Transcript Highlights:

• </c><00:17:35.280><c> division</c> First up is DCCA's insurance division First up is DCCA's insurance
• We stand on from the insurance division.
• Every insurer fraud detox only.
• I'm Meredith Nichols on behalf of DHS. insurance. Requires all health insurers, insurance.
• </c> funding requested by the Insurance funding requested by the Insurance Commissioner,<01:13:43.560

Bills: SB2433, SB2047, SB2425, SB3045, SB2761, SB3001, SB2852, SB2471

Keywords: condominium governance, education trust fund, unit owners, real estate, dispute resolution, financial obligations, community representation, pharmacy benefit managers, maximum allowable cost, transparency, drug pricing, insurance commissioner, contracting pharmacies, healthcare, substance use disorder, SUD, addiction treatment, behavioral health, mental health, rehabilitation

Summary: The committee heard testimony on SB 2433 SD1 relating to condominiums, which would direct the condominium education trust fund toward educational resources for unit owners and require the Real Estate Commission to ensure owners’ interests are represented in funded activities and related rulemaking. Supporters, including the Hawaii Real Estate Commission and a condominium owner advocate, said owners need a seat at the table in condo governance and education efforts. Committee discussion focused on whether the bill was necessary, with the Real Estate Commission indicating it could already use the trust fund for owner education and that owners are already considered stakeholders, though not through a specific commission seat. No vote was taken during the excerpted discussion. The committee then took up SB 2047 SD2 HD1 on pharmacy benefit managers, which would set requirements for maximum allowable cost reimbursement, allow reverse-and-rebill claims after successful appeals, and authorize fines for violations. The Insurance Division offered comments, the Hawaii Pharmacists Association supported the measure with amendments and suggested future PBM reform funding, and Kaiser Permanente requested a technical amendment. A committee question raised whether the staffing and resource request for implementation was too large for a bill focused only on MAC pricing, and the witness said he would provide more data to the next committee. No final action was shown. Next was SB 2425 SD2 HD1 on health insurance and substance use disorder treatment, requiring insurers to honor written assignments of benefits to SUD providers and prohibiting anti-assignment clauses. Supporters described patients being unable to access treatment because of high out-of-pocket costs and said direct payment would reduce harm for people in recovery. HMSA opposed the bill but said it would begin direct payments to non-participating SUD facilities effective March 27, while continuing to object to the assignment-of-benefits portion because of fraud and balance-billing concerns; the Hawaii Association of Health Plans also opposed. Members questioned HMSA about reimbursement mechanics and why the bill was needed if coverage policies were already changing. Finally, the committee heard SB 3045 SD1 HD1, which would require coverage of continuous glucose monitors and related supplies, including for Medicaid managed care, under certain conditions. DHS and the Insurance Division offered comments, while SHPDA, Hilo Benioff Medical Center Foundation, and others supported the bill, citing inconsistent access and a case in which a woman allegedly died after being denied a CGM. HMSA said it already covers medically necessary CGMs and had updated its policy in 2025 for type 1 and insulin-dependent patients, but it raised concerns about expanding mandated coverage to type 2 and gestational diabetes and about supply impacts. The committee also discussed whether the bill duplicated existing coverage standards and why it had been introduced repeatedly. No votes or final dispositions were included in the excerpt.

Transcript Highlights:

• We'll start off with the first bill, which is House Bill 1864, providing health insurance coverage for
• ><c> much</c> So we'll start off with the first bill, which is House Bill 1864, providing health insurance
• State of Hawaii Insurance Commissioner, Deputy Insurance Commissioner, if following.
• Justin Chu for the Insurance Division.

