Transcript Highlights:

• This keeps rates more stable and done.
• How do we protect those rate payers?
• How do we protect those rate payers?
• But as those assumptions change from one rate case to the other, then the rates change with that.
• </c> rate increase for at least three years. rate increase for at least three years.

Committee: House Natural Resources & Energy

Keywords: Meeting Start 00:00 Attendance Roll Call 00:02 HB 398 Discussion 01:01 HB 398 Roll Call Vote 16:09 Chair Comments 18:05, 958, all

Transcript Highlights:

• </c> rates to each consumer within that area. rates to each consumer within that area.
• </c> expenses that is included in the rates expenses that is included in the rates and<00:04:51.520><
• </c> the rate payers in the service area. the rate payers in the service area.
• </c> the lowest rates in the nation. the lowest rates in the nation.
• </c> afford the rates as they currently are. afford the rates as they currently are.

Committee: Senate Natural Resources & Energy

Keywords: Meeting Start 00:00:00 Attendance Roll Call 00:00:38 SB 213 Discussion 00:01:23 SB 213 Roll Call Vote 00:20:45 SB 8 Discussion 00:26:23 SB 8 Roll Call Vote 00:58:16, 958, all

Transcript Highlights:

• as the sum of the home care agency administrative rate and the portion of the vendor rate dedicated
• The bill defines the administrative rate as the portion of the home care agency vendor rate designated
• For this administrative rate, the rate-setting board may not make a recommendation that is more than
• rate.
• rate.

Bills: SB5109 , SB5835 , SB6065

Committee: House Appropriations

Keywords: mortgage lending, fraud, prosecution, financial regulations, consumer protection, retirement, lump sum payment, benefits, pension, financial security, SB 6065, school district transportation, transportation vehicle fund, pupil transportation, school buses, electric school buses, zero-emission buses, bus fleet electrification, charging stations, vehicle replacement

Transcript Highlights:

• regulation experts to complete the rate review of a rate filing within 60 days of the public notice
• Well, and it's going to raise rates.
• And the rate has to reflect the risk, and we all have to pay for, you know, fair rates and for where
• rate increases?
• And by the way, all these rates, all these rate filings were approved within under the 120 rule. rates

Committee: House Insurance

Keywords: 988, house, all

Transcript Highlights:

• an inadequate rate, and I can't approve an unfairly discriminatory rate.
• other rating factor, accounted for in that rate-making process.
• You have what the rate, what the approved rate by the office is.
• a decrease in rate.
• Because when you look at rates, and what we think of as rates is rate per thousand, so for each $1,000

Summary: The subcommittee held its first meeting on homeowners property insurance, with members from both parties introducing themselves and repeatedly noting that insurance affordability, roof condition, claims handling, and storm recovery are top concerns for their districts. Chair Yeager said the meeting was intended as an educational discussion rather than a legislative debate, and introduced a panel that included Insurance Commissioner Mike Yaworski, consumer Chad Carr, agent Mary Catherine Lawler, insurer executive Melissa Burt DeVries, and policyholder attorney Chip Merlin. The panel and members discussed major cost drivers in Florida homeowners insurance, including inflation, home age, roof age, mitigation features, claims history, litigation costs, reinsurance, and the Florida Hurricane Catastrophe Fund. Commissioner Yaworski said underwriting has become more sophisticated and that litigation costs, reinsurance, and replacement-cost inflation all affect premiums; he also said litigation is down about 30% and average requested rate increases have fallen from about 22.1% in 2022 to 0.8% today. DeVries said age of home, replacement cost, roof age, and coverage choices can materially change premiums, and explained that reinsurance is a major expense passed through to consumers. Merlin emphasized transparency concerns, argued that insurers are increasingly individualizing risk, and said consumers often struggle with coverage limits, deductibles, and claim denials. Members asked about flood coverage, hurricane deductibles, managed repair programs, mitigation credits, new insurer capitalization, and whether savings from reforms are reaching consumers. Yaworski explained that flood is generally excluded from homeowners policies and covered separately, that hurricane deductibles are mandatory in Florida and usually around 5%, and that the office tracks savings from reforms through rate filings and insurer discussions. He said the state is updating mitigation discounts and monitoring new entrants closely for solvency and market conduct. Several members and panelists said recent reforms have helped reduce some abuses and litigation, but many consumers are still seeing higher premiums because replacement costs and reinsurance remain elevated. No votes or formal actions were taken.

