Transcript Highlights:

• direct primary care is not insurance. direct primary care is not insurance.
• primary care. primary care.
• c> direct<01:23:13.640> primary Direct primary care and direct primary Direct primary care
• primary care. primary care.
• <01:29:51.880> care<01:29:52.680> can primary care and good primary care can primary

Bills: HF4493, HF3133, HF4595, HF4143, HF4142, HF3756, HF4289, HF1724, HF2291, HF4568, HF4547

Keywords: opioid use disorder, OUD, medication-assisted treatment, MAT, pharmacist prescribing, pharmacy practice, controlled substances, Schedule III, Schedule IV, Schedule V, DEA registration, Board of Pharmacy, substance use disorder, addiction treatment, buprenorphine, naltrexone, harm reduction, prescription authority, pharmacist intern, Minnesota pharmacy law

Transcript Highlights:

• We provide the only access to primary care and mental health care in those counties.
• This bill allows for these contracts only for primary care physicians or primary care physician groups
• So this is, one of the easy ways to think about this in primary care; it's kind of like direct primary
• Texas Primary Care Consortium.
• I'm a local practicing physician with a Direct Primary Care Clinic.

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• No, I'm not going to say it, but anyway—but they’ll still have their... primary care doc.
• taxpayer burden that comes. from that eventually gets transferred out of insurance to the taxpayer payers

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

Keywords: HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301

Transcript Highlights:

• versus a primary candidate forum, which would be in a primary all-one poll? party?
• And only one part, so I'm thinking about in a primary, for example. specifically.
• This bill ensures that if a candidate to advance from a primary election to the runoff then withdraw
• Let's say there are three candidates running in. primary, Republican or Democrat, or what other party
• might have a primary in Texas. candidate receives 50 percent of the vote.

Bills: SB29, SB406, SB447, SB875, SB893, SB1033, SB1346, SB1362, SB1539, SCR22, SB 29

Keywords: business organization, internal management, corporate governance, partnerships, liability reduction, birth certificate, biological sex, gender identity, health and safety, sex assignment, SB 875, Texas, independent school district, ISD, school board trustee, superintendent, campus administrator, electioneering, political signs, early voting

Transcript Highlights:

• So, for your average rate payer who maybe doesn't know the name of their state senator, but knows their
• So, for your average rate payer who maybe doesn't know the name of their state senator, but knows their
• So, for your average rate payer who maybe doesn't know the name of their state senator, but knows their
• average rate payer who maybe doesn't<00:02:18.280> know<00:02:18.480> the<00:02:18.600
• primary residence. primary residence.

Keywords: 918, senate, all

Summary: The program focused first on Minnesota’s energy and affordability agenda, with Senator Nick Frentz discussing the state’s clean-energy leadership, rising electricity demand, and the Senate’s 100% clean energy framework. He said Minnesota’s clean energy growth supports jobs, lowers costs for ratepayers, and includes recent wins such as sustainable aviation fuel tax treatment in the supplemental budget. Frentz also said the Senate passed an energy omnibus bill that continues clean-energy permitting reforms, promotes conservation and demand response, and includes a nuclear study rather than lifting the nuclear moratorium. Frentz spent much of the interview defending data centers as both a challenge and an opportunity. He said large hyperscale projects can create major construction jobs and substantial local property-tax revenue, while a 2025 law requires data-center companies to contribute to low-income energy assistance and report water use. He pointed to the Google data center planned for Pine Island as an example, saying it is air-cooled, will pay $5 million a year, and will fund 1,600 MW of clean energy at its own expense, which he argued could save Xcel ratepayers money over time. He also said climate change is already driving higher costs through homeowners insurance and storm damage. The second segment highlighted Senator Zach Duckworth’s housing and banking bills. Duckworth said Senate File 4168 would make it easier to finance investment properties by giving buyers more flexibility to roll closing costs and lender fees into payments, while keeping strong protections in place for primary residences. He emphasized that the bill is not about predatory lending and is intended to expand options for informed investors. He also described Senate File 4652 as an anti-fraud, no-cost measure that lets bank customers name a trusted contact so banks can alert someone if suspicious activity is detected. Duckworth said both bills passed unanimously in both chambers, and he credited quick action and good working relationships across the aisle for their success. The program closed with a broader reflection on the end of session and the Senate’s political climate. It noted that 15 senators are retiring and two are leaving for higher office, and that final floor votes often split along party lines, including one bill passing 34-33. Several retiring senators used farewell speeches to urge civility, compromise, and putting people first, while the segment emphasized that despite partisan conflict, quiet bipartisan cooperation still produced much of the session’s enacted legislation.