Bills: SB2421, SB2690, SB3103, SB3137, SB3164, SB3206, SB2933, SB3133, SB3315

Keywords: cannabis, marijuana, Hawaii Cannabis Law, legalization, decriminalization, adult use, hemp, taxation, social equity, public health, primary care, health insurance, health carrier, insurance commissioner, Med-QUEST, Medicaid managed care, provider reimbursement, downcoding, prior authorization, utilization review

Summary: The committee heard testimony on several health-related bills. HB 1864, which would require health insurance coverage for standard fertility preservation services for people undergoing medically necessary treatment, drew broad support from SHIPA, the Department of Health, HMSA, the Hawaii Association of Health Plans, and others. Testifiers emphasized that fertility preservation is routine coverage on the mainland and important for patients facing infertility from cancer or other treatment; one patient described incurring more than $20,000 in costs. The Insurance Division flagged possible Affordable Care Act issues, a potential conflict in the bill’s language about using patient history to determine limits, and a mismatch with state medical-necessity standards. Committee discussion also focused on whether the bill should apply to all women of childbearing age rather than a narrower age-based category. HB 2305 would require nutrition and metabolic education as part of physicians’ continuing medical education. The Hawaii Medical Board opposed the measure, arguing that CME should remain flexible and tailored to each physician’s specialty and warning that topic-specific mandates can expand over time. The Office of the Governor supported the bill, saying it would help the state’s rural health transformation application and could improve federal funding prospects, though the exact impact was unclear. Members questioned whether nutrition is already covered in medical training and whether the requirement should be limited to primary care physicians; the board said Hawaii currently has no topic-specific CME mandates and that physicians can already choose relevant courses. The committee also heard strong support for HB 1597, which would establish an Alzheimer’s disease research center at the University of Hawaii. Supporters from the university, the Alzheimer’s Association, AARP, and others said the center could attract federal research dollars, expand clinical trials, and help address the state’s high Alzheimer’s-related health costs. HB 2159, which appropriates funds for health care workforce development, also received broad support from the University of Hawaii, health systems, and advocacy groups, with no opposition noted. Finally, HB 2121, which would prohibit the sale and distribution of disposable electronic smoking devices, drew support from the Department of Health, youth advocates, and public health groups citing youth addiction, environmental waste, and fire hazards; the department said a separate bill, HB 1573, would be more comprehensive and better defined for enforcement and penalties. The committee ended with HB 1913, creating a veteran services mental health coordinator position at Tripler Army Medical Center, which was supported by veteran services officials and others who said veterans need better navigation and coordination for behavioral health care.

Transcript Highlights:

• I am licensed by the Texas Department of Insurance and other state departments of insurance as a public
• insurance adjuster.
• The Texas Department of Insurance, on their website, advises the insured to seek appraisal before filing
• Today's Texas Department of Insurance suggests the insured check their policy to see if it has that right
• I think if she... ...follows those same guidelines, it'll be good for the insured and the insurer.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Savings they find with the insurance company.
• I have been an insurance-based provider, with 98% of my clientele billed through insurance.
• We're seeing increased rates and reduced coverage from private insurance. ...insurers will exacerbate
• If title insurance rates, which are set by the Texas Department of Insurance, are only updated every
• Unlike traditional health insurance plans that often include complicated deductibles or co-insurance

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• Having an insurance card doesn't mean you have access.
• And to date, we've issued four enforcement issues to insurers and...
• from insurance companies.
• Almost 100% of my clients use their insurance to see me.
• Insurers are not complying with regulations about mental health parity.

Bills: SB6226, SB6305, SB5924, SB5990, SB5185, SB5845, SB6071, SB6258

Keywords: SB 6226, Washington, audiology, audiologist, hearing aid specialist, speech-language pathologist, telehealth, teleaudiology, clinical autonomy, clinical judgment, in-person care, remote care, Board of Hearing and Speech, hearing instruments, hearing aids, dispensing hearing aids, standards of care, professional licensure, health professions regulation, patient-centered care

