Video & Transcript : 'captive insurers' :

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ID

Idaho 2026 Regular Session

Agenda Jan 14th, 2026

Transcript Highlights:
  • That's largely because of the health insurance decrease.
  • How much exactly does the state spend on health insurance?
  • So how does the state determine its budget for health insurance?
  • Why would we be paying for insurance for somebody that's not using insurance?
  • flowing into the health insurance plan.
Keywords: 989, all
Summary: The committee received a broad budget overview from Legislative Services staff on the state’s fiscal position, focusing on the general fund, structural balance, cash reconciliation, and the governor’s budget recommendations for fiscal years 2026 and 2027. Staff explained that projected revenues are below the current budgeted level, creating a need for either budget reductions or the use of cash balances and reserve funds to maintain balance. They reviewed major drivers of spending growth over recent years, including Medicaid expansion, public schools, the State Public Defender, IT services, and water resources, and noted that these statutory and ongoing obligations are crowding out other spending. Members also discussed the governor’s proposed use of interest earnings and reserve balances from several funds, the Budget Stabilization Fund cap, and the policy question of whether changes to fund interest allocations would require legislation or could be handled through appropriation language. The committee also reviewed current-year adjustments, including supplementals, rescissions, deficiency warrants, and the governor’s proposed holdbacks. Specific items discussed included public school enrollment adjustments, the proposed rescission of Empowering Parents funding, Medicaid growth and provider rate changes, Department of Corrections costs tied to inmate placement and medical services, invasive species treatment funding, and a possible tax conformity impact tied to federal law changes. Members asked about fire suppression deficiency funding, the use of reserve balances, and the difference between current-law and governor-recommended spending levels. Staff emphasized that the governor’s budget relies on short-term money and reserve transfers to smooth the current deficit, while the legislature must decide whether to follow that approach or make deeper structural changes. Later, staff provided an overview of the budget hearing process and the Legislative Budget Book, explaining the standard reports, agency organization charts, fund analyses, performance measures, and five-year snapshots that committees will use during hearings. Another presentation clarified the difference between deficiency warrants and supplemental appropriations, noting that deficiency warrants cover certain last-year expenses authorized by statute, while supplementals adjust the current-year appropriation and can apply to general, dedicated, or federal funds. The committee then heard a detailed presentation on state health insurance costs, including rising medical claims, reserve balances, the 80/20 employee-employer cost split, and projected FY 2027 premium increases. Members asked about school district participation in the state plan, the role of the insurance carrier contract, and whether broader participation could lower costs. No votes were taken during the meeting, and the committee adjourned after the presentations and questions.
MO

Missouri 2026 Regular Session

General Laws Mar 4th, 2026

General Laws

Transcript Highlights:
  • So it's okay for the ownership groups to steer, just not the insurer?
  • No, well, because you just said the insurer can't steer them.
  • And a payer, is that the insurance company? It could be either.
  • It could be an insurance company, or it could be an individual.
  • But yes, that is, I'm here representing insurance companies.
Committee: House General Laws
Summary: The committee first met in executive session and approved HB 2468 and HB 2481. HB 2481 was amended to replace earlier federal-style language with the governor’s recommended definitions and executive-order language, then rolled into a committee substitute and passed out of committee on a 9-3 vote. The discussion on HB 2481 centered on SNAP-related definitions and whether the revised language would affect federal waivers or change food-stamp purchasing rules; the sponsor said it would not. The committee then moved to regular session. The main public hearing was on HB 3070, the Second Amendment Preservation Act. Representative Hardwick said the bill was revised to remove language the Eighth Circuit had found problematic, while keeping Missouri’s anti-commandeering approach and prohibitions on state or local participation in certain federal gun-control actions, such as firearm registries, tracking, and confiscation from law-abiding citizens. Members questioned whether the bill would interfere with task forces, federal cooperation, courthouses, FFL paperwork, or local officers sharing information with federal agents. Hardwick and supporters said it would not affect Missouri enforcement of state gun laws or cooperation on other crimes, and that the bill was intended to stop Missouri officers from being used to enforce specific federal gun-control measures. Supporters from the Missouri Firearms Coalition and a gun-rights advocate backed the bill and emphasized civil penalties and anti-commandeering protections, while an opponent from Moms Demand Action argued it would handcuff police, weaken interstate trafficking enforcement, and create a dangerous patchwork of enforcement. No vote was taken on HB 3070 in the hearing. The committee also heard HB 388, which would prohibit certain anti-competitive health-care contracting practices, including anti-steering, anti-tiering, gag clauses, and most-favored-nation clauses. The sponsor and supporting witnesses described the bill as an anti-consolidation measure intended to improve price transparency, preserve competition, and help consumers and insurers steer patients toward lower-cost providers. They said the bill would apply to both providers and insurers and would not be anti-hospital or anti-payer. Members asked about effects on rural access to care, 340B pricing, physician-owned referral arrangements, and whether the bill would actually lower consumer costs. Supporters said the goal was to give payers more negotiating leverage and ultimately benefit patients through more competitive pricing, but no action was taken during the hearing.
MN

