Video & Transcript Research : 'premium structure'

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WV

West Virginia 2026 Regular Session

Senate in Session Mar 11th, 2026 at 11:25 am

West Virginia Senate Floor Meeting

Transcript Highlights:
  • language: beginning on July 1, 2027, the tax imposed shall be 2.5 percent of each certified HMO's gross premiums
  • bill conforms the provider tax on HMOs to new federal regulations, which no longer allow the tiered structure
  • July 1st, 2027, the tax imposed shall be 2 and 1 half percent of the each certified HMO's gross premiums
  • conform with the provider tax on the HMOs to new federal regulations, which no longer allow the tiered structure
Keywords: 994, senate, all
Summary: The Senate convened with prayer and the Pledge of Allegiance, approved the journal, and spent much of the day recognizing pages, guests, school groups, and civic organizations visiting the chamber. Several communications from the House and committee reports were received, and a petition on support for new electric transmission lines was referred to the Committee on Energy, Industry, and Mining. Senate Resolution 61, urging the U.S. Supreme Court to reverse Obergefell, was referred to the Committee on Rules, while other resolutions and bills were held over or referred as required. The chamber then acted on a large number of measures, including concurrence in House amendments to Senate Bill 137 on parole eligibility for second-degree murder and voluntary manslaughter, and a conference committee was appointed on House Bill 4026 regarding integrated resource plans. Numerous House bills were advanced or passed after committee reports, covering topics such as industrial access roads, local airport hangar financing, college campus safety, youth and handicapped hunting, missing persons records, driver’s licenses, adjudicatory alternative dispositions, chronic absenteeism, party-switching deadlines for candidates, teacher/school personnel/state police pay raises, election official trainees, political committee filing notices, security personnel for the State Treasurer, post-secondary financial aid, legal practice rules, overseas voting, public officials’ residential information, homestead exemption, military juvenile jurisdiction, military interpersonal violence, kinship care subsidies, statewide prevention planning, contraband smuggling into federal prisons, forestry equipment taxation, microgrid and data center certification, transcript acceptance for students, emeritus medical licenses, higher education rule authorizations, board and commission reforms, managed care organization taxes, and deputy sheriff vacation carryover. Most of these measures passed with little or no opposition, and several received title amendments. The Senate also passed a series of supplemental appropriations, many with immediate-effect motions adopted by the required two-thirds vote. These included funding for the Department of Commerce, Workforce West Virginia, Homeland Security divisions, Health Facilities, Administration, Human Services, the Governor’s Civil Contingent Fund, the Department of Agriculture, and the Bureau of Senior Services. Votes were overwhelmingly in favor, with only a few measures drawing one or more dissenting votes. One bill on tourism appropriations was referred to the Committee on Rules, and several second-reading bills were advanced, including measures on the West Virginia Collaboratory, business-ready sites, volunteer fire companies, religious organization eminent domain restrictions, electric load forecasting, and funeral service licensure.
WV