Summary: The Senate Health and Long-Term Care Committee met on January 30 and first moved through executive session on five bills. The committee adopted proposed substitutes and advanced Senate Bills 5999, 5185, 5845, 6071, and 6258 to the Rules Committee, all by voice vote and subject to signatures. SB 5999 would let smaller rural counties appoint an APRN or PA as an acting local health officer; SB 5185 creates a pilot pathway for international medical graduates toward physician licensure; SB 5845 revises timely payment rules for health carriers; SB 6071 standardizes overpayment recovery timelines; and SB 6258 creates a non-disciplinary pathway for relinquishing certain medical licenses. Several sponsors noted that SBs 5845 and 6071 were still being worked on with stakeholders. The committee then held a hearing on SB 6226, which would protect the clinical autonomy of audiologists and require the Board of Hearing and Speech to apply hearing-instrument rules consistently across care modalities, including telehealth. Testimony was overwhelmingly supportive, with witnesses emphasizing teleaudiology’s role in expanding access, especially for rural residents, older adults, and people with mobility challenges. One association witness supported the bill’s goals but warned it could be read too broadly and affect other regulatory standards. The hearing closed with 54 people signed in pro, none opposed, and two other. Next, the committee heard SB 6305, the Truth in Mental Health Coverage Act, which would require carriers to submit standardized annual data to the Office of the Insurance Commissioner on behavioral health coverage, access, reimbursement, utilization, and network participation, with public posting in raw files and dashboards. Supporters said the bill would make parity and access problems visible and help consumers compare plans; the OIC said it supported the transparency approach and was already engaged in parity oversight. Opponents argued the bill was premature given implementation of recent parity legislation and could add burdens without addressing workforce or network adequacy. The hearing closed with 396 signed in pro, two con, and zero other. Finally, the committee heard SB 5924, a proposed substitute expanding pharmacists’ prescriptive authority and limited diagnostic authority for certain drugs and conditions, consistent with a Department of Health sunrise review. Supporters from pharmacy, health care, retail, and rural access perspectives said it would reduce administrative barriers, improve access in underserved areas, and better use pharmacists’ training; some cited examples such as immunizations, contraception, opioid use disorder treatment, and minor illnesses. The Washington State Medical Association opposed the bill, saying it moved away from collaborative practice and needed more time to resolve concerns about coordination, pediatrics, and complex patients. A few testifiers raised objections to psychiatric prescribing or specific drugs, while others asked about reporting back to primary care. The hearing closed with 279 signed in pro, six con, and four other, and the committee adjourned after concluding its business.

Transcript Highlights:

• This specifies that the requirement for an insurer to provide the insured with certain information about
• This is the bill modifying the insurance fraud program administered by the Insurance Commissioner.
• This is named after kind of a pioneer in the insurance industry.
• Oh, no, the insurance industry—sorry, my bills mixed up.
• With this bill we are setting up a Washington Travel Insurance Act, and with this new line of insurance

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• A property insurer that uses a wildfire risk score for underwriting or rating must provide the insured
• It does this by turning what is the definition of insurance fraud for purposes of the insurance fraud
• It does this by turning what is the definition of insurance fraud for purposes of the insurance fraud
• impact the insurance industry or insurance consumers or beneficiaries beyond insurance fraud to furnish
• Insurance Commissioners' Travel Insurance Model Act.

Bills: SB6178, SB5831

Keywords: SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling, consumer protection, void and unenforceable, Washington insurance code, chapter 48 RCW, civil penalty

Transcript Highlights:

• benefits are assigned or transferred from the insured to another person.
• However, they're not insurance professionals.
• been pressured to sign documents before contacting their insurance company.
• You won't have to worry about anything with the insurance company.
• litigation against their own insurance companies for over a decade.

Bills: SB5831, SB6178

Keywords: mortgage modification, uniform regulations, homeowners, financial stability, foreclosure prevention, SB6178, property insurance, insurance claims, assignment of benefits, AOB, post-loss assignment, post-loss benefits, homeowners insurance, policyholder, insured, restoration contractor, mitigation contractor, public adjuster, insurance commissioner, claims handling

Bills: SB87, HB491, SB43, SB101

Keywords: midwifery, licensed midwives, State Board of Midwifery, licensure fees, professional liability insurance, complaints investigation, emergency care plan, out-of-hospital care, HB491, public schools, K-12, school nutrition, school lunch, cafeteria, artificial dyes, food additives, food coloring, synthetic dyes, Red Dye No. 3, Red Dye No. 40

