Video & Transcript Research : 'rate deviations'
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KY
Kentucky 2025 Regular Session
House Standing Committee BR Sub. on Health & Family Services (2-19-25)
Transcript Highlights:
- We calculated that rate to be $885, so again, that rate is more than what the benchmark rate would have
- We calculated that rate to be $885, so again, that rate is more than what the benchmark rate would have
- We calculated that rate to be $885, so again, that rate is more than what the benchmark rate would have
- I want to reiterate that the rate study results are the rates reported, the rates that it would take
- rates you know each rate study for each rates you know each rate<00:52:47.200>
so <00:52:47.400
Summary:
The Budget Review Subcommittee on Health and Family Services met with a quorum still coming together and first handled roll call and minutes. The main presentation came from the Department for Medicaid Services, with Commissioner Lisa Lee and CFO Steve Beckle giving an overview of Kentucky Medicaid, its federal-state financing structure, and the department’s 1915(c) home- and community-based waiver programs. They explained FMAP funding levels for traditional Medicaid, administration, IT, expansion adults, and CHIP, and noted the size of the program, including more than 600,000 Kentucky children eligible for Medicaid or CHIP, about 485,000 expansion adults, over 69,000 enrolled providers, and $18.5 billion in 2024 expenditures.
A major focus was the waiver system, including the acquired brain injury waivers, model waiver, independence waiver, Michelle P. waiver, and Supports for Community Living waiver. The department said these waivers are intended to keep people with physical or developmental disabilities in home and community settings rather than facilities, and that many services are not covered by Medicare or commercial insurance. Officials described participant-directed services, interagency administration, and eligibility rules, including that some waiver programs use the child’s income only rather than family income. They also reported an unduplicated waiver wait list of 13,930 people and said the General Assembly had added waiver slots in the last budget, including 650 ABI slots and 1,275 more to be allocated July 1, 2025.
The department also discussed a waiver rate study conducted by Guidehouse, explaining that CMS requires a defensible rate methodology because there is no Medicare or commercial benchmark for many waiver services. They said the study used cost and wage surveys, provider and stakeholder input, and aimed to improve transparency, provider stability, and rate parity. Officials reviewed prior COVID-era Appendix K rate increases and budget-driven increases, and said the budget ultimately funded rates at about 70% of the benchmark study, while preserving higher existing rates where needed so no provider would be cut. They highlighted larger differences in behavioral support and case management rates, and said a public report is available.
Members asked several questions about the potential impact of federal FMAP changes, especially possible reductions in the enhanced match for expansion adults and Medicaid IT/admin activities. DMS said any FMAP reduction would require more state general fund dollars, estimating about $75 million for each 1% drop in the expansion match, while impacts on administrative IT funding would depend on the systems being built or implemented in a given year. Members also pressed for clarification on waiver wait-list procedures, funded versus filled slots, and what happens when someone on the wait list is later found ineligible. DMS said people on the wait list may not yet have been assessed, can be reevaluated if conditions change, and are still eligible for regular Medicaid state-plan services if they qualify, even if they are waiting for waiver services.
WA
Transcript Highlights:
- the actuarial contribution rates.
- rates on the prior slide.
- rate column, the PERS employer rate reflects an underlying minimum rate of 4.6%.
- We saw that for PERS, where the combination of the minimum rate... ...2027–2029 biennium rates.
- This would invite a motion to adopt the rates. I make a motion to adopt the rates. Thank you.
Summary:
The Pension Funding Council met on June 23, 2026, for a work session that began with an overview of the Higher Education Supplemental Retirement Plan (SRP) and a 2025 accounting valuation of that plan. Staff explained that the SRP is a closed defined benefit supplement for higher education employees hired before the 2011 closure, with employer contributions currently pre-funding benefits in institution-specific trusts while institutions still pay benefits on a pay-as-you-go basis. The State Actuary’s office reported that the plan’s accounting position has improved, with combined market assets of about $245 million against $377 million in accrued liability, and that strong market performance since 2022 has increased the asset-to-liability ratio. The office emphasized that this was an educational accounting valuation, not a funding valuation for rate-setting.