Transcript Highlights:

• Here we show the federal funds rate and the 30-year fixed mortgage rate.
• The federal funds rate and other interest rates like the 30-year fixed mortgage rate are closely, but
• or delayed lowering of rates.
• to their target rate of 2%.
• to their target rate of 2%.

Keywords: 919, house, all

Summary: Minnesota Management and Budget presented the February 2025 budget and economic forecast, with Commissioner Aon Campbell, State Economist Anthony Becker, and Budget Director Anam Mingi outlining updated revenue, spending, and long-term balance projections. The state’s FY 2026-27 general fund outlook remains positive but weaker than in November, with an ending balance of $456 million, down $160 million from the prior forecast. Looking ahead, the planning years FY 2028-29 show a projected deficit of just under $6 billion, driven largely by spending growth outpacing revenues. Officials emphasized that discretionary inflation is a major factor in the forecast, but also noted that those amounts are not automatically appropriated and would require legislative action. Becker said the national outlook has changed since November, with higher expected inflation, higher interest rates for longer, and slower growth in later years. He highlighted uncertainty around tariffs, trade policy, immigration policy, federal spending, and possible changes to tax and debt-ceiling policy, all of which could affect Minnesota’s economy and revenues. Minnesota’s labor market remains tight, with low unemployment and rising wages, and the revenue forecast was revised upward overall for FY 2026-27, including higher income and sales tax receipts, though corporate tax revenue was slightly lower than previously projected. Mingi said projected general fund spending is up $79 million in FY 2026-27 and $960 million in FY 2028-29 compared with November. The largest increases are in education and health and human services, especially due to inflation, higher pupil counts, special education costs, long-term care, and higher Medical Assistance spending. She noted that higher utilization of weight-loss drugs also raises Medicaid costs, and that a smaller assumed bonding bill helps offset some debt service costs. The commissioner and staff repeatedly warned that federal policy changes, especially possible Medicaid reductions, pose a major risk; they said Minnesota could face billions in lost federal funding, including a potential $2.4 billion hit if the enhanced Medicaid match for adults without children were eliminated. No votes or legislative actions were taken in the presentation.

Transcript Highlights:

• full rates, including decisions made by this council.
• and sort of what latitude there is to adjust rates?
• So it relates to the premium rate. The initial premium rate in statute is 0.58% of wages.
• The premium rate shall be set by the Pension Funding Council at a rate greater than 0.58%.
• The premium rate, no greater than 0.58%.

Committee: Joint Pension Funding Council

Summary: The Pension Funding Council met on October 8 with introductions from council members and staff, then received a detailed presentation from the Office of the State Actuary on long-term economic assumptions and the state pension systems’ financial condition. OSA reported that the combined pension systems are currently 100% funded on a smoothed basis, with open plans above 95% funded, and that legacy Plan 1 systems remain on a path toward full funding under current policy. The actuaries recommended updating assumptions to 3% inflation, 3.5% general salary growth, and a 7.25% investment return, while keeping Plan 1 membership growth at 1%. They also explained asset smoothing, the role of recent strong investment returns, and the expected budget impacts of the recommended changes. Representatives from the Economic and Revenue Forecast Council and the State Investment Board offered supporting perspectives, generally describing the assumptions as reasonable and consistent with their own outlooks. The council also heard an overview of the Long-Term Services and Supports Trust Program (WACares) from DSHS and OSA. Program staff described the program’s social insurance structure, premium collection, benefit eligibility, and upcoming implementation milestones. OSA reported that the program’s first actuarial valuation showed a positive actuarial balance under the base scenario and recommended no change to the current 0.58% premium rate during the program’s early learning phase, noting that future changes would depend on experience and the program’s risk-management framework. OSA also said the recommendation would remain the same regardless of the outcome of the pending ballot measure affecting investment options. During public comment, a representative of the Washington State School Retirees Association urged continued work on Plan 1 funding and related legislation, while the Association of Washington Cities cautioned against increasing pension assumptions in a way that could raise future employer costs and reduce flexibility for current local government services. In action, the council adopted a motion to maintain the current long-term economic assumptions by a 4-2 vote, adopted the recommendation to keep the WACares premium rate at 0.58% by a 6-0 vote, and then elected Katie Chapman as council chair by unanimous vote. The meeting then adjourned.