Bills: HF1, HF98

Keywords: Office of Inspector General, inspector general, legislative audit, fraud prevention, waste and abuse, public funds, grant oversight, state grants, grant management, whistleblower protection, retaliation, subpoena power, data practices, government transparency, accountability, law enforcement referrals, sanctions, debarment, payment withholding, public assistance fraud

Bills: SB82, SB1807, SB2254, HB119, HB130, HB581, HJR98, SB1988

Keywords: business liability, concealed carry, handgun policy, premises liability, criminal acts, civil liability, business premises, concealed handgun, property liability, property rights, gun regulations, criminal liability, protective order, confidentiality, personal information, court records, victim protection, charitable raffle, nonprofit, wildlife conservation

Summary: The Senate Committee on State Affairs met to consider several pending measures and adopted committee substitutes on multiple bills before voting them out. Senate Bill 2403, Senate Bill 1888 (jury wheel procedures in certain counties), Senate Bill 2417 (Attorney General actions under the Free Enterprise and Antitrust Act), Senate Bill 2459 (personal identifying information for judiciary employees), and Senate Bill 2943 (discrimination involving occupational licenses) were each reported favorably to the full Senate, with most passing unanimously and SB 2943 passing on a 10-1 vote. The committee also certified SB 1888, SB 2417, and SB 2459 for the local and uncontested calendars, and later did the same for SB 2943. The committee then considered House Joint Resolution 98, the Convention of States resolution, which was reported favorably to the full Senate on an 8-3 vote. House Bill 1393, dealing with daylight saving time and keeping the state on daylight saving time year-round, was also reported favorably, with the committee noting it heard the House bill rather than a Senate companion. House Bill 2884, concerning financial relationship disclosures for defense contractors, was likewise reported favorably, with the final tally announced as 11 ayes and 1 nay. No testimony was taken in the excerpt, and no substantive debate was recorded beyond brief clarifications about the bills and their companions. After completing the votes and calendar motions, the committee recessed.

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Transcript Highlights:

• Senate Bill 1876 clarifies that a foreign insurer can be served a lawsuit through their registered agent
• rather than only the insurance commissioner.

Bills: SB137, SB372, SB1209, SB1226, SB1256, SB1303, SB1595, SB1636, SB1772, SB1827, SB1876, SB1944, SB2072, SB2104, SB2180

Keywords: electronic monitoring, Department of Corrections, criminal justice, rehabilitation, public safety, SB372, firearms, gun rights, lawful carry, concealed carry, open carry, handgun license, Oklahoma Self-Defense Act, weapons policy, gun law, school safety, private school, public school, college campus, university campus

Transcript Highlights:

• Senate Bill 1876 clarifies that a foreign insurer can be served... 1876 clarifies that a foreign insurer
• can be served a lawsuit through their registered agent rather than only the insurance commissioner.

Bills: SB137, SB372, SB1209, SB1226, SB1256, SB1303, SB1595, SB1636, SB1772, SB1827, SB1876, SB1944, SB2072, SB2104, SB2180

Keywords: electronic monitoring, Department of Corrections, criminal justice, rehabilitation, public safety, SB372, firearms, gun rights, lawful carry, concealed carry, open carry, handgun license, Oklahoma Self-Defense Act, weapons policy, gun law, school safety, private school, public school, college campus, university campus