West Virginia 2026 Regular Session

Senate in Session Mar 10th, 2026 at 11:05 am

West Virginia Senate Floor Meeting

Transcript Highlights:
  • pilot program, restricting certain changes, requiring the PBM rebates to be used to reduce plan premiums
  • , preventing certain PBM organizational structures, requiring a study, and requiring reporting.
  • pilot program, restricting certain changes, requiring the PBM rebates to be used to reduce plan premiums
  • , preventing certain PBM organizational structures, requiring a study, and requiring reporting.
Keywords: 994, senate, all
Summary: The Senate opened with prayer, the Pledge of Allegiance, journal approval, and numerous guest introductions, including students, community leaders, food bank representatives, and visitors connected to Hunger Free West Virginia Day. A resolution recognizing March 10, 2026, as Hunger Free West Virginia Day was adopted, and Senate Concurrent Resolution 7 on the Southern West Virginia water crisis was referred to the Rules Committee. The chamber also heard remarks highlighting Hunger Free West Virginia’s work and a West Virginia company, Unigen, developing pharmaceutical manufacturing in the state. The Senate concurred with House amendments and passed several measures, including Senate Bill 467 on enforcement of Purple Heart parking spaces, Senate Bill 712 on cattle guards on certain public roads, and Senate Bill 781, a supplemental appropriation measure that was also made effective from passage. The chamber then adopted and passed Senate Bill 844, a large supplemental appropriation to the Department of Human Services, and Senate Bill 87, a supplemental appropriation to the Department of Commerce, both effective from passage. Other third-reading bills passed included the Blue Envelope Program for drivers with autism, dementia, or intellectual and developmental disabilities; coverage for scalp cooling systems during chemotherapy; expansion of sex-offender registration to include solicitation of a minor and non-consensual disclosure of private images; child safety reporting requirements for school personnel; age-verification requirements for websites hosting harmful sexual material; free Gold Star parent vehicle registration; online training and updated standards for sanitarians; sheriff hiring authority; organ donor registration through voter registration; a Cold Case Task Force; abandoned vehicle title procedures; nutrition continuing education for physicians; special plate rules; gift card fraud offenses; protections for athletic officials; in-year school personnel movement; administrative services powers; pharmacy benefit manager regulation; vape shop regulation; reduced parole supervision fees; disability service credit for certain troopers; property valuation reporting changes; and quarterly Hope Scholarship payments. The Senate also advanced a large number of House bills and committee substitutes on second reading, including supplemental appropriations and measures on mental health examinations, dog registration rules, juvenile jurisdiction on military installations, military interpersonal violence, kinship care subsidies, a statewide prevention plan, contraband smuggling into federal prisons, forestry equipment levy treatment, and Commerce Department rules for microgrid districts and high-impact data centers. Several committee amendments were adopted, and many bills were advanced to third reading without objection. No executive communications were reported.
AZ

