Video & Transcript Research : 'Insurance Commissioner'
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MN
Minnesota 2025 1st Special Session
House Commerce Finance and Policy Committee 2/19/25
Commerce Finance and Policy
Transcript Highlights:
- I'm the Deputy Commissioner of Insurance at... and again, thank you for the opportunity to share with
- Thank you, Commissioner.
- Thank you, Commissioner.
- companies in general—not just health insurance, but insurance in general.
- <01:17:28.960>
death insurance Market into an insurance death insurance Market into an insurance
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (05/20/2025)
Transcript Highlights:
- commissioner is given act, the insurance commissioner is given rulemaking<00:31:19.679>
authority - <00:31:48.640>
commissioner insurance commissioner insurance commissioner uh<00:31:50.640> - is given to the insurance commissioner to ensure compliance; and then number 19, the insurance commissioner
- >
given insurance commissioner is given insurance commissioner is given authority<00:43:42.319 - >
given insurance commissioner is given insurance commissioner is given rulemaking<00:43:54.960
Summary:
The subcommittee took up the pooled risk management program bill and reviewed a new amendment drafted with input from the Insurance Department and Legislative Services. Department witnesses explained that the proposal would move oversight of pooled risk management programs from the Secretary of State’s office to the Insurance Department, add a licensure requirement, preserve the programs’ non-insurer status, and exempt them from third-party administrator licensure. They also described a series of solvency tools in the draft, including financial reporting, risk-based capital standards, minimum capitalization, investment limits, commissioner examination and enforcement authority, rulemaking authority, merger and affiliate-transaction review, confidentiality protections, and a separability clause.
A major theme of the discussion was that pooled risk management programs differ from commercial insurers because the risk remains with the member local governments rather than being backed by a state guarantee fund. Witnesses said the bill is designed to emphasize solvency over return of premium and to give the Insurance Department a regulatory “toolbox” to prevent insolvency, including a proposed $5 million excess or stop-loss coverage benchmark, optional accessible policies, and a requirement that boards vote on dividends or premium returns when capital exceeds 600% of risk-based capital. Members questioned how this approach differed from the original Secretary of State bill and whether assessments on towns would still be possible; the department responded that the new framework would allow more flexible oversight and alternatives to immediate court action.
The committee also discussed why the statute should continue to say the programs are not insurers, with the department explaining that this preserves their autonomy and avoids applying unrelated insurance laws and premium taxes. Members asked about the department’s workload and were told the department believed it could absorb the new duties without additional funding. No vote or final committee action was taken in the portion provided.
ND
North Dakota 2025-2026 Regular Session
SB 2374 Conference Committee Apr 16th, 2025 at 08:00 am
Transcript Highlights:
- And then Insurance Commissioner Godfrey also sent some additional language referring to... ...sent some
- John Arnold, Deputy Insurance Commissioner.
- If we are only being approached from this from that insurance aspect of the insurance company won't pay
- If I could ask a question of Deputy Commissioner Arnold.
- Commissioner Arnold.
Summary:
The conference committee on Senate Bill 2374 discussed proposed amendments to the insurance rebating provisions and a new study on towing and recovery issues. Deputy Insurance Commissioner John Arnold explained that, after working with industry representatives, the compromise was to remove the large commercial rebating exemption language and keep the rest of the bill intact, while also clarifying that federal crop insurance remains subject to the state’s rebating laws. Members asked several questions about how the large commercial risk definition would work, how the rules would apply to nonresident producers and border-area farm policies, and whether the changes would affect long-standing industry practices.
The committee also considered Commissioner Godfrey’s request for a study on who pays to remove vehicles from the roadside when the owner has liability-only coverage, especially in cases involving totaled or abandoned vehicles. Arnold said the issue has been raised by Highway Patrol and towing interests and that the study language was intended to examine possible solutions for the next legislative session. Some members expressed concern about shifting costs to the insurance industry, but others supported the study as a way to gain clarity.
The committee adopted the amendment package, including the towing study language, by a 6-0 roll call vote. It then passed Senate Bill 2374 as amended by another 6-0 vote. The committee noted that the bill would need floor carriers on both chambers, with Representative Johnson and Senator Klein indicating they would carry it.