Minnesota 2025-2026 Regular Session

House Health Finance and Policy Committee 4/8/26

Health Finance and Policy

Transcript Highlights:
  • </c> by offering competitive health insurance by offering competitive health insurance coverage.<00:09
  • </c> insurers can negotiate at lower rates. insurers can negotiate at lower rates.
  • </c> colleagues in states with insurance colleagues in states with insurance mandates<00:15:42.160><c
  • have insurance.
  • </c> increasing health insurance premiums. increasing health insurance premiums.
Bills: HF4609 , HF4401
LA

Louisiana 2026 Regular Session

Commerce Apr 7th, 2026

Commerce, Consumer Protection, and International Affairs

Transcript Highlights:
  • But did the insurance, in the incident that happened in your community, did their insurance pay for the
  • Did their insurance pay for the injuries?
  • I used to be on insurance.
  • IBHS is a nonprofit organization formed by the insurance companies and paid for by the insurance companies
  • Do you think that's the insurance company's job?
Summary: The committee met on April 7, 2026, and first handled several fire marshal-related bills. HB 917, a licensing and regulatory cleanup for life safety and property protection work, was amended with technical changes and reported favorably. HB 565 clarified that the State Fire Marshal, rather than local authorities, would handle fire safety inspections for early learning and child daycare centers; members adopted an amendment limiting the standards to state or federal codes and addressing ventilation and suppression requirements for small facilities, and the bill was reported favorably with amendments. The committee then took up HB 937, which would shift amusement ride setup inspections back to the State Fire Marshal, require licensing and insurance for rides and inspectors, and repeal provisions related to inflatable amusement devices. The author and fire marshal cited a serious festival ride accident in Pointe Coupee Parish as the impetus, and members discussed inspection timing, insurance costs, and whether background checks or public inspection certificates should be required. After technical and agreed-upon amendments, the bill was reported favorably. HB 799, a boiler inspection consolidation bill, was presented as a cleanup measure that would centralize boiler regulation under the fire marshal and rely on licensed inspectors meeting national standards. Stakeholders from industry and the fire marshal’s office described it as an efficiency and safety measure, and the committee adopted a substantive amendment on shutdown procedures and licensing details before reporting the bill favorably. HB 461, which would have allowed parishes and municipalities to adopt fortified roof standards, drew extensive testimony both for and against; supporters argued it could improve resilience and lower insurance costs, while opponents warned it would undermine Louisiana’s uniform building code, add cost, and create inconsistency. The author ultimately moved to voluntarily defer the bill. Finally, the committee began HB 977, a bill on minors’ use of applications that would require age verification, parental consent, and app store/developer safeguards. An amendment clarified definitions, consent rules, data-sharing limits, and a good-faith compliance defense. Members raised concerns about the 45-day cure period, the lack of a private right of action, and whether app stores would become gatekeepers, but the bill remained pending at the end of the excerpt.
US
Transcript Highlights:
  • He even went so far as to sign up to be an insurance salesman himself. Dr.
  • , not all insurers do. companies focus on the same things.
  • How many children losing health insurance? I don't want children losing health insurance.
  • I'm sorry, should insurance com- Should physicians- or insurance companies dictate the care that a patient
  • And that's the insurance sector and particularly marketing abuses.
Summary: The committee convened to discuss critical issues surrounding the nomination of Michael Falkender for the position of Deputy Secretary of the Treasury. This meeting included a series of remarks from committee members who expressed divergent views on Falkender's qualifications and the implications of his appointment. Senator Wyden voiced strong opposition, arguing that Falkender represents harmful policies expected to be perpetuated under the current administration, especially concerning taxpayer privacy and IRS tactics. Meanwhile, other members defended Falkender, noting his extensive experience, including a commitment to transparency in government operations if confirmed.
LA