Arizona 2026 Regular Session

01/12/2026 - House Floor Session - Opening Day Ceremony

Arizona House Floor Meeting

Transcript Highlights:
  • the Arizona Alliance of Community Health Centers is delivering affordable health care as insurance premiums
  • military affairs and elections; HB 2002, eligibility and judiciary; HB 2003, driver's license and structure
  • voting federal and military affairs and elections fuller eligibility and judiciary driver license and structure
  • on highways lanes, transportation and infrastructure; 2088, legal tender uses, commerce; 2089, CRs premium
Keywords: 1182, all
Summary: The House convened for an opening-day floor session marked by ceremonial activities, including the invocation, posting of the colors, the Pledge of Allegiance, and musical performances. Members also welcomed the Doctor of the Day, Dr. Jason Jamison, and a large number of special guests, dignitaries, family members, and community leaders. The Speaker delivered extended remarks about Arizona’s history, the responsibilities of legislators, and the importance of civility and respect in the chamber. Guest speakers included ASU football coach Kenny Dillingham and University of Arizona basketball coach Tommy Lloyd, both of whom spoke about leadership, culture, teamwork, and the role of athletics in uniting and retaining talent in Arizona. The House then took up organizational business. Members adopted amendments to the House rules for the 57th Legislature, Second Regular Session, and then adopted the amended rules as the governing rules for the session. The chamber also approved an emergency declaration for bill readings, allowing bills, resolutions, and memorials to be read by number and short title only. The Speaker announced two new standing committees for the session: Artificial Intelligence and Innovation, chaired by Representative Justin Wilmeth, and Rural Economic Development, chaired by Representative Teresa Martinez. A House Organizational Committee was appointed to notify the Senate that the House was organized and ready for business and to join a committee to notify the Governor. A lengthy portion of the meeting was devoted to points of personal privilege, during which many members introduced family members, constituents, local officials, educators, business leaders, veterans, and advocacy groups. Several members highlighted issues such as water security, affordability, education, health care access, reentry services, veterans’ citizenship, and support for working families. The session concluded with the House recessing and then reconvening for the formal start of legislative business, including committee membership changes and the first reading of a large slate of bills covering elections, taxes, education, health, water, transportation, public safety, and other topics.
WA
Transcript Highlights:
  • So from that, we could then identify those structural improvements, non-structural improvements that
  • And so that commodity premium of minus 19.42 is really just the difference between those two numbers.
  • So its commodity premium is minus 35%.
Summary: The House Agriculture and Natural Resources Committee held an interim work session focused on Washington agriculture’s viability, workforce, and competitiveness. Director Derek Sanderson of the Washington State Department of Agriculture and WSU Dean Raj Kosla described the size and diversity of the state’s farm sector, declining farm numbers, major export markets, and pressures from labor costs, low commodity prices, trade barriers, drought, regulatory burdens, and pests and disease. Kosla emphasized WSU’s land-grant role in education, research, and extension, including precision agriculture, broadband needs in rural areas, and the need for state support to help producers adopt new technologies and train the next generation of agricultural workers. Members asked about retaining farmland, increasing workforce capacity, and the role of precision agriculture. Kosla said precision agriculture can help address labor shortages and water scarcity, but adoption is limited by cost and rural broadband gaps. He explained precision agriculture as tailoring inputs to the right place, time, amount, and manner, and said WSU is working on low-cost sensor technologies and other innovations. Members also asked about how widely precision agriculture is used and whether it improves farm bottom lines; Kosla said adoption varies by tool and that he would follow up with more data. The committee then heard from Dr. Randy Fortenberry of WSU’s Impact Center on an agricultural competitiveness study and the effects of tariffs and trade. He reported that Washington’s competitiveness has generally declined relative to peer states in dairy, grapes, hops, apples, and wheat, with potatoes as the main bright spot. Surveyed producers said a substantial share of revenue is tied to regulatory compliance, with labor-related costs a major driver, and small diversified farms reported land access, capital, and profitability as bigger barriers than regulation. On trade, Fortenberry said Washington agriculture is highly export-dependent and vulnerable to retaliation, citing past losses in wheat, apples, pulses, and cherries when tariffs disrupted markets, while noting current uncertainty around China and India. The committee asked follow-up questions about compliance time, peer-state comparisons, and regulatory burdens; no votes were taken, and the department said it plans an interim report by the end of the year and a final report by June 2026.
CA