Transcript Highlights:

• L&I will not increase rates for any class by more than 25 percent compared to the overall rate change
• . and in Rates for any class by more than 25 percent compared to the overall rate change.
• rate...
• when we're raising rates or lowering rates.
• , it would publish the rate it took and the indicated rate.

Bills: HB2188 , HB2563 , HB1571 , HB2144 , HB2191 , HB2218 , HB2243 , HB2372

Committee: House Labor & Workplace Standards

Keywords: transparency, industrial insurance, insurance rate increases, financial disclosure, regulatory oversight, unemployment, electronic notices, compensation, digital communication, order processing, workers' compensation, occupational disease, firefighters, fire investigators, law enforcement officers, first responders, heart disease, cardiac conditions, respiratory disease, cancer presumption

Transcript Highlights:

• in one of the lowest rates in error rate in one of the lowest rates in the<00:20:35.960><c> nation,<
• </c><00:29:31.480><c> Um</c> error rate. Um error rate.
• They'll be based on either your 2025 error rate or 2026 error rate.
• </c><00:53:16.200><c> So,</c> 2025 error rate or 2026 error rate.
• So, 2025 error rate or 2026 error rate.

Committee: Senate Families & Children

Keywords: 958, all

Transcript Highlights:

• rate processing the rate making process could not keep up with the rate need that existed due to accumulation
• In the rate.
• The rate is a good way to put it that I try to convey to people is the rate that we said as the state
• are finally at any given time, rates can change every rates different.
• We're charging rate based on expectations of really by in 2016, based on that time period, the rate,

Transcript Highlights:

• are lower than our 5% rate.
• If you pay the surtax and the base rate, that would be your top marginal rate.
• If you pay the surtax and the base rate, that would be your top marginal rate.
• dividends at a higher rate.
• The birth rate is cyclical.

Keywords: 995, all

Summary: The Special Joint Committee on Initiative Petitions held a public hearing on two proposed ballot initiatives: one to reduce the state personal income tax rate from 5% to 4% over three years, and another to revise the state’s tax collection cap/62F process so it would be based on prior-year collections plus wage growth and include surtax revenue. The committee chair and House co-chair outlined the hearing process, and the first witness was Doug Howgate of the Massachusetts Taxpayer Foundation, who testified as the committee’s subject-matter expert on both measures. He said the income tax proposal would lower taxes broadly but would reduce state revenue by about $5.4 billion when fully implemented, with an estimated $800 million hit in FY27, and he discussed possible effects on competitiveness, taxpayer savings, and public finances. On the 62F proposal, he said the revised cap would make refunds more likely, could have produced several large refunds in recent years, and would reduce stabilization fund deposits and constrain recovery after recessions. Committee members questioned Howgate about competitiveness, outmigration, prior tax ballot measures, spending growth, MassHealth, and the interaction between the income tax and surtax. He emphasized that taxes are only one part of the state’s overall competitiveness and that housing, public services, and other factors also matter. He also noted that the surtax is constitutionally restricted but can still support ongoing spending choices. After his testimony, the committee moved to the proponents’ panel. Proponents of both initiatives, including representatives from Taxpayers for an Affordable Massachusetts, the National Federation of Independent Business, Pioneer Institute, and the Mass Opportunity Alliance, argued that the measures would improve affordability, help retain residents and businesses, and support job growth. They cited polling support, outmigration, small-business reinvestment, and comparisons to lower-tax states such as North Carolina. Their economist, Rebecca Paxton, said her model showed smaller revenue losses than critics claim and projected that the revised revenue cap would not create additional annual revenue losses while producing more regular taxpayer refunds. Committee members pressed the panel on competitiveness, prior ballot initiative implementation, and whether the measures would actually address broader affordability pressures; the hearing ended with the committee continuing to take questions from the proponents.