The council then received the 2025 actuarial valuation report for the state retirement systems. Actuaries reviewed the recent demographic experience study, noting updated assumptions for mortality, retirement, termination, and salary growth, and said the net impact on most plans was small. They reported that most plans’ funded ratios improved, with all plans at least 94% funded and several at or above 100%, and that contribution rates for the 2027–2029 biennium are generally lower than current rates. They also noted that future rates could be affected by market volatility as deferred gains are recognized over the next few years. During public comment, a representative of the Association of Washington Cities urged the council to consider rate reductions to help local governments facing budget pressures.
In executive session, the council first approved a motion directing the Office of the State Actuary to perform an actuarial evaluation and analysis of each institution’s Higher Education Supplemental Retirement Plan, including institution-specific contribution rates, asset sufficiency, and funding policy options, due by July 1, 2028. The council then adopted the 2027–2029 pension contribution rates based on the 2025 actuarial valuation report. Both motions passed 5-0, with one member excused. The meeting concluded with no further business.
WA
Washington 2025-2026 Regular Session
Pension Funding Council Jun 23rd, 2026 at 02:00 pm
Pension Funding Council
Transcript Highlights:
- , and gave future rate-setting authority to the Pension Funding Council. ...and gave future rate-setting
- rates on the prior slide.
- rate column, the PERS employer rate reflects an underlying minimum rate of 4.6%.
- We saw that for PERS, where the combination of the minimum rate... ...2027-29 biennium rates.
- This would invite a motion to adopt the rates. I make a motion to adopt the rates. Thank you.
OR
Oregon 2026 Regular Session
House Interim Committee On Health Care 06/16/2026 2:30 PM
Transcript Highlights:
- That kicks off our rate-setting process. So 2025 is the basis for 2027 rates.
- for 2027 rates.
- for 2027 rates.
- year 2027 rates.
- So for 2027 rates, OHA is moving to release the rate model on August 12th to provide 21 2027 rates.
Summary:
The committee held an informational hearing focused first on Oregon Medicaid coordinated care organization (CCO) finances and rate setting. Oregon Health Authority staff explained how 2025 CCO financial results will inform 2027 capitation rates, including reserve requirements, subcapitation arrangements, and major cost drivers such as behavioral health, pharmacy, rural hospital costs, and dental directed payments. They said the Legislature’s added 2025 funding materially improved CCO margins and that, without it, the program would have been negative overall. Members asked about retained earnings, subcapitation, behavioral health utilization, ABA therapy, and whether outcomes are being evaluated; OHA said rate setting is actuarial and that CCOs, OHA, and other partners all play roles in monitoring efficacy and access. OHA also reviewed House Bill 4039 changes intended to increase transparency and give CCOs earlier access to rate information and reconciliation exhibits.
CCO representatives then testified that the system is under significant financial pressure and that behavioral health state-directed payments, benefit changes, and federal uncertainty from H.R. 1 are reducing flexibility. CareOregon said it has lost more than $500 million over the last couple of years and is now making provider terminations and other network changes to align spending with available funding, while emphasizing that CCOs must make hard decisions about which services and providers can be sustained. Eastern Oregon CCO said rural and frontier factors, cost-based hospitals, air ambulance needs, and statewide efficiency adjustments are not fully reflected in rates, and that dental funding is especially strained. Trillium similarly warned that state-directed payments and benefit expansion pressures are constraining the global budget model and that H.R. 1 could worsen acuity and volatility. Members pressed the witnesses on who is responsible for evaluating treatment effectiveness, especially for ABA and psychotherapy, and on how utilization limits and reimbursement changes are being used to control costs.
The committee then shifted to an overview of the Affordable Care Act and Oregon’s commercial insurance market. Department of Consumer and Business Services staff explained actuarial value, metal tiers, premium tax credits, medical loss ratio rules, and the main drivers of premium rates: cost trend, utilization trend, and administrative costs. They said mandates have likely added only a limited amount to premiums over the past decade, though the exact effect is difficult to isolate, and they gave examples of how high-cost, low-volume services versus broad, high-utilization services can affect rates differently. Staff also noted that Providence Health Plan and PacificSource Health Plans are withdrawing from the individual market, though consumers should still have at least three insurer options in every county and may have four in many counties. The division said it is in the middle of reviewing proposed 2027 rates and will continue its public rate review process, including hearings and written comment.
ND
North Dakota 2025-2026 Regular Session
House Appropriations - Human Resources Division Apr 8th, 2025 at 03:00 pm
Appropriations - Human Resources Division
Transcript Highlights:
- Any questions on the rates, committee? Any questions on the rates, committee?