California 2025-2026 Regular Session

Assembly Transportation Committee Apr 28th, 2025

Transcript Highlights:
  • It provides the structure. ...of advanced air mobility. This bill, AB 431, changes that.
  • It provides the structure and statewide coordination needed to turn emerging AAM technologies into real
  • Charging a 37% premium to register my car is not fair.
  • Charging 37% premium to register my car is not fair.
Summary: The committee heard and advanced several transportation-related bills, beginning with AB 431 on advanced air mobility. The author and supporters from AUVSI, Joby Aviation, United Airlines, Wisk Aero, the City of Long Beach, and Archer said the bill would create a statewide plan and technical framework for eVTOL/advanced air mobility infrastructure, public outreach, and local implementation. No opposition testified, and the bill passed the committee as amended to Appropriations on a unanimous roll call. Members then took up AB 630 on abandoned or hazardous RVs. The author and supporters, including Los Angeles Mayor Karen Bass’s office, argued the bill would curb a cycle in which inoperable RVs are towed, auctioned cheaply, and returned to the streets by predatory buyers, while adding notice, recovery, and reporting requirements. Opponents from Western Center on Law and Poverty and ACLU California Action warned the bill would destroy RVs that serve as shelter for unhoused residents and could worsen homelessness. After discussion about the bill’s focus on dismantling rather than towing, the committee passed AB 630 as amended to Appropriations. The committee also approved AB 314, which would support transit-oriented development around planned and existing high-speed rail stations; AB 1223, which gives Sacramento County communities more flexibility to use local transportation revenues for related infrastructure supporting infill development; AB 1111, which adds flexibility to the zero-emission school bus transition for rural and disadvantaged districts; AB 1190, which caps fees charged by DMV business partners and requires clearer disclosure of the official DMV site; AB 987, which limits unreasonable towing fees and related charges; and AB 911, which creates a narrow exemption from Advanced Clean Fleets rules for telecommunications bucket trucks and sail-on-wheels used in emergencies. Most bills drew support from local governments, industry, or consumer groups, while AB 1111 and AB 911 drew opposition from clean transportation and environmental advocates concerned about weakening emissions goals. All of the bills were reported out as amended to the Committee on Appropriations, with recorded roll-call votes and several members adding their names as co-authors or supporters.
CA
Transcript Highlights:
  • That have been put forward, but those structural features we think are worth maintaining.
  • Significant increases in liability insurance premiums and special assessments related to liability coverage
  • like now post the LA County fires, and this will impact school districts as well with regard to premiums
  • expensive than maintaining that remote school site with teachers and a principal and the support structure
Keywords: 988, house, all
HI
Transcript Highlights:
  • This primary care issue is going there might be an increase in premium, a slight increase in premium
  • This primary care issue is going there might be an increase in premium, a slight increase in premium
  • In premium for a short time as we ramp up to this, but this is an effort the state needs to take.
  • We're asking whether this level of structural commitment is right for Hawaii at this time, and we don't
  • commitment is right for structural commitment is right for Hawaii<01:11:27.280> at<01:11:27.520
Keywords: 912, senate, all
Summary: The committee first heard SB 888, which would bar operators of smart household security devices from sharing user data with law enforcement unless the user consents or police obtain a warrant. DCCA’s Office of Consumer Protection offered comments and Judiciary submitted written support. Several individuals also submitted written support. The committee recommended passage with amendments clarifying that the Office of Consumer Protection may enforce violations and adopting Judiciary’s recommended changes, while also deferring the effective date to July 1, 2050. The motion passed unanimously among members present, with one senator excused. The committee then took up SB 2777 on insurance disclosures. The bill would require authorized insurers to disclose claim-handling