Transcript Highlights:

• </c> of rate of return. of rate of return.
• That was more based on just traditional rate making, those rate increases.
• That was more based on just traditional rate making, those rate increases.
• That was more based on just traditional rate making, those rate increases.
• That was more based on just traditional rate making, those rate increases.

Committee: Senate Energy and Natural Resources

Keywords: 1191, senate, all

Transcript Highlights:

• The current rules and procedures of the rate-setting process fail to lead to adequate rates.
• rate-setting process...
• The rules and procedures of the rate-setting process failed to lead to adequate rates.
• Most of the new rates actually just made those rate add-ons permanent.
• Most of the new rates actually just made those rate add-ons permanent.

Committee: Joint Joint Committee on Health Care Financing

Keywords: 995, all

Summary: The Joint Committee on Health Care Financing held a public hearing focused on two broad sets of issues: home- and community-based care, and school-based Medicaid reimbursement. In the morning session, legislators and advocates testified on bills affecting children and disabled enrollees, including proposals to clarify rate-setting for home health and home care services (H. 767/S. 870), allow family members and spouses to be paid caregivers under MassHealth (H. 1394/S. 886 and related bills), extend MassHealth coverage for applied behavior analysis and other therapies beyond age 21 for adults with autism and developmental disabilities (H. 1351/S. 871), and protect medically fragile children by improving access to continuous skilled nursing. In the later portion of the hearing, testimony shifted to a bill to improve MassHealth reimbursement for schools (S. 862), with speakers describing the school mental health crisis and the need to reinvest Medicaid funds directly into school health services. Witnesses on the home care rate-setting bill said current reimbursement methods are opaque and outdated, contributing to workforce shortages, unfilled shifts, long waitlists, and patients remaining in hospitals longer than necessary. Home care providers and trade groups argued the bill would not set rates directly but would require more transparent methodology and fuller consideration of real costs such as wages, benefits, taxes, training, and technology. On caregiver bills, many family members and provider organizations described the financial and emotional strain of caring for disabled or medically fragile relatives, especially when parents, spouses, or guardians are barred from being paid caregivers. They argued the bills would recognize existing unpaid care, help families remain at home, and reduce reliance on more expensive institutional care. Advocates for adult ABA coverage said services remain medically necessary after age 21 and that ending coverage at that age creates an inequitable “cliff” for MassHealth members compared with those with private insurance. For the PACE/community care bill, elder law attorneys and PACE advocates said current MassHealth income rules force some older adults with modestly higher incomes to spend down to $542 per month, making community living unrealistic and pushing people toward nursing homes. They supported changing the eligibility structure to a premium-based approach that would allow more people to remain in the community. On the school Medicaid bill, advocates said schools are providing effective, preventive mental health care, but reimbursement currently flows to municipalities rather than directly back to school health budgets, limiting districts’ ability to hire and retain staff. No votes were taken during the hearing; the committee heard testimony and several witnesses requested favorable reports on the bills.

Transcript Highlights:

• complete rate filings in support of the request.
• In the meantime, my rate regulation branch, which reviews insurance company rate filings, is making significant
• reflect the rate and the risk.
• approve those rate files.
• And number two, how much are my rates going to go up?

Summary: The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0. The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026. Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.

Transcript Highlights:

• and the supplemental poverty rate.
• On page two, New Mexico has low rates of labor force participation and high rates of poverty.
• rate is 4.3%.
• About payment error rates.
• To address the payment error rate.