Louisiana 2026 Regular Session

Senate May 28th, 2026

Louisiana Senate Floor Meeting

Transcript Highlights:
  • Seeing no questions, move to adopt without objection. piece of legislation I had this year an insurance
  • Louisiana Citizens Property Insurance Corporation.
  • House Bill 1199 by Representative Jordan is an act in Title 22 relative to health insurance.
  • Yes, this legislation came through insurance.
  • I sit on Senate Insurance, I mean on Senate Retirement.
Summary: The Senate convened with 26 members present, heard a prayer from Dr. Steve Horn, and recited the pledge. The chamber then handled messages from the House, including concurrence in SCR 83 and appointment of conference committee members on several disagreements. A number of Senate resolutions were introduced or adopted, mostly creating study task forces or commending individuals and organizations, including resolutions on energy infrastructure, breast pump access, insurance coverage for auto repairs, biomarker testing, higher education funding, public-private partnership contracting, and various commendations. Several resolutions were adopted without objection, while others were returned to the calendar or concurred in by recorded vote, including SCR 29 and SCR 33 with House amendments. The Senate also considered House and Senate bills and resolutions returned from the House, with many measures adopted or concurred in. Notable actions included concurrence in HCR 117 on homeowner insurance claims processes, adoption of HCR 5 on special red drum harvest permits, and passage of bills on TOPS Tech eligibility (HB 325), vapor product permitting (HB 623), ABLE/Tuition Trust administration (HB 749), design services contracting (HB 755), rare cancer advisory board composition (HB 761), non-emergency medical transportation reimbursement (HB 1028), public meeting notices (HB 1049), healthy food retail financing (HB 1194), genetic testing coverage for SCN2A disorders (HB 1199), grocery initiative grants (HB 1222, which failed), and a constitutional amendment on retirement debt repayment order (HB 27). The chamber also adopted HCR 95, creating a joint rule requiring a fiscal review of certain tax measures for sales and use tax uniformity. Several measures drew extended debate. HB 181, which would allow the legislative auditor access to Medicaid and SNAP-related tax information for eligibility verification and fraud review, prompted concerns about privacy and scope but ultimately passed 26-8. HB 1220 on the State Board of Medical Examiners generated amendment discussion about board composition and transparency, including live video broadcasting of meetings, but was returned to the calendar before final action. HB 1018, creating a temporary local moratorium on certain alcohol permits in one Shreveport district, passed after discussion about broader policy solutions. The Senate then recessed for lunch at 2 p.m. after completing the subject-to-call list for the morning session.
AR

Arkansas 2026 Regular Session

ALC-PEER Mar 17th, 2026

ALC-PEER

Transcript Highlights:
  • The state insurance adjuster calculated the cash value to be $1.82 million.
  • We’re going to get this money back from the insurance.
  • No, this is not through the new insurance policy through the state.
  • This was through the older insurance plan that has now been consolidated.” “Yes.
  • That’s a standard insurance policy.
Committee: All ALC-PEER
Summary: The committee considered a series of appropriation, transfer, and review items, approving most requests in Sections B through J. These included temporary appropriations for state technology upgrades, personnel management, court reporters and interpreters, crime victim claims, juvenile sex offender assessments, radiation lab testing, higher education workforce grants, an ARPA grant for the UAFS LPN program, an IIJA grant for geological/critical minerals work, a restricted reserve transfer for 102 State Police vehicles, a transfer to the Arkansas Heroes Program, several cash fund requests for the Real Estate Commission HVAC and AV needs, and overtime appropriations for Emergency Management and Military. One budget classification transfer request from the Commissioner of State Lands for $250,000 to cover operating expenses tied to a new building was discussed at length but failed on the vote after questions about the lease and operating costs. A major portion of the meeting focused on a $25.7 million pay plan appropriation request for 15 agencies. Members questioned why the Department of Human Services had not requested additional pay-plan dollars for human development centers, where DHS acknowledged staffing shortages, high turnover, and heavy overtime but said the issue was not lack of pay-plan funding. DHS was asked to provide a written plan to address staffing problems. The Department of Corrections testified that the pay plan had improved retention and hiring, and committee members asked for follow-up data on vacancies and staffing outcomes. Members also clarified that the pay-plan request was appropriation only, not new funding, and approved it. The committee then reviewed fund reports, including the restricted reserve, Budget Stabilization Trust Fund, Tobacco Settlement, State Central Services, Education Adequacy, Medicaid Trust Fund, IIJA, and Revenue Services transfer reports. DHS and DFA were questioned closely about the Medicaid Trust Fund, with members noting a $90 million February draw and asking about projected year-end balances; DFA and DHS said February was a high-expense, low-revenue month and projected the fund would remain solvent through the fiscal year, ending between $150 million and $200 million, while a second $100 million set-aside is planned for FY27. The committee also discussed a state hospital damage report, where DHS explained that insurance proceeds would not fully cover the repair costs because of depreciation and the age of the buildings; members expressed concern that the state would recover far less than originally expected, and DHS said any additional insurance recovery would be limited and returned to restricted reserve.
CA