data to consumers, including claims open at the start of a period, closed with payment, closed without payment, and open at the end of the period. The committee described amendments to clarify the bill, remove a requirement for the DCCA insurance division to handle publication, and defer the effective date to July 1, 2050. The measure was passed with amendments and the recommendation was adopted, with one member voting no and another excused. In a joint Commerce and Consumer Protection/Judiciary hearing on SP2738 relating to tax haven abuse, the Department of Taxation offered comments and the Tax Foundation testified in opposition, arguing the state should rely on IRS audits and existing worldwide reporting rules rather than create a separate state approach. Other written testimony was noted in both support and opposition. The committees recommended passage with amendments adopting Taxation’s technical changes and deferring the effective date to July 1, 2050; the recommendation was adopted, with one senator noting reservations. The joint hearing then moved to health-related bills, including SB 2690 on primary care spending, SB 3103 on energy assistance, SB 3137 on Department of Health authority over food, drugs, and cosmetics, SB 3164 on child welfare service organizations, and SB 3206 on cannabinoids. SB 2690 drew strong support from physicians and advocates who said it would address primary care shortages, especially on neighbor islands, while HMSA and others warned a fixed spending percentage could raise costs and suggested a working group. SB 3164 drew support from child welfare providers and opposition from the Attorney General over indemnification language, and SB 3206 drew mixed testimony: state agencies raised federal-law and vagueness concerns, while hemp and cannabis advocates and some farmers supported the measure and urged broader legalization or amendments.
MN
Transcript Highlights:
  • and a stable and reliable tax structure. and a stable and reliable tax structure.
  • uneven outcomes and structural uneven outcomes and structural inequality. inequality. inequality
  • their business as a structure their business as a pass-through<00:35:15.120> entity.
  • because of the tax structure here. because of the tax structure here.
  • <01:02:44.800> here structure here structure here get<01:02:45.920> worse<01:02:46.240>
Keywords: 919, house, all
Summary: The committee heard presentations on two tax bills: House File 4123, by Representative Agbaje, would expand Minnesota’s net investment income tax to include certain business income, especially income from S corporations and LLCs not subject to federal self-employment taxes, while keeping the current rate and million-dollar threshold; she said it would raise an estimated $88.7 million next year. House File 4616, by Chair Gomez, would impose a 1% annual tax on fortunes above $10 million. Gomez framed the bill as a response to growing wealth inequality and argued that wealthy households and large fortunes should contribute more to public services, while Agbaje said her bill would broaden the tax base and help meet state needs. Public testimony was sharply divided. Supporters, including Nan Madden of the Minnesota Budget Project, Erica Mominee of the Minnesota Association of Professional Employees, Lauren Richards, and teacher Kristen Sinicariello, said the bills would help address wealth and income inequality and provide needed revenue for public health, education, and other public services. They pointed to federal tax cuts for high-income households, cuts to Medicaid and SNAP, and strains on state agencies and schools. Richards said small businesses already pay more than large corporations like Amazon, and Sinicariello argued that higher revenue would support classrooms and help equalize opportunity. Opponents, including Brian Cook of the Minnesota Chamber of Commerce, Dalton Danielson of the Minnesota Business Partnership, and John Beschi of NFIB Minnesota, warned that both bills would hurt business competitiveness and investment. They argued that HF 4123 would effectively create a new higher tax tier for pass-through businesses and that HF 4616 would be difficult to administer, could force sales of illiquid assets, and could discourage entrepreneurship and capital investment. No votes or final committee action were taken in the portion of the meeting provided; the committee moved through bill presentations and public testimony before member discussion.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Revenue Jun 21st, 2026 at 10:00 am