- How do you establish a rate, a leave day rate that might be different than the full rate?
- It's different than the flat rate. It's a little more complicated than the flat rate.
- We work on their rates in December for a January 1 rate year. And just, Mr.
- One flat rate would be preferable if you're going to do a flat rate. One flat rate.
Summary:
The committee first took up Senate Bill 2399, concerning therapeutic leave days for psychiatric residential treatment facilities (PRTFs). Sarah Aker from the Department of Health and Human Services explained the current Medicaid rate-setting methodology, how occupancy affects rates, and why paying the full rate for leave days would create additional fiscal impact. Members debated whether the bill should pay the full Medicaid rate, a flat reduced rate, or a tiered rate, and discussed whether a cap or department authorization should be used to control use of leave days. The department said it was not supporting the change as it was not in the governor’s budget, though it supported family engagement in care.
After discussion, the committee settled on a compromise motion to set therapeutic leave days at a $500 daily rate and require department authorization of the number of leave days. The motion passed 6-2, with Representative Anderson voting no and the rest of the recorded members voting yes. The committee then moved on to Department of Corrections and Rehabilitation budget materials, where Michelle Zander walked through detailed population and rate calculations for women’s and men’s facilities, county holds, deferred admissions, transitional facilities, work release, and proposed reentry, man camp, and Grand Forks-related costs. Members asked about the county jail reimbursement rates and the overall pool of funds, and Zander explained the calculations and noted the proposal was roughly break-even depending on assumptions.
The committee also heard an overview of DOCR IT requests from Amy and NDIT staff, including data processing, medical modules, a new client management system, body scanners, data management tools, facility management software, medical software upgrades, college solutions, and body cameras/tasers. Staff explained that the new client management system would likely be a multi-phase project with a wide cost range based on vendor selection and scope, and that the current request was for phase one. Members emphasized the importance of better data tracking, staff safety tools, and information that could help explain programming and release outcomes to the public. The committee planned to continue with Veterans Affairs the next day and then return to Senate Bill 2015.
TX
Transcript Highlights:
- than 10% from a previously filed rate.
- than 10% from previously filed rate.
- Right now, it's a process where they get to file the rates, use those rates, and then they are scrutinized
- And yes, rates have continued to go up, but just because rates are going up does not mean that the system
- rates for their policies.
Summary:
The committee first took up several bills and voted them out favorably without amendment: SB 2857, relating to prescription drug purchasing proof for certain health benefit plan issuers and employers; SB 1307, relating to the biennial health coverage reference guide; and SB 527, relating to health benefit coverage for general anesthesia for certain pediatric dental services. Each of those motions passed on a 7-0 roll call.
The main discussion centered on SB 1643, which would require prior approval from the Texas Department of Insurance for property and casualty rate changes above 10% from a previously filed rate. The chair framed it as a response to rate volatility and rising homeowners and auto premiums, while several members questioned whether it would slow a market that is already stabilizing and could encourage insurers to file repeated increases just under the threshold. Witnesses from consumer groups supported tighter oversight and argued for a lower threshold, while insurance industry representatives opposed the bill, saying Texas’s file-and-use system and competitive market work better and that the proposal could increase costs or create uncertainty. After testimony, SB 1643 was left pending.
The committee then heard SB 1642, which would replace the single Texas Department of Insurance commissioner with a three-commissioner structure and an executive director. Supporters said it could improve accountability and transparency, while opponents argued the current single-commissioner model is more efficient and avoids confusion and added cost. Witnesses also raised concerns about open meetings issues, administrative expense, and the lack of a clear model from other states. SB 1642 was also left pending.
Finally, the committee heard SB 2530, the Texas Windstorm Insurance Association omnibus bill. The bill would make a number of changes to TWIA’s governance and finances, including exempting TWIA from certain taxes, moving its headquarters to a coastal county, changing board composition and voting rules, and lowering the probable maximum loss standard from 1-in-100 to 1-in-50. Supporters said the bill would strengthen TWIA’s reserve funding and improve local relevance, while opponents warned it could increase assessments, reduce reinsurance protection, and create operational risks by relocating the headquarters to the coast. The bill was left pending, and the committee then adjourned.
CA
California 2025-2026 Regular Session
Assembly Utilities and Energy Committee Jul 16th, 2025
Transcript Highlights:
- get a handle on rates. rate increases of the last five years is increased utility spending.