California 2025-2026 Regular Session

Assembly Health Committee Jun 30th, 2026

Transcript Highlights:
  • You know, we can all agree that health insurance is extremely expensive and health insurance premium
  • My name is Miguel Bastides with the California Department of Insurance, here on behalf of Insurance Commissioner
  • They rely on insurance brokers and agents and related professionals to recommend insurance carriers and
  • They rely on insurance brokers and agents and related professionals to recommend insurance carriers and
  • They rely on insurance brokers and agents and related professionals to recommend insurance carriers and
Summary: The Assembly Health Committee heard several measures, beginning with SB 331 by Sen. Menjivar, which would require large-group health plans to cover hearing aids for children. The author and supporters described the bill as a long-running effort to address a developmental emergency and reduce out-of-pocket costs for families, while opponents were absent. Testimony from parents, advocates, medical experts, and organizations emphasized the importance of early access to hearing aids; committee members voiced strong support, and the bill was moved on a do-pass basis to Appropriations, with several members requesting to be added as coauthors. The committee then heard SB 608, also by Sen. Menjivar, to expand access to condoms in school-based health centers and related settings and to prevent barriers such as ID checks. Supporters, including students and school health advocates, argued the bill would improve sexual health and reduce stigma, while opponents from family and faith groups argued it would undermine parental authority and normalize early sexual activity. The bill was supported by committee members and moved forward on a do-pass basis to Appropriations. Next, SB 971 by Sen. Choi proposed community-based healthy aging partnerships for older adults, with testimony from the California Senior Legislature and supporters from aging and dementia organizations. The measure was described as voluntary and focused on connection, independence, and local collaboration; there was no opposition, and the committee moved it on a do-pass basis to Appropriations. The committee also heard SB 869 by Sen. Weber Pierson, which would require warning icons and statements on chain restaurant menus for beverages with very high added sugar content. Supporters framed it as a transparency and public health measure, while restaurant and beverage industry representatives opposed it unless amended, citing cost and menu-space concerns; the bill was nevertheless moved on a do-pass basis to Appropriations after a roll call vote, with some members voting no and the measure placed on call. The committee also considered SB 950 by Sen. Weber Pierson, aimed at ensuring timely coverage of FDA-approved, medically necessary treatments for early-onset Alzheimer’s disease on commercial plans. Supporters, including the Alzheimer’s Association and a patient advocate, said the bill would reduce delays and barriers to care, while health plan representatives opposed it over step therapy and utilization-management concerns. Members discussed the limited treatment window and the need for early access, and the bill was moved on a do-pass basis to Appropriations. In addition, SB 490 by Sen. Umberg would set timelines for DHCS investigations of unlicensed sober living homes and allow counties to assist if the department cannot act in time; supporters from Anaheim and a patient-brokering survivor described serious abuse and oversight gaps, while county behavioral health representatives opposed the county role as an unfunded and potentially liability-creating burden. After discussion, the bill was also moved on a do-pass basis to Appropriations. Finally, the committee began hearing SB 1037 by Sen. Weber Pierson on health insurance affordability and rate review, with supporters arguing it would tie premium increases more closely to affordability targets and public reporting; the transcript cuts off before the committee completed action on that measure.
MN

Minnesota 2025-2026 Regular Session

Committee on Commerce and Consumer Protection - 04/01/25

Commerce and Consumer Protection

Transcript Highlights:
  • So I was seeking out new insurance in October this year, found an insurance company that was going to
  • /c> found an insurance company that was found an insurance company that was going<00:58:43.520><c> to
  • </c> going to cover home and auto insurance going to cover home and auto insurance um<00:58:46.960><c
  • </c> that's actually looking for uh insurance that's actually looking for uh insurance coverage<01:05
  • :11.120><c> when</c> you would lose your auto insurance when you would lose your auto insurance when
Keywords: 1187, senate, all
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Labor and Workforce Development Jun 21st, 2026 at 11:00 am