MN
Transcript Highlights:
- Commissioner. All right. Um, adopted. Commissioner. All right.
- 00:02:36.800>
Department commissioner of the Minnesota Department commissioner of the Minnesota - insurance programs. insurance programs.
- <00:06:47.120>
fraud program can have an insurance fraud program can have an insurance fraud - And section five requires a insurer.
MN
Minnesota 2025-2026 Regular Session
Conference Committee on H.F. 4188 - Omnibus Commerce and Consumer Protection - Part 1 - 05/13/26
Transcript Highlights:
- insurance insurance provisions. provisions. provisions.
- 00:09:47.800>
health <00:09:48.000>service insurers and nonprofit health service insurers - of Commerce to perform Commissioner of Commerce to perform health<00:10:31.960>
insurance <00: - <00:10:35.960>
of Section 14 requires the Commissioner of Section 14 requires the Commissioner - transparency reports to the Commissioner transparency reports to the Commissioner of<00:10:40.839
Summary:
The committee took up H.F. 4188, the Commerce and Consumer Protection Policy Omnibus, and moved through a series of agreed-upon motions to adopt various House and Senate language articles and sections. The adopted provisions covered a wide range of topics, including residential mortgage loan servicing standards, student loan borrower protections, rental home marketplace guarantees, group coverage cancellation, limited lines travel insurance, insurance lead generators, collection agency and credit services organization definitions, proof of identification requirements, scrap metal copper licensing, technical changes to ASTM references and report filings, securities-related provisions, unclaimed property issues involving virtual currency and funeral prepayment funds, repeal of the prescription drug affordability advisory council, reinsurance program changes, and health insurance reporting and oversight provisions. Most motions were adopted without opposition after brief staff explanations and member encouragements to vote yes.
In the health-related sections, the committee adopted language requiring insurers and nonprofit health service plan corporations to notify the Commissioner of Commerce about significant enrollment increases, expanding access to all-payer claims data for oversight, and requiring the sharing of PBM annual transparency reports with the Commissioner of Health. The committee also adopted language on artificial intelligence in utilization review, initially defining AI and prohibiting exclusive reliance on AI for adverse coverage determinations. Representative Elkins then offered an amendment to remove the specific AI definition and replace it with broader language referring to automated processing, arguing that technology-neutral drafting is more durable and that a human must remain in the loop for coverage denials; the amendment was adopted.
After the agreed-upon items were completed, members indicated the chairs would huddle to work on the remaining issues and return after recess. The meeting then recessed to the call of the chair.
VT
Transcript Highlights:
- Um, H. 649 pertains to captive insurance and it reflects a proposal recommended by the Commissioner of
- The National Association of Insurance Commissioners has a template form, and it also requires that they
- The National Association of Insurance Commissioners has a template form, and it also requires that they
- insurer, insurance broker, or trade organization to provide captive insurance benefits to unrelated
- , Deputy Commissioner of Captive Insurance,<00:16:22.480>
Department <00:16:22.800>of <00
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (03/04/2025)
Transcript Highlights:
- "DJ Betton, Commissioner of the New Hampshire Insurance Department, let me speak to the length of the
- commissioner um and as the commissioner commissioner um and as the commissioner mentioned<01:27:
- As the commissioner mentioned, insurance companies fund, by assessment, the budget of the Insurance Department
- As the commissioner mentioned, insurance companies fund, by assessment, the budget of the Insurance Department
- c> oh bill the insurance the insurance bill oh bill the insurance the insurance bill oh the<03:06
Summary:
The subcommittee first reviewed its schedule, noting that 13 bills were being executed the next day and that additional subcommittee work would be scheduled around Town Meeting Day and the following session days. The chair explained that the committee would not meet on Town Meeting Day, would handle the remaining bills on the next available subcommittee day, and would continue any unfinished items later in the month.