- Utilities that implement decoupling can keep water rates lower than other rate mechanisms by creating
- Decoupling can keep water rates lower than other rate mechanisms by creating tiers for water use that
- But it wasn't a rate increase. The rate was approved by the commission.
- What we do, what the CPUC does, is set our test year rates and our next two years' rates.
Summary:
The committee heard several energy and water affordability bills, with extensive testimony on SB 254 by Senator Becker, SB 541 by Senator Becker, SB 453 by Senator Stern, SB 292 by Senator Caballero, and SB 473 by Senator Padilla. SB 254 was presented as a broad utility affordability package addressing short-term climate credits, a Power Fund, tighter scrutiny of rate increases and utility profits, wildfire spending, securitization of future utility costs, and streamlining. Supporters, including TURN and several environmental and public power groups, said it could lower bills and reduce long-term costs; opponents from investor-owned utilities, labor, business, and local government raised concerns about market impacts, insufficient analysis, and the breadth of the bill. The committee approved SB 254 on a 6-3 vote and placed it on call.
SB 541 focused on load flexibility and using existing grid capacity more efficiently. Senator Becker described it as a transparency and planning measure to identify cost-effective load shifting and reduce peak demand, while supporters said it could improve resiliency and save money. Several CCAs and utilities opposed the bill in print or unless amended, arguing that some language implied a mandate and that the concept needed more cost-effectiveness analysis; the author said amendments would remove language dividing the state goal among retail suppliers and clarify that the bill is not a procurement mandate. The committee passed SB 541 as amended to Appropriations on a 9-1 vote and left it on call.
SB 453 by Senator Stern would return unspent ratepayer-funded microgrid program dollars and was described as a way to keep the lights on and redirect unused funds. It drew support from local government and environmental groups, with PG&E expressing concern about how the bill would affect its ability to spend awarded funds. The committee passed SB 453 as amended to Appropriations on a 12-0 vote. SB 292 by Senator Caballero would require more granular outage and reliability reporting, including census-tract-level data, to better inform resilience planning after PSPS events; utilities opposed unless amended, citing duplicative reporting and regulatory overlap, but the bill passed 12-0 to Appropriations.
SB 473 by Senator Padilla would require or expand water utility decoupling to promote conservation and affordability. Supporters, including water utilities, labor, business, and local government groups, argued decoupling stabilizes revenue, supports conservation, and can keep rates lower for low-use customers. The Public Advocates Office opposed, saying prior pilot data showed no conservation benefit and about $1 billion in added costs, and that the CPUC had already rejected similar requests. Committee members questioned the conservation and capital-investment effects of the different rate structures; the author and supporters argued decoupling helps utilities fund infrastructure while allowing lower fixed charges for low-use customers. The transcript ends during that discussion, before a final vote on SB 473 is shown.
NY
New York 2025-2026 Regular Session
New York State Senate Session - 04/15/2026
New York Senate Floor Meeting
Transcript Highlights:
- , RATE PAYERS, AND 61.6% HIGHER THAN THE NATIONAL AVERAGE AMONG RATE PAYER WHICH IS SEEMS TO CONTRADICT
- It was about the rate cases, so utility companies come forward to the P.S.C. and they bring a rate case
- And that would assume that a formal rate case is happening in this four-month cycle, and when a rate
- That keeps our rates down.
- That keeps our rates down.
Summary:
The Senate convened, approved the prior journal, and then took up a series of utility and public service bills and resolutions. A resolution sponsored by Senator Scarcella-Spanton designating April 9, 2026, as Yellow Ribbon Day was adopted after remarks honoring veterans, active-duty service members, and their families. The chamber then moved through several Public Service Law measures focused on utility affordability, consumer protections, and PSC procedures, with some bills laid aside and others advanced.
Among the bills passed were measures by Senators Mayer, Cleare, Hinchey, Comrie, and Parker. Debate on the Mayer bill centered on limiting utility expenses and fees recoverable in rate cases; supporters said it was part of a broader package to reform PSC practices, while opponents argued it would not lower current bills and had been softened from earlier versions. The Webb bill creating a residential utility usage monitoring program drew extended debate over whether it would meaningfully reduce costs, who would pay for the program, and whether it could lead to government monitoring of household usage; supporters said it would give consumers more control and transparency, while critics said it would not lower rates. The Gonzalez bill, which would add consumer protections during PSC investigations and delay shutoffs in certain circumstances, also passed after questions about whether it applied to rate cases, with the sponsor saying rate cases were explicitly excluded.