Transcript Highlights:

• Now OPUC's primary focus is on litigation.
• Or should it be borne by the geographic region rate payers that are the entities putting in primarily
• Bolduc:** I think our primary thing to talk to you about would be transparency.
• Bolduc:** I think our primary thing to talk to you about would be transparency.
• I think our primary thing to talk to you about would be transparency.

Keywords: 1185, senate, all

Transcript Highlights:

• In 2022, I was a primary caregiver.
• <00:43:51.000> caregivers provides relief to primary caregivers provides relief to primary
• 548 which builds upon the direct Primary 548 which builds upon the direct Primary Care<03:34:31.000
• we haven't even seen the direct Primary we haven't even seen the direct Primary Care<03:39:25.520
• , basically creating a fourth-party payer in essence.

Keywords: 1189, house, all

Transcript Highlights:

• The second task force here on the right-hand slide is a new primary care task force.
• And finally, Increase investment in primary care over time.
• CHIA is doing a deeper dive into primary care spending trends, as well as primary care capacity from
• Historically, the assessment applied to payers, hospitals, and ambulatory surgical centers.
• Historically, the assessment applied to payers, hospitals, and ambulatory surgical centers.

Keywords: 995, all

Summary: The committee heard budget testimony from Department of Mental Health Commissioner Brooke Doyle, who said DMH serves about 29,000 people and is facing rising demand, higher operating costs, and uncertainty about federal funding. She explained that the FY26 budget prioritizes fully funding the state-operated inpatient system, which is at 100% occupancy and often serves people transferred from Bridgewater State Hospital, while making reductions in other areas to balance the budget. Those reductions include a 50% cut to case managers, a pause on closing the Pocasset unit pending a working group on Cape access, and changes to youth and contracted services such as right-sizing IRTP and CIRT, reducing Youth PACT from seven teams to three, scaling back flex and jail diversion grants as ARPA funds wind down, and preserving the behavioral health helpline and community-based crisis services. Members from Western Massachusetts and the Cape raised concerns about access, staffing, and the impact of cuts, and Doyle said the department would continue operating IRTP services, improve the referral process, and work with stakeholders on the Pocasset review and other access issues. The committee also discussed school-based mental health, 988, loan forgiveness for workforce recruitment, and the role of co-response programs for law enforcement. Secretary Robin Lipson then testified for the Executive Office of Aging and Independence, describing a proposed FY26 budget increase of about 21% to support councils on aging, home care, elder abuse investigations, caregiver support, care transitions, and nutrition programs. She said the agency is managing rising demand, especially from the growing 80-plus population, and noted uncertainty around federal Older Americans Act funding after the federal disbursement agency was disbanded. To control costs, the office will manage intake and caseload growth in a fully state-funded home care program, but current clients will not lose services. Lipson also highlighted a new $1 million line item for local mini-grants to support age-friendly initiatives. In questions, members focused on elder scams, and Lipson said scams are increasing and the agency is working with banks, district attorneys, and public awareness campaigns. The Health Policy Commission’s Executive Director David Seltz presented the agency’s FY26 request and said the biggest challenge is health care affordability, with family premiums near $29,000 annually and many residents delaying care because of cost. He emphasized that recent legislation significantly expands HPC’s role through a new Office of Pharmaceutical Policy and Analysis, which will examine the drug supply chain and pricing, and a new Office of Health Resource Planning, which will support statewide planning around closures and access gaps. The new law also creates task forces on maternal health access and primary care, and adds transparency and oversight for private equity in health care. Members asked about pharmaceutical costs, GLP-1 weight-loss drugs, 340B, and maternal health closures; Seltz said the data show rapid growth in GLP-1 spending and that the new offices will help the state better understand cost drivers and access problems. The Center for Health Information and Analysis then began its testimony, describing its role as the state’s data hub for health care spending, utilization, quality, and affordability analysis.

