed possible caps on non-economic damages as a compromise, though the bill itself was presented as a clean repealer with no amendments. During debate, several members spoke in support, emphasizing equal access to the courts and rejecting the idea that the law should treat some families differently from others. Opponents of the bill argued that the current system helps preserve market stability and that liability concerns, not the free kill law, are driving provider departures. After closing remarks from the sponsor, the committee voted 15 yeas and 1 nay to report HB 6003 favorably.

Transcript Highlights:

• Insurance Legislators.
• health insurance statutes.
• It specifies how travel insurance... ...with respect to travel insurance.
• It specifies how travel insurers must pay the state insurance premium tax on travel insurance premiums
• Travel Insurance Association.

Bills: SB6149 , SB6175 , SB6230 , SB6248 , SB6312 , SB6061 , SB6137

Committee: Senate Business, Trade & Economic Development

Keywords: rural county, frontier county, public facilities funding, economic development, local option sales tax, sales and use tax, workforce housing, affordable housing, county tax authority, RCW, Washington state, community economic revitalization board, CED, infrastructure funding, public works, job creation, job retention, job expansion, county planning, state auditor reporting

Transcript Highlights:

• My health insurer. And so, this is going to be everyone who has health insurance in New Mexico.
• An insurance company does.
• If someone has health insurance you know the medical service is billed at 100, the insurance pays the
• But someone who has insurance is treated differently than someone who doesn't have insurance.
• And so if the insurance company paid the bill, of course, the insurance company will get reimbursed.

Committee: Senate Senate Judiciary

Keywords: 996, all

Transcript Highlights:

• Additionally, the insurance industry has told us time and again that they're unlikely to insure homes
• insurance companies can... ...insurance.
• So existing homes already have insurance, home insurances, most of them, right?
• , but I acquired my insurance.
• where the insurance industry feels comfortable insuring the areas.

Committee: Senate Local Government

Keywords: 987, senate, all

Transcript Highlights:

• The patient has a co-insurance, not a copay, a co-insurance. Of 20%, so they have to pay $20.
• The first is fully insured plans. This is when the employer buys a plan from an insurer.
• It's a fully insured plan.
• If the insurance If the insurance pays $65, then the doctor gets $15 for a $100 procedure.
• Do I get an insurance plan?

Committee: House Revenue Stabilization & Tax Policy Committee

Transcript Highlights:

• They had to split their general insurance policy from the umbrella, go to two different insurance companies
• policy and got the Department of Insurance.
• policy and got the Department of Insurance.
• We could have done that. insurance policy and got the Department of Insurance.
• I suppose they could still get some private insurance, maybe umbrella type of insurance, but that they

Committee: House Children and Families

Keywords: 959, house, all