Several members explained their votes, with supporters emphasizing affordability, transparency, and consumer protection, and opponents arguing the package would not address immediate rate relief and could burden ratepayers or encourage nonpayment. Senator Tedisco and others criticized PSC appointments and state energy policy, while Democratic sponsors argued the bills were part of a longer-term effort to reform utility regulation and address climate and affordability concerns. The chamber restored multiple bills to the non-controversial calendar before final votes, and the recorded results showed passage of the major utility bills by substantial margins, along with one amendment appeal being ruled nongermane and rejected.
FL
Florida 2025 Regular Session
October 15, 2025 - 08:00 AM
Transcript Highlights:
- HOURLY RATE?
- THE RATES ARE STANDARDIZED.
- THE RATES?
- WHEN YOU FACTOR IN THE RATES? WHEN YOU LOOK AT THE RATES?
- AND DOES THIS RATE DO THAT?
MN
Minnesota 2025 1st Special Session
House DFL Press Conference 3/27/25
Transcript Highlights:
- <00:03:02.400>
in in 2024 auto insurance rates in in 2024 auto insurance rates in Minnesota - used by insurance companies to set rates used by insurance companies to set rates determine<00:04
- So since that about 10% uninsured driving rate, we have seen an incredible increase in those rates that
- disproportionately these higher rates disproportionately these higher rates are<00:18:46.760>
- pay it off quickly which means her rate pay it off quickly which means her rate of<00:19:38.720>
MN
Minnesota 2025-2026 Regular Session
Human services panel considers HF1005 3/4/25
Minnesota House Floor Meeting
Transcript Highlights:
- <00:04:31.440>
that now the low ma reimbursement rates that now the low ma reimbursement rates - and behavioral health home rates to the DHS study calculation, as these rates do not have an equivalent
- equivalent as well as increases rates equivalent as well as increases rates for<00:08:36.120>
- >
almost <00:08:56.000>all rate increases impact almost all rate increases impact almost - health reimbursement rate.
Summary:
House File 105 was presented by Representatives Beerman and Baker and then laid over for possible inclusion in a future omnibus bill. The bill would implement the remaining mental health and physician service recommendations from DHS’s rate study, including raising certain Medicaid reimbursement rates to at least 100% of Medicare where a Medicare equivalent exists, increasing community-based children’s and adult mental health rates and behavioral health home rates, and phasing in additional increases over three years. The authors said the proposal also addresses master’s-level clinician reimbursement and fee-for-service hospital inpatient mental health services, and they emphasized that the changes are intended to improve access, transparency, and provider stability.
Both authors argued that low MA reimbursement rates are driving access problems across Minnesota, especially for children, families, and rural communities. They said providers are struggling to hire and retain staff, clinics are closing or shrinking, and patients are facing long waits, boarding in hospitals, or delayed care. Representative Baker said the issue is personal and described the bill as a phased, long-term approach because of state budget limits and the size of the cost, which he said is in the hundreds of millions but still awaiting a fiscal note.
Public testimony was strongly supportive overall. A family physician said higher rates would improve access, keep clinics open, and help patients avoid emergency care, while a Children’s Minnesota mental health leader described more than 1,200 pediatric boarding episodes in 2024 and said outpatient investment is needed to reduce pressure on emergency and inpatient services. A rural provider said her organization had to close an in-home children’s mental health program because of insufficient reimbursement, harming access in underserved counties. A psychologist testifying for the Minnesota Psychological Association supported the bill’s general direction but objected to repealing the pay differential for doctoral-level psychologists, arguing that doctoral training is more extensive and that eliminating the differential could worsen workforce shortages. After testimony and member questions about the bill’s scope and cost, public testimony was closed and the bill was laid over.
FL
Florida 2025 Regular Session
October 14, 2025 - 03:30 PM
Transcript Highlights:
- THE NEXT SLIDE WILL HAVE INFORMATION ON THOSE RATES.
- RATE WE WOULD SHOW FOR THIS MARKET.
- HIKES, I SAW ONE RATE HIKE OVER 51% AND SOME OVER 40%.
- Cassel: GOING BACK TO SLIDE 10 TALKING ABOUT THE RATES WE KNOW THE APPROVAL RATES ARE FOR THE COMING
- WELL WE SEE A DECREASE IN THE RATES? LONGER REASONABLE. WELL WE SEE A DECREASE IN THE RATES?
