Video & Transcript Research : 'food packaging'
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TX
Texas 89th Regular
S/C on Disease Prevention & Women's & Children's Health Apr 17th, 2025
S/C on Disease Prevention & Women's & Children's Health
Transcript Highlights:
- If they don't, the foods they eat will exacerbate the disease, as they'll be consuming unhealthy foods
- noise in their head telling them to eat more food, or to specifically seek out the really savory foods
- , the high-fat foods, or high-sugar foods.
- And then the convenient food is the food that's quick and tasty and high in calories.
- Fast food and junk food, and there’s never a combination of recipes from those three things. ...that
Keywords:
HB 231, Texas Water Code, TCEQ, permit exemption, dam, reservoir, erosion control, flood control, floodwater control, sediment control, watershed protection, Natural Resources Conservation Service, NRCS, Watershed Protection and Flood Prevention Act, local sponsor, water appropriation, small dam, water diversion, maintenance, rehabilitation
TX
Texas 89th Regular
S/C on Disease Prevention & Women's & Children's Health Apr 17th, 2025
S/C on Disease Prevention & Women's & Children's Health
Transcript Highlights:
- We know that food deserts exist.
- for longer opening hours in food deserts?
- rate of food insecurity in the nation.
- Food deserts are a public health issue.
- healthy foods.
Keywords:
food access, food deserts, communities of color, health disparities, socioeconomic impact, nutritious food, health effects, socioeconomic disparities, legislative recommendations, nutrition, access to food, Medicaid, multisystemic therapy, healthcare, reimbursement, mental health services, education, funding, local control, school system
OK
Oklahoma 2026 Regular Session
Senate Legislative Session May 4th, 2026 at 01:30 pm
Oklahoma Senate Floor Meeting
Transcript Highlights:
- The intent of the bill is to provide packaging restrictions and to prohibit edible medical marijuana
Bills:
SR28, SB201, SB1379, SB1525, SB1966, SB2112, SB2170, HB2749, HB3262, HB3265, HB3673, HB3781, HB3040, HB3076, HB3369, HB3982, HB3462, HB3465, HB3521, HB3796, HB3800, HB4095, HB4298, HB4316, HB4338, HB4408, HB4454
Keywords:
alpha-gal syndrome, alpha gal, tick-borne illness, tick bite allergy, red meat allergy, meat allergy, dairy allergy, anaphylaxis, Lyme disease, public health, tick prevention, vector-borne disease, allergy awareness, May awareness month, Oklahoma Department of Health, outdoor safety, health education, research funding, minimum salary, education funding
OK
Oklahoma 2026 Regular Session
Senate Legislative Session May 4th, 2026
Oklahoma Senate Floor Meeting
Transcript Highlights:
- Leader, I had so much fun with the food truck bill last year, I decided I’d do it again.
- The intent of the bill is to provide packaging restrictions and to prohibit edible medical marijuana
Bills:
SR28, SB201, SB1379, SB1525, SB1966, SB2112, SB2170, HB2749, HB3262, HB3265, HB3673, HB3781, HB3040, HB3076, HB3369, HB3982, HB3462, HB3465, HB3521, HB3796, HB3800, HB4095, HB4298, HB4316, HB4338, HB4408, HB4454
Keywords:
alpha-gal syndrome, alpha gal, tick-borne illness, tick bite allergy, red meat allergy, meat allergy, dairy allergy, anaphylaxis, Lyme disease, public health, tick prevention, vector-borne disease, allergy awareness, May awareness month, Oklahoma Department of Health, outdoor safety, health education, research funding, minimum salary, education funding
Summary:
The Senate convened with prayer, the Pledge of Allegiance, and a special family recitation of the Declaration of Independence by Senator Hamilton’s children. The chamber then adopted SR 28, recognizing May as Alpha-Gal Awareness and Prevention Month in Oklahoma and encouraging awareness, prevention, and research on alpha-gal syndrome, a tick-borne allergic condition. Senator Seifried also introduced constituents affected by alpha-gal. Later, the Senate heard a gallery introduction from advocates for victims of impaired driving, highlighting the toll of DUI-related crashes in Oklahoma.
The Senate then took up several House amendments and final-passage votes on bills. SB 201, clarifying that a teacher pay raise applies to certified classroom teachers, passed 47-0 and was advanced as an emergency. SB 1379, SB 1525, SB 1966, SB 2112, and SB 2170 also passed after adoption of House amendments, with SB 1525 and SB 1379 advanced as emergency measures. SB 1525 raised the threshold for contracting to host a conference from $25,000 to $75,000, and SB 1966 served as the annual omnibus highway, memorial highway, and bridge designation bill.
Among the House bills considered, HB 3262 increased the sheriff fee for service of process from $50 to $100 and passed 37-8. HB 3265 allowed a psychologist to make PTSD determinations for the Oklahoma Police Pension and Retirement System and passed 47-0. HB 3781, a major insurance modernization bill changing rate-filing procedures for homeowners insurance and expanding the insurance commissioner’s review authority, passed 39-6 after extended debate over transparency, regulation, and market impact. HB 3040 expanded sex-offender loitering restrictions around businesses serving minors and passed 40-4, while HB 3076 authorized alternative teacher certification providers under OEQA oversight and passed 38-6 as an emergency measure.