Joint Committee on Revenue

Transcript Highlights:
  • what's happening with human services, some of the health care programs, the lapsing of the advanced premium
  • with what the governor's trying to do with the opportunity zones, which have a different kind of structure
  • hear from members that they don't know how they'll be able to afford health insurance because their premiums
  • , and it's going to be free—the benefit is going to be tax-free to the extent the worker pays the premium
Keywords: 995, all
Summary: The Joint Committee on Revenue held a public hearing on H. 4975, Governor Healey’s bill to manage the impact of the federal “One Big Beautiful Bill” (OB3) on Massachusetts tax law and state revenues. Administration officials, led by Secretary of Administration and Finance Matt Gorowitz, said OB3 would otherwise reduce FY26 revenue by about $442 million and argued for a phased-in conformity approach that would preserve the current-year budget while still adopting selected federal business tax provisions over time. The proposal would phase in the research and experimental expenditure deduction first, delay other major corporate provisions for two years, extend the pass-through entity excise to income subject to the 4% surtax, add a one-year delay mechanism for future federal tax changes over $20 million, limit opportunity zone benefits to Massachusetts investments, and make smaller technical changes to DFML contributions and casino reporting thresholds. Committee members questioned the rationale for phasing in rather than fully decoupling, the effect on the budget if the bill did not pass, and the treatment of opportunity zones, the surtax, and future federal tax changes. Public testimony was split. MassBudget, Progressive Massachusetts, and several labor and public-sector groups urged the committee to permanently decouple from the federal corporate tax changes rather than delay them, arguing that the bill would still send state revenue to corporate tax breaks, often for investments outside Massachusetts, and that the state should protect funding for schools, health care, human services, and other public services. The Massachusetts Society of CPAs supported the administration’s timing and the research-and-development provisions, citing filing deadlines and the importance of certainty for businesses and startups. Business and tax experts also testified that rushed conformity can create revenue losses and that the governor’s review-and-delay framework was a prudent improvement, though some said decoupling should be the default if the Legislature does not act. Unite Here Local 26 testified against sections 3 and 4, which would raise the slot-machine jackpot reporting threshold from $1,200 to $2,000, arguing the current threshold helps with problem-gambling intervention, preserves slot attendant jobs, and generates revenue. Several union leaders, including the Massachusetts Teachers Association, AFT Massachusetts, SEIU 509, the Massachusetts Building Trades, the AFL-CIO, and 1199 SEIU, urged permanent decoupling, warning that OB3’s federal tax cuts and related spending reductions would worsen budget pressures, harm public services, and shift costs onto workers, patients, and schools. No votes were taken at the hearing.
NM
Transcript Highlights:
  • And then structural changes in the labor market that could come in the years to come; for example, if
  • trying to pull it up here, but Craig does estimate some losses from shrinking Medicaid rolls as... ...premium
  • tax collections based on those insurance premium revenue declines and also on restrictions on state-directed
  • Flexibility in making things affordable, maybe it's a health care premium.
Keywords: 996, all
WA