Transcript Highlights:

• So, as an independent agency of the Commonwealth, CHIA serves as the state's primary hub for health care
• Now we are faced with looming cuts to Medicaid, which is generally the best payer for health centers.
• Another ongoing issue for health centers is under-reimbursement from commercial payers.
• Commercial payers also reimburse health centers less than Medicaid for the same services, despite all
• consumers, and they essentially... ...whose primary interest is to protect consumers.

Keywords: 995, all

Summary: The committee held an informational opening hearing for the Financial Services Committee, with Chair Murphy and Senator Feeney introducing new and returning members and explaining that no bills were being heard that day beyond brief introductory testimony. Commissioner of Banks Mary Gallagher thanked the committee for last session’s money transmission modernization law, and several members echoed appreciation for her office’s work. The hearing then featured a long series of stakeholder introductions and overviews of their priorities for the session. Testimony covered a wide range of financial, insurance, housing, health care, and consumer issues. Banking and mortgage groups discussed housing affordability, foreclosure delinquencies, flood insurance, regulatory changes, and the impact of federal policy shifts. Insurance representatives raised concerns about auto and homeowners market pressures, labor rates, tariffs, rebates, e-titling, third-party litigation funding, and public adjuster restrictions. Consumer and advocacy groups highlighted debt collection reform, earned wage access, retirement savings access, public banking, and consumer protections in financial services. Several speakers also emphasized the need for committee expertise and offered themselves as resources for future bills. Health-related organizations focused on insurance mandates, prior authorization, behavioral health access, pharmacy benefit manager reform, community health center funding, maternal health and midwifery reimbursement, and anesthesia reimbursement parity. Other groups, including credit unions, retailers, auto dealers, dental and medical associations, and behavioral health providers, described their roles in the Commonwealth and previewed legislation or policy areas they expect to follow this session. No votes were taken; the meeting was informational and ended after testimony from the sign-up list and a few late additions.

Transcript Highlights:

• work with each of the respective payers work with each of the respective payers in<00:54:53.200>
• information coming from other payers. information coming from other payers.
• Right now, we have a payer perspective, we have a provider perspective.
• Right now, we have a payer consumer.
• ><02:29:22.680> incentives aligning payer and deliver incentives aligning payer and deliver incentives

Keywords: 910, house, all

Transcript Highlights:

• Employers or payers can file disputed claims against employees, dependents, or beneficiaries under two
• By statute and administrative rule, I am bound to use our state guideline as our primary guideline.
• That necessarily gives them a primary interest and a primary responsibility for selecting the certified
• The payer has five business days to respond.
• The payer has five business days to respond.

Bills: HB282, HB293, HB390, HB456, HB460, HB561, HB819, HB1023, HB1047, HB1101

Keywords: employment discrimination, criminal history, rehabilitation, hiring process, human rights, gender identity, sexual orientation, workplace equality, labor rights, domestic abuse, unpaid leave, employee rights, workplace protection, mental health, survivor support, workers' compensation, employment benefits, claims process, fraud prevention, legal petition

Transcript Highlights:

• In direct primary care in small scope.
• We have after-hours primary care services for primary care.
• And one of those programs is the FQ Primary Care Access Pilot, which is an FQHC direct primary care program
• And one of those programs is the FQ Primary Care Access Pilot, which is an FQHC direct primary care program
• And one of those programs is the FQ Primary Care Access Pilot, which is an FQHC direct primary care program

Keywords: 1184, house, all

Transcript Highlights:

• Whether that's Medicare, Medicare Advantage, or Medicaid, these government payers and plans all fall
• <01:14:18.560> and Medicaid, these government payers and Medicaid, these government payers
• Primary care doctors and patients love it.
• Primary care doctors and patients love Primary care doctors and patients love it.<01:46:54.320> Instead
• /c><01:46:57.280> care external specialists, primary care external specialists, primary care providers

Keywords: 1187, senate, all

Transcript Highlights:

• of doing a different dance or working out a different playbook from health plan to health plan and payer
• to payer.
• understand the APS rules, but we've had individuals before that, you know, for concerns we've had in a primary
• trying to get them a safe place to discharge when, after they're medically stable, due to having no payer
• With Medicaid being the primary payer source, most of the skilled Services these individuals would qualify

Summary: The meeting focused on hospital “avoidable days” and the difficulty of discharging medically stable patients who still need post-acute placement or social services. Presenters from Saint Anthony Hospital Midtown, the Oklahoma Hospital Association, City Care, and OU Health described common barriers including lack of skilled nursing, rehab, long-term care, behavioral health, and hospice placements; insurance prior authorization delays; Medicaid and Social Security eligibility delays; guardianship and Adult Protective Services bottlenecks; limited home health and private duty nursing; and the challenge of placing unhoused, uninsured, or medically complex patients. Several speakers emphasized that these delays reduce bed availability, increase emergency department boarding, contribute to staff burnout, and expose patients to hospital-acquired conditions and other harms. The testimony included multiple examples of patients remaining in acute care for days, weeks, or even months after being medically ready for discharge, including patients awaiting guardianship, disability determinations, or placement in facilities willing to accept them. Speakers also highlighted special populations such as patients with behavioral health or substance use disorders, medically fragile children, patients with criminal histories, and unhoused individuals who need respite or hospice care. City Care described its planned 40-bed medical respite facility, set to open in 2027, as a way to provide clinical support and housing navigation for patients too sick to recover on the street or in shelters. Witnesses recommended policy and system changes such as standardizing preauthorization protocols, expanding rural swing-bed and home-based services, increasing public guardianship resources, improving data collection on homelessness, expanding private duty nursing hours, and creating more placement options for complex patients. They also suggested better coordination between hospitals, DHS, APS, the Health Department, and post-acute facilities, including a database of facility services to improve discharge planning and keep patients closer to home. No votes or formal committee actions were taken in the transcript, but the chair indicated the issue would require collaboration across multiple agencies and partners.

Transcript Highlights:

• The program is foundational to the stability of the primary care safety net.
• CHIA showed that access to primary care is eroding across the Commonwealth.
• Quality primary care is becoming harder and harder to access.
• We are seeing a very seismic shift in our payer mix.
• I'm also a pharmacist working in primary care at Mass General Hospital.

Keywords: 995, all

Summary: The committee held a lengthy hearing on a large docket of pharmacy and drug-pricing bills, with most testimony focused on PBM reform, 340B drug discount program protections, specialty medication access, and medication adherence. Chair James Murphy and Senator Paul Feeney opened the hearing and took testimony from legislators, patient advocates, pharmacists, health center leaders, industry representatives, and policy groups. Several speakers described delays, denials, high out-of-pocket costs, and pharmacy closures tied to PBM practices, while others emphasized the importance of community health centers and independent pharmacies in serving patients. On the 340B program, supporters including Senator Eldridge, Senator Payano, Community Care Cooperative, Fenway Health, the Massachusetts League of Community Health Centers, and several community health center leaders argued that bills such as H. 1107 and S. 819 would stop discriminatory PBM and manufacturer practices, preserve contract pharmacy access, and protect safety-net providers that say they reinvest savings into care, pharmacy expansion, interpreter services, behavioral health, and other services. Opponents including PhRMA, the Community Liver Alliance, and a public policy analyst argued the program lacks transparency and accountability, has grown beyond its original purpose, and may benefit large hospitals and for-profit entities more than low-income patients. They urged more reporting and oversight rather than expanding protections. On PBM reform, testimony supported bills including H. 1157, H. 1234, S. 724, S. 831, and related measures that would require rebate pass-through, ban spread pricing, limit steering to PBM-owned pharmacies, and improve reimbursement for community pharmacies. Independent pharmacists and patients said current PBM practices raise costs, create administrative burdens, and threaten access to local pharmacies. PCMA, representing PBMs, opposed the reforms, arguing PBMs lower costs, that plan sponsors choose to contract with them, and that the Health Policy Commission and CHIA should complete their ongoing study before new mandates are adopted. The committee also heard support for H. 1322 and S. 734 on specialty medications, and for H. 781 and H. 1305 on medication synchronization to improve adherence. No votes or formal actions were taken during the hearing.