Joint Committee on Labor and Workforce Development

Transcript Highlights:
  • There's only three insurance companies in the state that will insure us.
  • My insurance broker said our insurance will probably be in the range of $250,000 more than we're currently
  • This is, again, causing, like Doug said, insurance rates to skyrocket, and many insurance companies are
  • We've had a problem with liability, and so my insurance company at that time would not insure any of
  • They had about 25 different contractors, a couple of insurance agents, but this is the insurance industry
Keywords: 995, all
Summary: The Joint Committee on Labor and Workforce Development held a hybrid hearing on a large group of bills carried over from the previous session, with Chair Jake Oliveira and House Co-Chair Paul McMurtry outlining the process and limiting testimony to three minutes. The committee heard testimony on several labor and workplace proposals, including bills to harmonize employee definitions to address misclassification (SB 1338/HB 2141), expand bereavement leave (including H. 2189/S. 1354 and related bills), protect collective bargaining rights for certain administrative employees (HB 268/SB 1306), expand commuter transit benefits (HB 2153/SB 1345), regulate employer use of credit reports (S. 1286), and require apprenticeship participation or OSHA-related workplace safety measures on public projects. At the end of the hearing, the chairs read into the record additional bills that did not receive testimony that day. Supporters of the misclassification bill, including Greater Boston Legal Services and the AFL-CIO, said aligning the employee-status tests across wage, unemployment, and PFML laws would reduce confusion, improve enforcement, and help workers wrongly treated as independent contractors or managers recover benefits and bargaining rights. NAGE and its representative argued that public-sector employees have been improperly reclassified into management titles to weaken unions, and that the bill would force the Division of Labor Relations to review those titles. On bereavement leave, advocates including the Louis E. Brown Peace Institute, a state representative, the Massachusetts Office for Victim Assistance, and individual survivors described the impact of sudden loss and homicide on families, saying guaranteed leave would help workers grieve, make arrangements, and avoid losing jobs or custody-related stability. The committee also heard support for commuter benefits as a low-cost way to reduce emissions and increase transit use, and for restricting employer credit checks because of inaccuracies and discriminatory effects. There was opposition to some construction-related bills. The Associated Builders and Contractors and the Building Trades Employers Association supported apprenticeship training in principle but said current apprentice-to-journeyworker ratios are outdated or misunderstood, and that the bills should be amended or clarified before advancing. The Massachusetts landscape and snow-removal industry strongly supported a snow-liability limitation bill, arguing that hold-harmless clauses and broad indemnification requirements force contractors to assume liability for conditions they cannot control, drive up insurance costs, and threaten business viability. The committee did not take any votes during the hearing, and the session ended with the chairs thanking members, staff, and the public before adjourning.
WA

Washington 2025-2026 Regular Session

House Health Care & Wellness Jan 28th, 2026

Transcript Highlights:
  • “People with chronic conditions badly need comprehensive health insurance.
  • But when insurers flood the market with endless choices, we all lose something.
  • People with chronic conditions badly need comprehensive health insurance.
  • But when insurers flood the market with endless choices, He said that when insurers flood the market
  • of Benefit and Insurance Professionals.
Summary: The House Health Care & Wellness Committee held public hearings on HB 2564 and HB 2599, then moved into executive session on several bills. HB 2599, which would restrict the use of AI in therapy and psychotherapy services, drew strong support from the prime sponsor, mental health professional groups, a privacy advocate, and an AI ethics researcher, all of whom warned that chatbots can mislead users, encourage delusions or self-harm, and lack licensure, accountability, and confidentiality protections. Several witnesses from health systems and telehealth organizations supported the bill’s intent but asked for narrower definitions and amendments to avoid unintended impacts on clinician-supervised tools, screening questionnaires, scribes, and other legitimate uses of AI. No vote was taken on HB 2599 during the hearing. HB 2564, which would give the Health Benefit Exchange authority to adopt market-factor certification criteria for exchange plans, was presented as a way to address affordability, bare counties, and plan duplication. Supporters included the Exchange, consumer advocates, rural and tribal representatives, navigators, and some individual consumers, who said the bill could improve access, preserve bronze plan availability, and help stabilize the market in counties with too few carriers. Opponents from health plans, Regence, Premier, and insurance producer groups argued the bill would expand exchange authority without clear standards, could reduce competition and carrier participation, and might conflict with existing OIC filing and confidentiality processes; the OIC supported the bill but requested an amendment on rate disclosure timing. The committee then moved to executive session and later reported out HB 1784, HB 2242, HB 2384, and HB 2505 with due pass recommendations, while deferring action on HB 1809 and HB 2261. In executive session, the committee adopted a substitute for HB 1784 on certified medical assistants by an 18-0 vote, adopted one amendment and passed a substitute for HB 2242 on preventive services and immunization recommendations by an 11-7 vote, and passed a substitute for HB 2384 on actuarial reviews for continuing care retirement communities by a 16-2 vote. It also adopted an amendment and passed a substitute for HB 2505 on limited adult family home licensure exemptions for certain foster family situations by an 18-0 vote. The meeting adjourned after those actions.
MN