Washington 2025-2026 Regular Session

Select Committee on Pension Policy Jun 16th, 2026 at 12:40 pm

Select Committee on Pension Policy

Transcript Highlights:
  • Ultimately, any costs from including animal control officers and PERS will come down to how the bill is structured
  • firefighters pension plan, which will serve as the starting point for a study on the fire insurance premium
  • does just apply to prospective service, but that's not to say that, you know, this bill has to be structured
  • We've structured this agenda item to first allow the committee to provide or to discuss any of the items
  • I don't think we've discussed the structure of that.
Keywords: 904, all
MN

Minnesota 2025-2026 Regular Session

Extending aspects of the state's reinsurance program 3/5/26

Minnesota House Floor Meeting

Transcript Highlights:
  • <00:05:18.080> will before, cost of individual premiums will before, cost of individual premiums
  • With the loss of the advanced premium With the loss of the advanced premium tax<00:10:40.000>
  • Commerce's 2016 rate release, premiums Commerce's 2016 rate release, premiums in<00:14:27.920>
  • that market and help bring premiums that market and help bring premiums down. down. down.
  • Is it upfront with the premiums?
Keywords: 1183, house
Summary: The committee took up House File 3388, and an A1 amendment was adopted by voice vote. The bill, as amended, would direct the Department of Commerce to seek another federal waiver to continue Minnesota’s reinsurance program and preserve the assessment-and-tax-credit funding model adopted last session. Chair O’Driscoll said the measure is intended to give future legislators options before the current reinsurance structure ends, warning that without it individual-market premiums could rise substantially and more people could lose coverage. Testimony was largely supportive. Dan Andre of the Minnesota Council of Health Plans said reinsurance has been a success since 2018, has lowered premiums by covering a portion of high-cost claims, and helped subsidize care for more than 5,000 Minnesotans in 2024. Ann New Brindley of the Minnesota Business Partnership and Steven Rubis of the Health Plan Partnership of Minnesota also backed the bill, saying market stability is important amid the loss of federal premium tax credits and that continued reinsurance would help prevent further premium increases and cost shifting. Jonathan Carter of the Minnesota Chamber of Commerce likewise supported the bill, citing the program’s role in keeping Minnesota’s individual-market premiums among the lowest in the country. Members also discussed how the assessment and tax-credit mechanism works, with Chair O’Driscoll describing it as an assessment on plans followed by a tax credit against state liability. Representative Elkins questioned how insurers self-assess, and Representative Smith said the assessment model is preferable to a general-fund approach if the program continues. Representative Kaggel raised concerns about taxpayer costs and the broader health care system, while also saying the current system is unsustainable and in need of more fundamental change. The committee then renewed the motion to lay House File 3388, as amended, over for possible inclusion in an omnibus bill.
NH
Transcript Highlights:
  • That's a policy decision for you to make, but the consequence of that will be higher premiums.
  • That's a policy decision for you to make, but the consequence of that will be higher premiums.
  • There is no question that you will see an increase in commercial insurance premiums.
  • That's a policy decision for you to make, but the consequence of that will be higher premiums.
  • It's going to be more difficult for individuals to afford those premiums. ...those premiums, and while
Keywords: 928, house, all
Summary: The House Commerce Committee opened a public hearing on House Bill 310, sponsored by Representative Keith Ammon, which would create a study commission to develop a legal framework for stable tokens and tokenized real-world assets. Ammon described stable tokens as blockchain-based digital tokens backed by U.S. dollars or treasuries, and tokenized real-world assets as representations of ownership in items such as gold, real estate, or artwork. He said the bill is intended to help New Hampshire get ahead of emerging financial markets while waiting to see how federal legislation develops. Committee members asked about the purpose of the bill, the difference between this proposal and Bitcoin, whether state regulation could be preempted by federal law, and whether the commission could be balanced and avoid becoming a vehicle for fraud or money laundering. Ammon said the proposal is blockchain-agnostic, could apply to multiple networks, and is meant to regulate asset-backed tokens rather than create a state-issued coin. He emphasized that the state would not be guaranteeing the underlying assets, but would set rules requiring audits, proof of reserves, and honest representation of backing, with the Secretary of State’s securities office involved in oversight. Several members raised concerns about the risks of stablecoins, including money laundering, tax evasion, and possible harm to the dollar or confusion about whether the state was endorsing a new currency. Ammon responded that the bill would not undermine the dollar and argued that tokenization could actually expand demand for U.S. currency by making it easier to use globally. He also said the state would not be in the business of weighing assets or directly valuing them, only ensuring a valid audit trail and one-to-one backing. The discussion ended with general agreement that the subject is complex and that a commission could help develop future legislation, but no vote or final action was taken in the hearing.
US
Transcript Highlights:
  • obvious way climate change is harming Americans across the country is through spiraling insurance premiums
  • Congress structured the Clean Air Act around the principle of cooperative federalism and control.
  • To what we're seeing in terms of unaffordable insurance premiums and ask what you intend to do about
MN