Transcript Highlights:

• The first one deals with direct primary care arrangements.
• Why does it say that every payer will use, shall use the system?
• measures relating to health equity and disparity in primary care.
• focus of providing primary care.
• , or excuse me, of private equity investment in primary ...primary or, excuse me, of private equity investment

Keywords: 995, all

Summary: The Senate considered a series of amendments to a primary care health care bill and also took up a separate literacy bill. Several amendments were withdrawn, including one on artificial intelligence in health care and others related to cost controls, direct primary care, and provider studies. The Senate adopted amendments on preserving access to treatment for serious mental illness, modernizing the definition of primary care, clarifying payment rates for community health centers, excluding pharmaceutical spending from primary care expenditure calculations, and strengthening health equity reporting. Other amendments on rate bands, alternative payment systems, private equity reporting, scope of practice, and ownership disclosure were rejected. The Senate then approved the Ways and Means amendment and ordered the primary care bill to a third reading. The chamber also took up final passage of An Act Relative to Teachers Preparation and Student Literacy, with senators describing it as a long-awaited compromise focused on improving early reading outcomes. Supporters said the bill requires evidence-based K-3 literacy curricula, regular student screening and family notification, dyslexia screening protocols, professional development for teachers, and a free state-developed curriculum option. Senators emphasized the need to address declining third-grade reading proficiency and equity gaps. The bill passed to be enacted by a unanimous roll call and was sent to the Governor. After the literacy bill, the Senate returned to the primary care bill, where senators again debated cost containment, innovation, and access. The final version included the adopted amendments and was passed to be engrossed by a roll call vote of 35-4. The Senate then adopted an adjournment order and recessed, adjourning in memory of Henry Thomas III, former Representative Ben Swan, and Mr. Dennis Frane.

Transcript Highlights:

• primary kind of guidelines. primary kind of guidelines. >> Thank<00:29:51.600> you.
• <02:28:24.880> Not innation presidential primary. Not innation presidential primary.
• New Hampshire already has this model for primary care. It’s called direct primary care, or DPC.
• It's called model for primary care.
• facilities to accept all payers. facilities to accept all payers.

Keywords: 1189, house, all

Transcript Highlights:

• utility, a data dashboard, an all payers utility, a data dashboard, an all payers claims<01:03:36.840
• Primary care case management, where you are paying a monthly fee, generally to a doctor to do that primary
• <01:41:10.480> So, enough primary care physicians. So, enough primary care physicians.
• <01:41:12.400> care we're using the ER as the primary care we're using the ER as the primary
• And primary care physicians are there.

Keywords: 958, all

Summary: The Medicaid Oversight and Advisory Board met on September 24, 2025, approved the minutes from the September 9 meeting, and then continued its discussion of Medicaid waivers with Leslie Hoffman and Carmen Hancock from the Department for Medicaid Services. Members asked for updates on the 2024 waiver waitlist management assessment recommendations, including aligning waiver policies, standardizing applications and waitlist placement, and modernizing data systems. DMS said that work is being done jointly with Aging and Independent Living and Behavioral Health/Developmental and Intellectual Disabilities through task forces, that ARPA spending delayed action, and that implementation timelines extend through March 2027. The board also reviewed per-member waiver cost averages for fiscal years 2023 through 2025 for ABI, ABI long-term care, HCBS, Model II, Michelle P, and SCL. DMS emphasized these figures were benefit-only averages based on paid claims, not full waiver costs, and explained that true budget neutrality is calculated on an aggregate basis against institutional care comparisons approved by CMS. DMS said all six waivers remain in compliance with budget neutrality and that the most recent 18-month lag review for FY 2022 and FY 2023 found costs at or below institutional care. Members also asked about unused waiver slots; DMS said slots generally cannot be reallocated mid-year if they have been used, except in cases such as death or reserved capacity, because CMS treats participants as unduplicated for the waiver year. A major portion of the meeting focused on the new child waiver created under House Bill 6. Legislators questioned whether the waiver’s design, including the exclusion of participant-directed services and the emphasis on high-acuity children with behavioral health, DCBS, or juvenile justice involvement, matched the bill’s intent to keep children at home. DMS said it used the $14.7 million appropriated for FY 2026 to develop the program, that there is no priority list, and that the waiver is intended to serve the highest-acuity children while also addressing residential needs for those sleeping in offices or placed out of state. Members also raised concerns about the rapid growth of the HCBS waiting list and asked for more detail on age and timing patterns, which DMS said it would provide later. Finally, DMS gave average processing times from application to eligibility determination and from approval to service start, and said the overall average from application to services beginning was about 80 days, while members requested follow-up information on the Carewise assessment contract and related costs.