Minnesota 2025-2026 Regular Session

Commerce Committee Meeting - 2025-03-27

Commerce Finance and Policy

Transcript Highlights:
  • Almost all other states have already adopted these changes to their insurance regulations.
  • But this is the other thing. is from the insurance industry.
  • And you may not get the physical policy, but the insurance company says you're covered.
  • I don't know if that's what we're calling it, but did the insurance companies contact you?
  • If the insurance company chooses not to insure the institution, is that going to be a problem?
Bills: HF2601 , HF2607 , HF2027 , HF2608
LA

Louisiana 2026 Regular Session

Insurance Apr 29th, 2026

Insurance

Transcript Highlights:
  • This instrument provides relative to insurance coverage.
  • But kind of like when auto insurance and further crises that we've seen in insurance, we have boards,
  • costs, whether it's auto insurance, home insurance, or medical insurance, which this is the driving factor
  • in our medical insurance premiums as we sit today. ...driving the driving factor in our medical insurance
  • We heard testimony in insurance.
Committee: House Insurance
Keywords: 965, house, all
AR
Transcript Highlights:
  • I'll get you an insurance card.
  • What they'll do is they'll then contact their insurance agency, or a insurance agency, take out a policy
  • They never have health insurance.
  • If I could, so private health insurance is my department. That's our insurance department.
  • insurance against that.
Keywords: 1204, all
MO

Missouri 2026 Regular Session

Transportation Feb 10th, 2026

Joint Committee on Transportation Oversight

Transcript Highlights:
  • I'm an independent insurance agent and owner of Walker Professional Insurance.
  • They're going to have insurance in place because Missouri wants them to have insurance in place in case
  • I mean, we're becoming self-insured because we can't get insurance because the premiums are getting outrageous
  • Becoming self-insured because we can't get insurance because the premiums are getting outrageous.
  • Everyone has to have insurance.
Summary: The Transportation Committee heard House Bill 2926, which would extend sovereign or derivative immunity and a liability cap to private contractors, subcontractors, and employees working on Missouri Department of Transportation projects. The sponsor and supporters said the bill is intended to protect contractors from being named in lawsuits before they begin work, and to limit exposure when they are following MoDOT plans and specifications, arguing that contractors are often sued as “deep pockets” even when they did nothing wrong. Several members pressed the sponsor on the bill’s wording and timing, noting confusion over whether immunity applies only before work begins or throughout the project and after completion. Supporters, including representatives from asphalt, construction, insurance, and business groups, said the current system drives up insurance costs, increases legal expenses, and discourages firms from taking roadwork jobs. They cited examples of contractors being sued before starting work or after following approved traffic-control plans, and argued that the bill would align Missouri with other states that provide similar protections. Opponents, including trial attorneys and injured workers and family members, argued that the bill would improperly extend government immunity to private businesses, reduce accountability, and limit recovery for seriously injured people. They said existing tort law already protects non-negligent actors and warned that the bill could make it harder for injured parties to find counsel or recover full damages. Testimony also focused on the $500,000 state liability cap, with opponents calling it too low and supporters saying it is already the standard for public entities and should apply to contractors acting on the state’s behalf. Several witnesses described tragic crashes and work-zone incidents on MoDOT projects, while others emphasized that distracted drivers, not contractors, often cause the accidents. The hearing ended without a vote; the committee took only testimony and then adjourned after hearing from both proponents and opponents.
CA
Transcript Highlights:
  • It also contained an explanation of how public agencies secure insurance coverage or provide for self-insurance
  • It may be self-insurance, but some form of insurance.
  • It may be self-insurance, but some form of insurance.
  • There are also limits on each tranche of insurance.
  • That's about $300,000 more for insurance. And this all came about through the insurance crisis.
Summary: The Assembly Budget Subcommittee on Accountability and Transparency held a hearing focused on three issues: federal funding cuts and delays, possible state revenue impacts from reduced IRS enforcement, and the fiscal effects of AB 218 on local governments. The Franchise Tax Board described how state and federal tax systems are closely linked, how most returns are filed electronically through software, and how FTB relies on IRS information sharing for compliance, fraud prevention, offsets, and nonfiler work. Members raised concerns that federal staffing cuts at the IRS could weaken audits of large corporations and reduce California revenue, and asked about VITA and ITIN filers; FTB said it was not aware of VITA reductions, noted ITIN returns are processed the same as other returns, and said ITIN filing appeared slightly down this year. The Department of Finance said it is monitoring federal developments, summarized the continuing resolution and reconciliation process, and noted that California lost nearly $940 million in earmarked federal projects under the CR, while major federal budget decisions remain uncertain until the President’s budget and later congressional action. The University of California reported substantial federal pressure on research, student aid, and health care. UC said hundreds of millions of dollars in federal awards have already been canceled, with additional threats to NIH and DOE facilities-and-administration rates, graduate fellowships, student loan repayment plans, international student visas, Pell Grants, and Medicaid/Medi-Cal funding. Committee members pressed UC on the effects of DEIA-related federal restrictions, the loss of clinical trials and research staff, and the impact on low-income students and patients. UC said it is pursuing litigation with the Attorney General and other institutions, but emphasized that court action is only a temporary solution and that sustained state and private support may be needed. The second panel addressed the fiscal consequences of AB 218, which extended the statute of limitations for childhood sexual abuse claims against public agencies. FCMAT presented a report with 22 recommendations, including better statewide data collection, financing mechanisms, a possible victims compensation fund, and prevention measures. Los Angeles County described a tentative $4 billion settlement tied to AB 218 claims, saying it will require reserves, borrowing, and long-term annual payments through 2050, while also forcing curtailments and cuts to vacant positions to preserve services. Members discussed insurance pools, retroactive premiums, unidentified future claims, and the need for a compensation fund or other financing tools. No formal votes were taken; the hearing concluded with public comment, including testimony from local health officials about nearly $400 million in terminated federal public health grants and the resulting layoffs and service impacts.
LA