Minnesota 2025-2026 Regular Session

Creating the Educator Group Insurance Program (Part 2) 2/26/26

Minnesota House Floor Meeting

Transcript Highlights:
  • Assuming just a 10% annual premium increase, a decade from now, the premium for the same plan will cost
  • Assuming just a 10% annual premium Assuming just a 10% annual premium increase,<00:04:00.879>
  • increase, a decade from now, the premium increase, a decade from now, the premium for<00:04:02.720
  • :04:55.520> coverage<00:04:56.080> is premiums going up, but coverage is premiums going
  • The amount we pay in healthcare premiums The amount we pay in healthcare premiums and<00:08:37.440
Keywords: 1183, house
MN

Minnesota 2025 1st Special Session

House DFL Press Conference 3/27/25

Transcript Highlights:
  • For many families and individuals, car insurance premiums can be an insurmountable financial burden and
  • <00:04:44.600> are companies companies whose premiums are companies companies whose premiums
  • So if you have more money and better credit, you are going to have a better premium cost.
  • So if you have more money and better credit, you are going to have a better premium cost.
  • <00:21:02.039> are we are being our insurance premiums are we are being our insurance premiums
Keywords: 1183, house
ND

North Dakota 2025-2026 Regular Session

House Industry, Business and Labor Apr 8th, 2025 at 02:45 pm

Industry, Business and Labor

Transcript Highlights:
  • It's because the actuaries guessed what the premium should be, and we funded that premium level, and
  • In our case, the unit premium.
  • Or total premium? Was it total or was it per individual premium?
  • And that's the current premium now.
  • So that's the monthly premium. So that's the monthly premium.
Bills: SB2160
Summary: The committee resumed work on Senate Bill 2160, which would move the Public Employees Retirement System health plan from grandfathered to non-grandfathered status under the Affordable Care Act. PERS officials Rebecca Frickie and Derek Holbein explained that the bill would allow more flexibility in plan design, including higher deductibles, co-pays, and out-of-pocket maximums, while also adding enhanced preventive benefits. They clarified that ACA “essential health benefits” apply to individual and small-group markets, not to PERS as a large employer, and that the bill’s projected cost increases were based on actuarial estimates and prior bid scenarios from Sanford and Blue Cross Blue Shield. Members debated whether the bill would actually save money or simply shift costs to employees. Supporters argued that non-grandfathered status would create more levers to manage medical inflation and could produce net premium savings through plan redesign, citing prior bid comparisons showing potential reductions of 1% to 8% depending on the option. Opponents, including Representative Schauer and North Dakota United president Nick Archelette, questioned how the state would pay for the estimated $25 million to $30 million in added benefits and warned that employees could face higher out-of-pocket costs amid already strained household budgets. Frickie said the legislature would control funding decisions and that current law requiring the state to pay full family premiums could be changed only by statute. The committee also discussed reserve funding, with members noting that a $4.3 million reserve draw in the bill was intended to cover the final months of the biennium and could be modified. After testimony and discussion, Vice Chair Johnson moved a do-pass recommendation and referral to Appropriations. The motion passed 10-3-1, with Representatives Ostlie, Schatz, and Schauer voting no. Representative Gump agreed to carry the bill.
TX
Transcript Highlights:
  • In terms of our funding structure, the medical board operates without any reliance on the state's general
  • Our entire budget and structure is set up to have lawyers on hand to handle something like a CCN in the
  • The second issue outlines the modification of the agency's budget structure to create a new goal and
  • Last year, our premium volume was over $290 billion.
  • At $150 an hour, this means they supposedly worked... 25 workdays, so more likely they were paid a premium
Bills: SB1, SB 1
NM

New Mexico 2025 Regular Session

House - Health and Human Services Oct 1st, 2025

House Health & Human Services

Transcript Highlights:
  • At the same time, premium costs are rising.
  • Are they going to pay 50% of my premium, 10% of my premium?
  • The enhanced premium tax credits, and I'll just refer to Mr.
  • That's going to be cost prohibitive at that premium.
  • Bayou's point about particularly the age, the premiums, and premium changes, and I had a few examples
CA
Transcript Highlights:
  • So for the tiered rate structure.
  • , the tiered rate structure.
  • , the tiered rate structure.
  • In our rate structure, we have a 90-10 structure.
  • , the tiered structure.
Summary: The hearing began with opening remarks on the Governor’s May Revision for child care and human services, with committee members and advocates stressing that the budget should not be balanced on the backs of low-income families, children, and providers. Legislative members and public witnesses strongly opposed the proposed suspension of the child care COLA, reductions to the Emergency Child Care Bridge Program, and the lack of codified rate reform tied to the alternative methodology. Several speakers also urged more support for providers affected by the Eaton fire and other disasters, and called for child care to be funded at the true cost of care and for additional slots to be restored. Administration, LAO, and Department of Education staff described the child care proposal as maintaining existing funding levels while adding administrative resources to prepare for federally required prospective payment changes and single-rate reform. The administration said the May Revision would suspend the 2025–26 COLA and reduce Bridge Program funding to align with utilization, while the LAO raised questions about the size and purpose of the proposed rate-reform and prospective-payment funding and recommended rejecting a Department of Technology exemption. CDE supported continued early education investments but said it would need additional resources if prospective pay were extended to state preschool, and it objected to a proposed reallocation of preschool funds for inclusive education grants. The committee then moved to the IHSS portion of the May Revision. DSS outlined five major proposals: capping provider work hours at 50 per week, eliminating IHSS for undocumented adults age 19 and older, shifting certain Community First Choice reassessment penalties to counties, reinstating the Medi-Cal asset test as a conforming IHSS reduction, and automating the termination of IHSS when Medi-Cal eligibility ends. DSS also discussed funding to implement a federal HCBS access rule and a separate reassessment of IHSS administrative methodology that found counties would need additional administrative funding. Finance said the proposals were intended to slow program growth and improve sustainability, while the LAO said it was still analyzing the package and raised concerns about implementation, county workload, and the potential loss of services. Committee members and public commenters criticized the IHSS cuts, especially the overtime cap and the elimination of services for undocumented adults and people affected by the asset test. Advocates argued that IHSS workers and recipients depend on these services, that county administration is already underfunded, and that the proposals could destabilize vulnerable consumers. The chair closed by saying the committee would continue to fight for child care and would not pause on child care, and the meeting recessed before moving on to the remaining May Revision items.