Transcript Highlights:

• This amendment would introduce a market rate survey response rate requirement.
• If a rate region does not achieve 65% yet has a response rate above 40% and has also improved Yet has
• a response rate above 40% and has also improved the response rate in that rate region from the prior
• This would also allow the survey results for that rate region to be valid for purposes of future rate
• This means that if one rate region satisfies the response rate requirement, a statutory rate increase

Bills: HB2487

Committee: Senate Ways & Means

Keywords: insurance tax, state regulation, insurers, taxation, budget impact, 904, all

Transcript Highlights:

• That rate is still in effect. That rate is still in effect today, 75% of the 1987 UCR.
• </c> lower than 60% of the commercial rates. lower than 60% of the commercial rates.
• rates.
• rate should be in order to what rate the rate should be in order to have<00:37:06.880><c> an</c><00:37
• </c> the fee schedule rate setting. the fee schedule rate setting.

Keywords: 958, all

Summary: The Medicaid Oversight and Advisory Board meeting began with a roll call and approval of the October 7 meeting minutes. The chair then reordered the agenda to hear the item on Medicaid reimbursement rates and network adequacy first because of scheduling issues. Dr. Steve Robertson of the Kentucky Dental Association was sworn in and testified at length about Kentucky’s dental Medicaid program, arguing that reimbursement rates are unsustainably low, have been largely flat for decades, and are often below the cost of providing care. He said Kentucky ranks near the bottom nationally in oral health, dental Medicaid rates are often 60% or less of commercial rates, and the program’s share of the Medicaid budget has effectively remained around 2% despite growth in enrollment and services. Dr. Robertson said the low rates are contributing to provider losses, rural access gaps, longer wait times, dental deserts, and greater use of emergency rooms for preventable dental problems. He cited examples of office costs exceeding reimbursement for basic procedures, noted that many dentists are small private businesses, and said the state is struggling to recruit and retain dentists because of low payment levels and high student debt. He also pointed to disparities with neighboring states and said recent increases in some oral surgery and cleaning codes were not enough to address the broader problem. His recommendations included completing the rebasing study, increasing dental reimbursement in the upcoming budget, tying future reviews to inflation and cost data, aligning benchmarks, and prioritizing preventive and restorative care to improve workforce stability and access. Board members asked about the size of the needed increase, the effect of private insurance on dental practice finances, and what a new dentist might expect to earn. Dr. Robertson said the association is working on an appropriations request and that private insurance pressures are part of the problem as well, since many plans are HMOs or PPOs with limited provider control over rates. He also said the association can no longer conduct reimbursement surveys because of FTC restrictions, but would try to obtain current ADA data. In response to questions about the future of the program, he warned that without significant changes it could become unsustainable and cited Ohio and Missouri as examples where higher reimbursement improved provider participation and access. The board then heard from Mr. Bowman of Baldwin Consulting, who discussed outpatient behavioral health providers, including ABA therapy and mental health/substance use disorder services. He said these providers face similar issues of rising costs, flat reimbursement, and access problems. He reviewed Kentucky’s network adequacy standards, including travel-time standards, 30-day appointment limits, and newer federal requirements that will require services within 10 business days by 2029. He said wait times for outpatient behavioral health, especially children’s services and ABA, have grown substantially, sometimes to more than a year, and emphasized that the Medicaid department must enforce these standards.

Transcript Highlights:

• assistance rate.
• We increased rates from around 100% of Medicare. We benchmark our rates to what Medicare spent.
• and other rates.
• plus the federal match rate.
• the Medicare payment rate.

Committee: House Federal Funding Stabilization Subcommittee

Transcript Highlights:

• Rates for any class by more than 25 percent compared to the overall rate change.
• when we're raising rates or lowering rates.
• would publish what rate we took and what the indicated rate was.
• So in 2026, for example, you've heard the indicated rate, the break-even rate, was 13%.
• a 4.9% rate increase.