Louisiana 2026 Regular Session

Labor and Industrial Relations Mar 26th, 2026

Labor & Industrial Relations

Transcript Highlights:
  • Clyde Bone from professional insurance agents, Gary Padereau from Louisiana Association Self-Insured,
  • , and self-insured funds.
  • funds, and insurance carriers.
  • , and self-insured funds.
  • funds, and insurance carriers.
Keywords: 965, house, all
Summary: The committee first took up House Bill 680 by Representative Weibel, which would modernize Louisiana’s workforce development system by consolidating strategy and administrative functions at the state level while preserving local input. After adopting two sets of technical amendments and a larger amendment package that added a transition advisory team, consultation requirements with local workforce partners, and other planning and governance changes, the committee heard extensive testimony from the author, the Secretary of Louisiana Works, parish and local workforce representatives, and a witness from Utah describing that state’s consolidation experience. Supporters said the bill would reduce overhead, direct more money to training and services, improve coordination, and better align workforce programs with regional labor needs, while several members pressed for assurances that local boards, parishes, cities, and small businesses would remain involved. The committee ultimately adopted the amendments and reported HB 680 favorably with amendments. The committee then heard House Bill 780 by Representative Furman, a workers’ compensation bill aimed at reducing litigation and speeding dispute resolution. After adopting technical amendments and a separate amendment set allowing authorized agents or attorneys to prepare certain notices, members also adopted a committee amendment deleting a statutory definition of “arbitrary and capricious” after concerns were raised that the language could create confusion or conflict with existing jurisprudence. The author and supporting attorneys argued the bill would restore an expedited preliminary determination process, create a single standard for attorney fees, and reduce costs for employers by limiting unnecessary litigation and delays. They said the changes would not affect an injured worker’s choice of physician or existing penalty provisions, and that the bill mainly addressed notice and dispute procedures. Opponents, including attorneys representing injured workers, argued the bill would make it harder for workers to recover penalties and attorney’s fees when benefits are delayed or denied, and said the new standard could favor insurers that are understaffed or slow to process claims. They also criticized the shift from reasonableness to a more restrictive standard and raised concerns about delayed payments and the lack of transparency around defense costs. After hearing testimony from both sides, the committee continued discussion of the bill with these issues still under consideration.
FL