The committee then took up House Bill 774, which concerned Medicare-related coverage issues. Members discussed the bill’s purpose and the differences between Medicare standard and Medicare Advantage, with one member saying the proposal was informative but did not offer a workable solution. The committee also moved to inexpedient to legislate on House Bill 185, and the motion passed on a 6-0 vote.
House Bill 241, relating to alternatives to opioids, was retained for further work. Members said the bill raised concerns about insurers effectively practicing medicine and about the lack of evidence on the efficacy of some alternative treatments, while also noting that chiropractic coverage mandates already exist in statute. The committee voted to retain the bill, with the motion passing 6-0.
The most extended discussion was on House Bill 648, which would expand insurance coverage for glucose monitoring. Testimony and committee comments focused on whether coverage should be tied to insulin use or instead to a physician’s medical judgment, the role of continuous glucose monitoring for people with type 2 diabetes who are not on insulin, and the potential cost impact. An insurance department fiscal analyst said the original $22-per-member estimate was based on the unamended bill and that the amended version would require updated analysis; members agreed to retain the bill to narrow the eligible population and revisit the language later.
FL
Florida 2025 Regular Session
November 18, 2025 - 08:00 AM
Transcript Highlights:
- We know by the Florida Insurance Commissioner Mr.
- The commissioner and the Department of Financial Services does underneath the CFO CFO handles insurance
- commissioner and the Office of Insurance Regulation to hold companies accountable and just generally
- And the commissioner of Insurance always be concerned about capitals flow out of a company that's not
- Thank you to thank you, Commissioner. Thank you, Commissioner Ian Mr.
VT
Transcript Highlights:
- National Association of Insurance National Association of Insurance Commissioners<00:21:03.280><
- Association of Insurance Commissioners.
- The committee heard testimony from the interim deputy commissioner of captive insurance, Department of
- The committee heard testimony from the interim deputy commissioner of captive insurance, Department of
- deputy commissioner of captive insurance,<00:25:02.320>
Department <00:25:02.640>of <00
Summary:
The House opened with devotional remarks from Representative Greer focused on perspective, kindness, and the idea that people “earn” respect and love through shared humanity. After that, the chamber suspended rules to introduce 17 House bills by number only, and adopted JRS 3 in concurrence, setting a joint assembly for Tuesday, January 20, 2026 at 1:00 p.m. to receive the governor’s budget message. Several announcements followed, including birthday wishes, a note about the new federal whole milk for schools law, guest introductions, and caucus notices.
The House also approved committee transfers for H.393, an act relating to the prohibition of requiring face masks in schools, moving it from Education to Healthcare, and H.334, an act relating to limiting employer restrictions on individuals separating from employment, moving it from General and Housing to Commerce and Economic Development. The chamber then took up H.649 on captive insurance companies. The Commerce and Economic Development Committee explained that the bill, based on Department of Financial Regulation proposals, would prohibit risk retention groups from lending to or investing in members or affiliates, require annual and quarterly filings in NAIC form with a jurat page and actuarial certificate, and create new filing requirements for sponsored captive protected cells. The committee reported unanimous support, and the House amended the bill and ordered third reading.
The House next considered S.60, establishing a Farm Security Special Fund. The Agriculture, Food Resiliency, and Forestry Committee and Appropriations described the bill as a response to repeated weather-related losses affecting farms and forestry operations, including flooding, freezes, drought, and other extreme events. The House version adds forestry and changes assistance from grants to payments to make aid faster and less cumbersome. The program would be administered by the Agency of Agriculture, Food and Markets, with a review board and payments of up to 50% of uncovered losses, capped at 5% of annual appropriations and $150,000 per application. The committee testimony emphasized the need for a permanent, predictable state relief mechanism, and the bill was advanced with strong support.
FL
Florida 2025 Regular Session
Banking and Insurance Feb 4th, 2025
Transcript Highlights:
- EVERYTHING FROM MITIGATION TO INSURANCE AND INSURANCE CREDITS TO MY FLORIDA SAFE HOME PROGRAM.
- PRIOR TO JOINING OIR HE SERVED FOR THE GEORGIA OFFICE OF INSURANCE AND COMMISSIONER.