MN
Minnesota 2025-2026 Regular Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 3/12/26
Workforce, Labor, and Economic Development Finance and Policy
WA
Washington 2025-2026 Regular Session
House Community Safety Dec 4th, 2025
Transcript Highlights:
- , or solve rates.
- And the dotted line is the rate.
- Richard, I want to interrupt you here on clearance rates, that phrase solve rates.
- Low clearance rates create a dangerous feedback loop. Higher clearance rates help break it.
- and solve rates.
Summary:
The House Committee on Community Safety held a December 4, 2025 work session focused first on crime trends and then on policing effectiveness. Adam Gelb of the Council on Criminal Justice reviewed long-term national data showing major declines in reported crime and victimization since the early 1990s, a pandemic-era spike in homicide and some violent crime, and a recent drop back toward pre-pandemic levels. He also highlighted a sharp decline in juvenile arrests and incarceration, a substantial reduction in racial disparities in imprisonment, and noted that much of the disparity reduction appears tied to changes in arrest patterns. James McMahon of the Washington Association of Sheriffs and Police Chiefs then presented Washington’s 2024 crime report, saying total crime fell 8.4% from 2023, with decreases in violent crime, property crime, murders, robberies, aggravated assaults, hate crimes, and vehicle theft, while crimes against society rose. He emphasized that domestic violence makes up about half of crimes against persons, that Washington remains above its 2019 levels in several categories, and that underreporting affects the data. Marshall Clement of the Council of State Governments Justice Center added that Washington remains one of the states still above 2019 violent-crime levels, with homicide and juvenile victimization especially concerning, and noted wide variation in juvenile arrests and violent-crime trends across cities and counties. Jeff Asher of the Real Time Crime Index said his near-real-time data through September 2025 suggests continued national and Washington declines in murder, violent crime, and property crime, with Washington’s murder trend likely continuing downward into 2025.
The second half of the work session shifted to policing methods and clearance rates. Richard Hahn of the Niskanen Center argued that disorder and neighborhood conditions affect public safety perceptions, that environmental design and street lighting can reduce crime, and that police agencies need better deployment, investigative capacity, and clearance rates, especially amid staffing shortages. Mark Kropanski of Arnold Ventures summarized research finding that police staffing matters, hotspots and problem-oriented policing reduce crime, and better investigations increase deterrence and trust; he stressed that homicide clearance rates remain only around 60% in Washington and that property-crime clearance is much lower. Marshall Clement returned to focus on Washington’s solve rates, saying only 44% of violent crimes reported to police are solved, with 62% of homicides, 51% of aggravated assaults, 25% of rapes, and 31% of robberies cleared in 2024, and that large numbers of serious crimes remain unsolved over a three-year period. He urged state leaders to set goals, improve data collection, strengthen investigative resources, and support victims and witnesses. No votes or formal actions were taken; the session was informational and included extensive member questions about juvenile crime, domestic violence, underreporting, detective staffing, and how to improve clearance rates.
FL
Florida 2025 Regular Session
February 4, 2025 - 12:30 PM
Transcript Highlights:
- One of the issues has been a lot of denials and a higher rate, possibly a higher rate of denial than
- It helps with rate need.
- So when I said before what our rate need is, our rate need is what we need to charge to be actuarially
- I've approved in 2024, I approved over 70 rate, zero percent rate increases or decreases for this marketplace
- proposing sweeping rate decreases.
Summary:
The Insurance and Banking Subcommittee received a lengthy presentation from Citizens Property Insurance Corporation CEO Tim Serio, with Insurance Commissioner Michael Yaworski also answering questions. Serio reviewed Citizens’ role as Florida’s insurer of last resort, its statutory funding structure, eligibility rules, depopulation program, reinsurance obligations, and the surcharge/emergency assessment mechanisms that can be used if Citizens runs a deficit. He emphasized that recent legislative reforms, combined with lower litigation and improved market conditions, have helped the private market recover and reduced Citizens’ policy count from a peak of about 1.41 million in 2023 to 936,182 at the end of 2024, with a projected drop to about 771,000 by the end of 2025. He also said the reforms reduced Citizens’ rate need and helped avoid an emergency assessment after the 2024 storms.