Summary: The Labor and Workplace Standards Committee met on January 28, 2026, first hearing staff briefings and then taking executive action on House Bills 1571, 2144, 2191, and 2372. HB 1571 would make heart conditions a presumptive occupational disease for certain firefighters and law enforcement officers; members spoke in support of the bill as a response to the stresses and exposures of those jobs, and it was reported out 8-1 with a do-pass recommendation. HB 2144 would require notice to employees when employers use electronic monitoring for performance evaluations. The committee considered several amendments to a proposed substitute, adopting an amendment clarifying private communications protections but rejecting amendments to broaden emergency exceptions and remove the private right of action. The bill, as amended, passed 6-3. HB 2191 concerns wages in the construction industry and employer/contractor liability for unpaid wages. The committee considered a proposed substitute and several amendments. Members rejected amendments to include public entities as owners and to extend the right to cure to subcontractors, but adopted amendments removing Attorney General enforcement authority and making additional clarifying changes. Supporters emphasized accountability for unpaid wages and protecting vulnerable workers; opponents raised concerns about the scope of liability. The amended bill was reported out 6-3. HB 2372 would require workers’ compensation time loss benefits to include the full employer health care premium contribution rather than a partial percentage. An amendment to add L&I invoice and notice requirements and bar attorney fees on the health-care-premium portion was rejected, and the bill was then reported out 6-3. The committee also held public hearings on HB 2563 and HB 2188. HB 2563 would allow the Office of Administrative Hearings to automatically serve unemployment-case notices electronically during a pilot period ending July 30, 2029. OAH testified that the change would reduce mailing costs and improve service, while the Unemployment Law Project warned it would harm claimants with limited digital access and create procedural barriers; no action was taken during the hearing. HB 2188 would require L&I to publish actuarial indicated workers’ compensation rates and explain when rate caps shift costs to other classes. Business groups supported the transparency measure, and L&I testified it could provide the information and that the bill would have no fiscal impact; the hearing was closed without action.

Transcript Highlights:

• regulation experts to complete the rate review of a rate filing within 60 days of the public notice
• So that wasn't in the rate filing? I thought maybe that was in the rate application. Yeah, no.
• Well, and it's going to raise rates.
• And the rate has to reflect the risk, and we all have to pay for fair rates and for where we live, and
• And by the way, all these rates, all these rate filings were approved within under the 120 rule. rates

Summary: The Assembly Insurance Committee held an oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy (SIS), with Insurance Commissioner Ricardo Lara providing a detailed update on implementation after the January 2025 Los Angeles wildfires. Lara said the strategy has helped stabilize the market, speed claims payments, and keep insurers in California, citing $22.4 billion paid to wildfire survivors, 94% of 4,121 claims paid fully or partially, $210 million returned through department investigations, and a 27% reduction in claim closure time. He said major insurers, including Mercury, CSAA, USAA companies, Pacific Specialty, and California Casualty, have filed under SIS, with several more filings pending, and that approvals have generally been completed within 100 days of public notice. He also discussed modernization of rate review, a new data reconciliation tool, a planned regulation to require rate reviews within 60 days plus a possible 30-day extension, and ongoing work on Fair Plan oversight, wildfire risk modeling, and mitigation standards such as Zone Zero. Committee members focused on wildfire survivor non-renewals, Fair Plan growth, claim handling timelines, and whether new legislative proposals could help or hinder market stability. Lara said visible consumer relief should begin in 12 to 24 months, with broader market stabilization expected over three to five years, and emphasized that mitigation, faster rate review, and insurer participation are key to reducing reliance on the Fair Plan. He also highlighted his 22-bill package, including SB 876 on disaster claims handling, AB 1795 on smoke damage standards, AB 1680 on Fair Plan accountability, and reforms to the intervener process. Members raised concerns about balancing consumer protections with insurer participation, and Lara said the Legislature should weigh those tradeoffs through the committee process. Public commenters were divided but generally acknowledged the importance of the issue. Consumer and survivor advocates argued that insurers still delay or underpay claims and that more protections are needed, while industry representatives praised the department’s work and urged caution so the new system is not undermined. Several speakers stressed the need for mitigation, Zone Zero rules, and adequate rates, while others warned that wildfire and liability insurance problems are affecting foster care providers, commercial coverage, and utility wildfire costs. The hearing concluded with the committee adjourned after public comment.