- THE FORM IS THEN SUBMITTED THE INSURANCE COMPANY SOMETIMES TO THE INSURANCE AGENCY SOMETIMES THE REALTOR
- INSURABLE.
- AND I HAVE HAD INSURANCE THE ENTIRE TIME THAT HAVE BEEN IN THE HOUSE AND MY INSURER KNOWS THAT FROM THE
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Jun 24th, 2026
Transcript Highlights:
- Josephine Figueroa, deputy commissioner and legislative director for the Department of Insurance, under
- the leadership of Insurance Commissioner Ricardo Lara.
- director for the Department of Insurance under the leadership of insurance commissioner Ricardo Lada
- Under the leadership of insurance commissioner Riccaldolada.
- On behalf of Insurance Commissioner Ricardo Lara, I ask for your aye vote.
Summary:
The Assembly Insurance Committee met to consider several insurance-related bills, with SB 1301 by Senator Allen and SB 876 by Senator Padilla receiving the most discussion. SB 1301 would reform residential property insurance non-renewals by requiring clearer written explanations, giving policyholders a chance to fix identified issues, and limiting non-renewals based on unreasonable grounds. The bill was supported by consumer advocates, fire survivors, local officials, and several organizations, while insurers said they had worked extensively with the author and were moving to neutral, though they still raised implementation and proprietary-information concerns. The committee voted to pass SB 1301 as amended to Appropriations, with the roll left open briefly before the bill was declared out.
SB 876 would overhaul wildfire and disaster claims handling by requiring updated replacement-cost estimates, stronger extended replacement-cost and building-code coverage options, faster status updates when adjusters change, and other consumer protections. Supporters included the Department of Insurance, United Policyholders, consumer groups, and local representatives, who argued the bill addresses underinsurance, delays, and inconsistent claims handling exposed by recent wildfires. Several industry groups said recent amendments resolved major concerns and moved them to neutral, while the California Fair Plan remained respectfully opposed pending further review. The committee approved SB 876 as amended to Judiciary, again leaving the roll open briefly before finalizing the vote.
The committee also took up a consent item, SB 536 by Senator Archuleta, which was approved unanimously to Appropriations. Other bills listed at the start of the hearing, SB 555 and SB 795, were pulled at the request of the authors and were not heard.
MN
Minnesota 2025-2026 Regular Session
Working Group on Omnibus Commerce and Consumer Protection Bill - 05/29/25
Minnesota Senate Floor Meeting
Transcript Highlights:
- National Council of Insurance National Council of Insurance Legislatures<00:05:47.680>
um - administrative costs of the insurance administrative costs of the insurance task<00:09:52.480>
- insurance policy per year.
- insurance policy per year.
- /c><00:25:57.520>
expedited commissioner to use the expedited commissioner to use the expedited
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/18/26
Commerce Finance and Policy
Transcript Highlights:
- Health insurance, housing, homeowners' insurance, auto insurance, and grocery bills are all places where
- I'm the deputy commissioner of insurance at the Department of Commerce, and I'm joined here by my colleague
- I'm the deputy commissioner of insurance at the Department of Commerce, and I'm joined here by my colleague
- commissioner, whoever. commissioner, whoever.
- Um, and fully insured and self-insured.
MN
Transcript Highlights:
to commissioner to commissioner welcome to commissioner to commissioner welcome to the<00:14:- Commissioner.
- Thank you, Commissioner. Questions from the commissioner.
- Chair and Commissioner.
- Chair, and to the commissioner. You Mr. Chair, and to the commissioner.
TX
Transcript Highlights:
- My name is Cassie Brown, and I'm the Commissioner at the **Texas Department of Insurance**.
- Brown and I serve as the Commissioner of Insurance.
- As Commissioner Brown mentioned, compared to the market, we are a small portion of the overall insurance
- Brown and I serve as the Commissioner of Insurance.
- Rates must be approved by the insurance commissioner.
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 04/14/26
Commerce and Consumer Protection
Transcript Highlights:
- insurance space. insurance space.