Members asked about Citizens’ rate increases, why Citizens still seeks higher rates despite lower litigation, how the 20% eligibility threshold works, whether Citizens should be wind-only, and whether the state or federal government could help with deficits. Serio explained that Citizens is still charging below actuarially sound rates in most areas, that rate filings reflect reduced litigation and lower reinsurance exposure, and that assessments on all Florida property policyholders are the reason Citizens tries to build surplus and depopulate. He said the depopulation program is working better than in the past, with less than 2% of takeout policies returning to Citizens, and that the Office of Insurance Regulation has been vetting takeout companies more carefully.
A substantial portion of the discussion focused on claims handling after Debby, Helene, and Milton, including flood-versus-wind disputes and Citizens’ use of the Division of Administrative Hearings for some claim disputes. Serio said Citizens had received 76,625 claims from the three storms and had paid nearly $823 million in indemnity and expenses as of January 7, 2025. He said many closed-without-payment claims were either below deductible, withdrawn, duplicate, or flood-only, and that Citizens had asked its internal audit function to independently review the claims data and denials. He also described Citizens’ storm outreach, catastrophe response centers, managed-repair program, and claim review process, and said the corporation remains focused on paying valid claims while minimizing the risk of assessments on the broader Florida market.
MN
Transcript Highlights:
- State Ratings for Fitch Ratings, and I think Mr. Kim is via Zoom. Yes, I am. Oh, there you are.
- My name is Eric Ben—I am an analyst at Fitch Ratings. I manage the rating stream.
- rating that process happens in a rating rating that process happens in a rating committee<00:12:
- <00:13:04.959>
and rating is we publish that rating and rating is we publish that rating and - <00:13:52.320>
for <00:13:52.560>US ratings data our average rating for US ratings
HI
Hawaii 2025 Regular Session
CPN-EIG, CPN-HHS, CPN DEFER Public Hearings 02-11-2025
Commerce and Consumer Protection
Transcript Highlights:
- So, lower rate, but it would still be a rate, not the same as today.
- So, lower rate, but it would still be a rate, not the same as today.
- in rate cases usually.
- in rate cases usually.
- in rate cases usually.
Summary:
The joint Senate hearing focused primarily on SB 1201, a wildfire measure that would create a wildfire recovery fund and allow securitization for electric utilities. Hawaiian Electric strongly supported the bill, saying it would help protect customers, property owners, insurers, and the broader economy from future catastrophic wildfire liability while improving the utility’s credit profile and lowering financing costs. Support also came from DCCA Consumer Advocacy, the Attorney General’s office on written comments, Ulupono Initiative, Clearway Energy Group, IBEW Local 1260, Par Hawaii, KIUC, the Chamber of Commerce Hawaiʻi, Plus Power, and numerous organizations and individuals. Opponents or commenters raised concerns about the liability cap, victim compensation process, and fund structure, including the Hawaiʻi Association for Justice, the Hawaiʻi Regional Council of Carpenters, and the Hawaiʻi Insurance Council; Henry Curtis of Life of the Land supported the concept of a fund but questioned the catastrophe threshold and whether the fund would be empty without a prudency finding.
Much of the discussion centered on whether the proposed fund would actually help restore Hawaiian Electric to investment grade, with senators comparing the proposal to California’s wildfire fund. Hawaiian Electric said the bill was only one part of a broader process, alongside physical risk reduction and settlement finalization, and argued that without the bill the utility would not regain investment grade. Senators also questioned the proposed $1 billion fund size, the fairness of ratepayer contributions versus shareholder contributions, and whether customers should pay for consulting and administrative costs; Hawaiian Electric said its proposed amendment would remove those consulting-related charges. The company also said the fund would accrue interest and, if unused, could be returned to customers, and that there would be replenishment and supplemental contribution mechanisms if the fund were exhausted.
The Attorney General’s office said it still had further amendments to discuss, and the departments had not yet resolved where the fund should reside administratively, though Hawaiian Electric said it believed DCCA was the appropriate place but was open to alternatives. KIUC requested two amendments. No vote or final committee action was taken during the hearing, and the measure remained under discussion with questions and proposed amendments still outstanding.
AL
Alabama 2026 1st Special Session
Alabama Senate Fiscal Responsibility and Economic Development Committee Mar 31st, 2026
Fiscal Responsibility and Economic Development
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs Afternoon Subcommittee Work Session (02/12/2025)
Transcript Highlights:
- Rate can be set by the ambulance company, whatever rate they want.