Transcript Highlights:

• to do with the local payers to do with the local payers um um um respectfully<00:20:51.880> and
• >> The primary physician. Yeah. Yeah.
• legislature, you assigned the all payer legislature, you assigned the all payer claims<01:42:29.160
• And all payers claim claims database.
• all payers here locally in the state. all payers here locally in the state.

Bills: HB2323, HB2324, HB1509, HB2164, HB2165, HB2367, HB2619, HB1765, HB2187, HB1864, HB1452, HB2314, HB1898, HB2558, HB2319, HB1643, HB2121

Keywords: workers' compensation, treatment plans, vocational rehabilitation, electronic submission, reporting requirements, occupational safety, hoisting machines, discrimination protection, Department of Labor, safety standards, treatment plan, injured worker, medical treatment authorization, employer response deadline, secure electronic transmission, facsimile, fax, mail submission, denial of care, medical necessity

Summary: The committee heard several administration bills related largely to workers’ compensation and unemployment insurance. On HB 2323 HD1, which would modernize workers’ compensation notice and filing procedures, DLIR and other agencies testified in support of the original bill language but said HD1 removed key components and weakened the bill’s clarity and continuity. HB 2324 HD1, which would repeal state hoisting-machine certification requirements and the separate crane operator certificate, drew support from DLIR; members asked about whether the change would affect safety or local operators, and DLIR said OSHA-compliant certifications already exist and the union supported the change. HB 1509 HD1, which would require faster employer responses to treatment plans and impose penalties for nonresponse, received support from DLIR and others, while DHRD said it wanted an amendment. The committee also took up HB 2164 HD1 on compounded prescription drugs in workers’ compensation. DLIR supported the bill as a way to define compounded drugs and curb inflated pricing, but DHRD and a medical provider opposed it and asked for amendments. Testimony focused heavily on whether the definition should include 503B compounding facilities and whether physician dispensing should be limited to the first 30 days after injury. HB 2165 HD1, dealing with unemployment insurance eligibility and removing the two-year limit on recouping overpayments, was supported by DLIR but opposed by Unite Here Local 5, which argued it would make it harder for striking workers and other claimants. Members questioned the impact of changing reporting deadlines from calendar days to business days and raised concerns about future benefit offsets; DLIR said the bill was needed for federal conformity and that the committee would revisit the offset percentage and effective date. Later, the committee heard HB 2367 on pay transparency, requiring salary ranges in job postings and removing the small-employer exemption. The Hawaii Civil Rights Commission, AAUW, Hawaii Women Lawyers, and an individual testifier supported the bill, saying pay transparency promotes fairness, trust, and pay equity; one testifier described being underpaid compared with a predecessor and said posting ranges would save applicants’ time. HB 2619 HD1, concerning homemade food products and farm kitchens, received generally supportive comments from the Department of Health, which requested an amendment to preserve flexibility in future rulemaking. HB 1765 HD1, on spear-fishing safety warnings, drew support from a safety educator and comments from DLNR; supporters said warning labels would help prevent hypoxic blackout deaths and were low-cost and easy to implement. No votes or final committee actions were taken in the portion of the meeting provided.

Transcript Highlights:

• In those years, she went to her primary In those years, she went to her primary care<00:35:33.359
• <01:09:27.920> referral they're coming as their primary referral they're coming as their primary
• the parking lot after I saw my primary the parking lot after I saw my primary care<01:21:14.560>
• So to tie commercial payers are paying.
• payers and I've heard about insurers. payers and I've heard about insurers.

Keywords: 1191, senate, all