Florida 2026 Regular Session

February 26, 2026 - 03:30 PM

Commerce Committee

Transcript Highlights:
  • Certificate of authority under the Florida Insurance Code.
  • We license insurance companies in the state of Florida.
  • We license insurance companies in the state of Florida.
  • Florida Insurance Code that apply to claims handling.
  • has a good handle on how AI is used by insurers.
Summary: The committee first heard CS/HB 1263 on insurance regulation. The sponsor said the bill would strengthen the Office of Insurance Regulation’s tools to oversee property and auto insurance markets, including market conduct and solvency exams, mitigation discounts, storage of mitigation inspection forms, and clearer oversight of pharmacy benefit managers. An amendment narrowing fingerprinting requirements was adopted, and the bill passed favorably after supportive testimony from OIR and others. Members then considered CS/HB 527, which would require a qualified human review before an insurance claim can be denied or reduced when artificial intelligence is used in the process. After an amendment removing the word “algorithm” was adopted, insurers and trade groups testified in opposition, arguing current law already covers claims handling and that the bill could create duplicative work and slow innovation. Supporters, including a consumer and labor representative, said human judgment is needed to protect claimants. The bill passed favorably. The committee also approved CS/HB 637 on farm equipment “lemon law” rights, with an amendment clarifying consumer definitions, refund rights, repair-period extensions, and a July 1, 2026 effective date. CS/HB 107 on data centers also passed after an amendment narrowing the five-mile siting restriction to data centers over 50 megawatts and adding noise-study requirements; business groups supported a framework but opposed the NDA ban and siting limits, while several members raised competitiveness and local-impact concerns. Later, the committee passed CS/HB 1291 on NICA funding and solvency, CS/HB 185 on a sales tax exemption for home-hardening products, CS/HB 425 on historic African-American cemetery preservation, CS/CS/CS/HB 1177 on Space Florida and spaceport operations, CS/CS/CS/HB 657 on community associations and HOA/condo reforms, and CS/CS/HB 1221, the DFS package. The final major item discussed was CS/HB 1001 on local government DEI restrictions, which drew extensive questioning about definitions, exceptions, cultural and religious observances, advisory councils, and contracting rules; the transcript cuts off before the bill’s final disposition.
TX

Texas 89th Regular

Judiciary & Civil Jurisprudence May 7th, 2025

Judiciary & Civil Jurisprudence

Transcript Highlights:
  • If they choose not to use insurance or they're unable to use... ...insurance, then let's let the jury
  • insurance and letting the insurance file their liens in these cases is a much better idea.
  • So when you have insurance, the insurance pays some, you pay some.
  • So we're taking an insurance form and making a doctor fill out an insurance form or meet the elements
  • Well, why didn't you use your insurance?
Bills: HB4806
ID

Idaho 2026 Regular Session

Agenda Mar 24th, 2026

Transcript Highlights:
  • We've had private insurance for 20 years, so we have a $10,000 deductible.
  • Then you, as an individual, submit that insurance claim to your insurance company, and then the insurance
  • Insurance companies?
  • Does the insurance company recognize six against your deductible?
  • The insurance company would recognize the four—just what you paid.
Summary: The Senate Commerce Committee first approved the March 17, 2026 minutes and then reconsidered House Bill 750, the “programmable money” bill. Members debated whether to reopen the prior vote, with some senators objecting that the bill had already received a full hearing and others saying additional information on UCC issues and member absences justified reconsideration. The motion to reconsider passed, Representative Heather Scott explained that the bill is intended as the Consumer Payment Rights and Transparency Act and that LSO/UCC review indicated it does not conflict with the Uniform Commercial Code. After discussion, the committee voted 6-3 to send HB 750 to the Senate floor with a due pass recommendation. The committee then heard House Bill 721, which would allow school districts to advertise for construction bids while permitting is still pending and would create a 30-day initial permit review timeline for public works. The sponsor and an Idaho Associated General Contractors representative said the bill would reduce delays and align school construction with other public works projects; no opposition was noted. The committee unanimously sent HB 721 to the floor with a due pass recommendation. Members also heard House Bill 931, a trailer bill to HB 645 that removes an unnecessary reference to the Department of Insurance in the portable benefits plan law, and HB 931 was sent to the floor with a due pass recommendation. House Bill 929, sponsored by Representative Aaron Bingham, would let insured patients negotiate cash prices with providers before services are rendered and require insurers to count the negotiated amount toward the patient’s deductible and out-of-pocket maximum. Bingham said the bill is meant to lower health care costs, especially for people with high deductibles, and that industry had not opposed it. Some senators questioned how the bill interacts with insurance contracts and the hold-harmless clause, and Senator Lakey said he was concerned about the bill directing private-sector arrangements, but the committee still approved the motion to send HB 929 to the floor with a due pass recommendation. At the end of the meeting, Senator Zito attempted to bring House Bill 745 back before the committee, but the chair ruled the motion out of order because a bill held in committee cannot be overridden that way, and the committee adjourned.