- Commissioner of Health with Commissioner Commissioner of Health with Commissioner of<01:48:16.880
- National Association of Insurance National Association of Insurance Commissioners.
- Commissioners. Commissioners.
- and authorizes the Commissioner to issue limited lines travel insurance producer licenses.
MN
Minnesota 2025-2026 Regular Session
Medical Assistance provider enrollment processes 2/26/26
Minnesota House Floor Meeting
Transcript Highlights:
- . commissioner to deliver correspondence commissioner to deliver correspondence and<00:09:19.440>
- of the commissioner. of the commissioner.
- subdivision two allows the commissioner subdivision two allows the commissioner to<00:11:15.839>
- insurance, employee dishonesty, cyber liability insurance.
- ,<00:23:19.039>
insurance cyber liability insurance, insurance cyber liability insurance,
MN
Transcript Highlights:
- showing that the unemployment insurance showing that the unemployment insurance appropriation<00
- >
and Commissioner of Education and Commissioner of Education and Commissioner,<00:38:11.839>< - Chair Youakim, any comments for the commissioner? Uh, thank you for your testimony, Commissioner.
- thank you, Commissioner. Thank you, sir. thank you, Commissioner. Thank you, sir.
- insurance for hourly school workers. insurance for hourly school workers.
Bills:
HF1388
Keywords:
BARR Center, Building Assets, Reducing Risks, education finance, school funding, grant appropriation, evidence-based program, student achievement, social and emotional learning, school climate, teacher effectiveness, high school graduation, students in poverty, students of color, BIPOC, equity in education, Minnesota Department of Education, urban schools, suburban schools, rural schools, school coaching
TX
Transcript Highlights:
- We deal with it. ...pay for the insurance.
- insurance costs are really, I mean, they're just going up, and the options of insurance companies to
- People cannot afford their insurance, property insurance, but yet they have a mortgage, so they have
- to have insurance.
- Courtney, Commissioner Yautman. Thank you, Cyrus.
Summary:
The Senate Committee on Nominations held its final nomination hearing of the session and considered three nominees: J.B. Goodwin for the Texas Real Estate Commission, Courtney Yaltman for the Public Utility Commission of Texas, and Thomas Gleason as PUC chairman. Goodwin described his long career in real estate and charitable work, and senators questioned him extensively about the Real Estate Commission’s self-directed, semi-independent status, housing affordability, institutional homebuyers, property insurance costs, disclosure issues, and the Burnett v. National Association of Realtors case. Yaltman and Gleason were questioned about PUC oversight of ERCOT, post-Winter Storm Uri reforms, utility resilience and vegetation management after Hurricane Beryl, water and telecommunications oversight, staffing and transparency, and rising infrastructure and utility costs.
Much of the discussion focused on housing and utility affordability, with several senators urging the nominees to keep consumer protection and public trust at the forefront. Goodwin said housing affordability and large-scale investment purchases were not within the Real Estate Commission’s direct purview, though he supported further study. Yaltman and Gleason said the PUC had increased oversight of ERCOT, improved communication and accountability with utilities, and was working on resiliency plans, rate-setting issues, and infrastructure planning while trying to avoid overburdening ratepayers.
The committee first voted to favorably report nominees left pending from the May 5 agenda by a 6-0 roll call vote. After public testimony was opened and closed, the committee then voted on the nominees heard that day and favorably recommended all three to the full Senate for confirmation by a 7-0 vote. The committee then recessed subject to the call of the chair.
AL
Transcript Highlights:
- It must approved by the commissioner.
- insurers reinsurance. insurers reinsurance.
- page three with the following insurance page three with the following insurance plan<00:18:09.200
- insurance dinner next Wednesday night. insurance dinner next Wednesday night.
- Um, it's a and and it's an insurance Um, it's a and and it's an insurance dinner<00:18:55.200>
Keywords:
police abuse registry, law enforcement registry, officer assault, assault on police, resisting arrest, battery on law enforcement, law enforcement injury fund, Back the Blue Act, Attorney General, clemency, pardon, commutation, rehabilitation costs, medical costs, public safety, criminal records, background checks, registry removal fee, privacy, due process