- rate I mean it rate or somebody sets the rate I mean it it<00:18:37.880>
will <00:18:38.039> <00:25:35.000>- per of Medicare rate of Medicare per of Medicare rate of Medicare rate<00:25:22.520>
is <00:25:- c> rate
must <00:25:35.200>be mandate the rate must be mandate the rate - per of Medicare rate of Medicare per of Medicare rate of Medicare rate<00:25:22.520>
- rates the board of rates I don't set the rates the board of fire<00:59:46.119>
Commissioners <
Summary:
The subcommittee discussed three ambulance reimbursement bills and tried to distinguish their approaches. House Bill 185 would require insurers to pay the full amount billed by an ambulance provider when there is no contract rate, with no balance billing to the patient; the Insurance Department clarified that emergency ambulance services are already covered under the benchmark plan, so the bill’s reference to policies without ambulance coverage is effectively meaningless. House Bill 725 would set reimbursement at 325% of the Medicare rate for non-contract ambulance services and prohibit balance billing. House Bill 316 was described as addressing the broader problem that Medicare/Medicaid rates are low and that current balance billing shifts costs to patients or municipalities; its sponsor said the bill would require insurers to pay a rate that gives providers a fighting chance to remain in business, and he viewed 325% of Medicare as the most logical option.
Members debated whether insurers should pay the billed amount, a negotiated in-network rate, or a regulated percentage of Medicare. Some argued that out-of-network ambulance providers are underpaid and that in-network rates are often too low to sustain service, especially for emergency providers who cannot steer patients. Others said ambulance companies should not be able to bill whatever they want and questioned the fairness of charging insured patients or insurers more than the service is worth. There was also discussion of whether rate schedules should be reviewed by an oversight body and whether different costs in rural areas justify different reimbursement levels.
A recurring issue was balance billing and who ultimately bears the shortfall. Several members said balance billing harms patients and often does not get paid, leaving cities and towns or property taxpayers to cover the difference for municipal ambulance services. Others argued that shifting the cost to insurance premiums would spread the burden more fairly, though it could raise premiums by a few dollars per person per month. No vote or final action was taken in the excerpt; the discussion focused on clarifying the bills and weighing their policy tradeoffs.
ND
North Dakota 2025-2026 Regular Session
Senate Appropriations - Human Resources Division Apr 3rd, 2025 at 09:00 am
Appropriations - Human Resources Division
Transcript Highlights:
- Rebase Medicaid rates for ambulance service. So this isn't increasing rates.
- When we say rebase, that's really kind of aligning the rates to a new target rate.
- rate.
- And so again, it would align those rates to the Medicare lowest rural quartile rate. Mr.
- It really should be in the rate.
Summary:
The Senate Appropriations HR Division met with all members present to review the medical services portion of the HHS budget. Sarah Aker, Executive Director of Medical Services, walked the committee through several budget items, including HCBS cost-to-continue adjustments, the DD bed assessment, expansion of value-based purchasing, targeted rate increases for home health and QSP services, and the cross-disability waiver. Members generally supported the targeted increases for home health and QSP, and Aker explained that the cross-disability waiver funding would support startup work, service design, and infrastructure ahead of a planned July 1, 2028 implementation.
The committee spent significant time on rate-setting and provider payment issues. Members discussed ambulance rate rebasing, with several senators expressing concern that the proposed increase was too high relative to peer states; the committee ultimately moved toward reducing that item to $1 million rather than zero so it could be revisited in conference committee. They also discussed a House-added critical access hospital networking grant and similarly leaned toward reducing it to $1 million. Aker explained the department’s value-based purchasing plans, including use of a vendor selected through RFP, and clarified how the department’s existing Medicaid managed care and hospital value-based programs work.
A major portion of the meeting focused on long-term care and basic care payments, including a House-added extension of the $5 per day basic care add-on and a proposed shift in nursing facility incentive grants toward a withhold-based model. Senator Mathern indicated he would bring an amendment to delay or modify the withhold change, and Aker said the department would prefer language that directly addresses whether a withhold may be implemented. Members also discussed 1915(i) services, FMAP changes, the Medicaid legacy system modernization carryover, and a House-added legislative intent section on medical assistance. The committee adjourned for the morning with plans to return later to continue Human Services budget work and revisit unresolved items in conference committee.