Summary: The committee heard a series of Senate bills, most of them receiving unanimous or near-unanimous do-pass recommendations. SB 1595, as amended, exempts commercial driver training schools administered by the Oklahoma Department of Corrections from provisions regulating state agency interactions with CDL schools; the amendment was adopted and the bill passed 9-0. SB 1303 transferred property and records from the Advisory Council on Workers’ Compensation to the Workers’ Compensation Commission, SB 2180 required certain foreign principals’ agents to register with the Secretary of State, SB 2072 expanded title-theft protections and allowed broader law-enforcement investigation and fee waivers, SB 1772 clarified when vehicle lights must be used, and SB 1209 excluded Sundays and federal holidays from eviction timelines; each passed without opposition or with overwhelming support. Members also advanced SB 137, a mirror bill to a House measure dealing with a corrections-related issue, after discussion about retroactivity and possible amendments on the Senate side; it passed 9-1. SB 1944 adjusted an agriculture payroll threshold exemption and passed 10-0. SB 372 clarified that a person may carry a weapon from the front door to a room in a state-owned hotel or lodge and passed 9-1. SB 1636 allowed a victim’s family to request a cold case review from any law enforcement agency and passed 11-0. SB 1256 was amended to remove language requiring certain written judicial findings, then passed 11-0. Additional bills approved included SB 1827, which updated definitions in the Government Tort Claims Act; SB 2104, a cleanup and integration measure following adoption of the Oklahoma Uniform Trust Code; SB 1226, clarifying when a driver must stop after an accident involving property damage; and SB 1876, allowing a foreign insurer to be served through its registered agent rather than only the insurance commissioner. The committee adjourned after reporting all measures out favorably.

Transcript Highlights:

• We have had significant increases in insurance costs, which are due to a variety of insurance costs and
• insurance companies challenging claims and then not paying.
• avenue for the consumer to create a savings account because of some of the things we're seeing in the insurance
• that up into, then I could pay that claims essentially out of that and keep that cost off of my insurance

Bills: HB2929, HB2956, HB2955, HB3128, HB3880, HB4294, HB2970, HB3338, HB3443, HB3783, HB3800, HB3818

Keywords: homeowner insurance, insurance premium, claim history, insurance regulation, at-fault claims, flood insurance, state law, consumer protection, appraisal management, Real Estate Appraiser Board, appraiser registration, background checks, ownership requirements, captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive

Transcript Highlights:

• This particular bill focuses on insurance coverage, roof adoption, and you. For questions.
• The Oklahoma Insurance Department requests the following changes to update provisions related to the
• homeowner's insurance in the Oklahoma Insurance Code.
• Oklahoma Insurance Department. Thank you so much. Underwriting purposes.
• Oklahoma Insurance Department. Thank you so much. Have pass, see no questions.

Bills: HB2929, HB2956, HB2955, HB3128, HB3880, HB4294, HB2970, HB3338, HB3443, HB3783, HB3800, HB3818

Keywords: homeowner insurance, insurance premium, claim history, insurance regulation, at-fault claims, flood insurance, state law, consumer protection, appraisal management, Real Estate Appraiser Board, appraiser registration, background checks, ownership requirements, captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive

Transcript Highlights:

• But because dental insurance covers the dental case, and medical insurance covers the anesthesia provider's
• General anesthesia would be covered by the medical insurance because it falls under the medical insurance
• That, not my medical insurance.
• Far too long, insurance companies have been able to pick winners and losers in the insurance marketplace
• SB 1307 instructs the Texas Department of Insurance (TDI) to create a health insurance reference guide

Bills: HB813, HB1680, HB3569, HB4074, HB4635, HB5178, SB527, SB1307, SB1822

Keywords: autism, health insurance, coverage, medical treatment, health benefit plan, HIV prevention, prescription drug, prior authorization, health benefits, insurance coverage, insurance, contract termination, property and casualty, insurance agents, discrimination, appraiser, umpire, licensing requirements, continuing education, admin penalties

Transcript Highlights:

• of Commerce or insurance.
• health insurance.
• Insurance is a pool, right?
• Under the appraisal framework, both the insurer and the insured select independent appraisers.
• and insurers.

Bills: HF4881, HF4867, HF4422, HF4223

Keywords: healthcare, insurance, regulation, financial institutions, prescription drug affordability, consumer protection, restitution account, financial compensation, attorney general, distributions, property insurance, homeowners insurance, fire and allied lines, hail insurance, appraisal clause, loss adjustment, alternative dispute resolution, insurance claims, claim valuation, actual cash value