The chamber also passed HB 3369, a deregulation and efficiency bill affecting fire suppression and LP gas inspections, HB 2749, which shifted an intergenerational education program toward a Medicaid state plan amendment, HB 3982 on fleet vehicle titling, HB 3462 creating a shorter residential-only plumbing licensure pathway, HB 3465 extending the Oklahoma Emission Reduction Technology Rebate Program to 2029, HB 3521 modernizing money transmission law, HB 3796 as an Oklahoma Insurance Department omnibus bill, HB 3800 as a roofing-industry cleanup bill, and HB 4095 modernizing the 211 hotline advisory council. Several of these measures drew debate over regulation, workforce needs, public safety, or fiscal and policy impacts, but all of the listed bills ultimately passed by recorded vote.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/13/25
Commerce Finance and Policy
Transcript Highlights:
- About 10 years ago, I was exploring opening a food hall in Minnesota where a variety of different food
- </c><00:13:52.600><c> Hall</c> our food Hall our food Hall operates<00:13:54.440><c> about</c><00:13:
- This is a food hall.
- University's College of food University's College of food Agricultural<00:34:35.560><c> and</c><00:34
- </c> are there would this necessitate food are there would this necessitate food and<00:58:52.559><c>
Bills:
HF1262, HF1741, HF472, HF1668, HF2055, HF1786, HF1876, HF1089, HF1121, HF509, HF1545, HF2027, HF642
Keywords:
food truck, liquor license, temporary license, community events, catering, municipal regulations, food hall, St. Louis Park, on-sale, intoxicating beverages, food vendors, common seating area, HF472, Mankato, Minnesota State University Mankato, MSU Mankato, Taylor Center, special liquor license, on-sale wine license, malt liquor license
AL
Alabama 2026 Regular Session
Alabama Senate Agriculture, Conservation, and Forestry Committee Apr 1st, 2026
Agriculture, Conservation and Forestry
Transcript Highlights:
- And I feel like everyone wants to know where their food comes from.
- the same standards to harvest or or use the same standards to harvest or or prepare or process the food
- <c> or</c><00:09:36.440><c> process</c> prepare or process prepare or process the<00:09:38.840><c> food
- 09:40.440><c> we</c><00:09:40.600><c> do</c><00:09:40.800><c> in</c><00:09:40.920><c> this</c> the food
- substance that we do in this the food substance that we do in this country. country. country.
Keywords:
HB444, vaccines, vaccine exemption, religious exemption, religious liberty, private school, church school, faith-based school, parochial school, school immunization, testing requirement, disease testing, parental rights, school enrollment, attendance requirements, CHOOSE Act, school choice, education funding, tax exemption, corporate income tax
HI
Transcript Highlights:
- You know, freedom should not be begun without food.
- You know, freedom should not be begun without food.
- Um there are a number of afford food.
- </c> mission to advocate for food security. mission to advocate for food security.
- Hawaii Food Industry >> Thank you.
Keywords:
protective orders, military, law enforcement, judicial coordination, victim safety, community safety, federal military installations, disaster response, emergency services, state funding, transportation department, public safety, Hawaii, education, high school diploma, veterans, wartime practices, armed services, HB1518, Hawaii SNAP
Summary:
The committee opened by announcing that it would hear testimony but would not take decisions on the day’s bills, with action deferred to a later decision-making agenda. The first measure, HB 2264, would require notification to military security forces when a protective order is issued involving a military-affiliated person. Support came from the U.S. Defense State Liaison Office, the Hawaii National Guard, and DBEDT’s Military Affairs office, all emphasizing better coordination and faster notice to help protect victims and support command oversight. Family Court Judge Jesse Hall supported the intent but asked for deferral, explaining that a prior fax-and-email notification system had broken down and that the military had not re-engaged with the court. The Hawaii State Coalition Against Domestic Violence supported the bill but recommended narrowing it so it applies only when the respondent is actually marked as military-connected and delaying the effective date to January 1, 2027 to allow implementation. In questions, members discussed the current breakdown in communication, the number of military-marked TROs statewide, and whether the bill would be necessary if the old system were restored; the military witness said she would try to reestablish contact with the court.
The committee then took up HB 2336, which would authorize the Department of Transportation to enter into agreements with the U.S. Department of Defense for services at federal military installations and charge an administrative fee. DOT and the Military Affairs office supported the measure, describing it as a way to speed projects, combine state and federal resources, and strengthen infrastructure that also supports disaster response and the economy. Members questioned why the bill was needed if similar arrangements had existed before, and whether Title 23 federal highway funds could be used; DOT responded that the bill would help expedite projects and supplement, not supplant, federal funding, while each project would still require review of the appropriate funding source. The committee also heard HB 2298, which would allow the Department of Education to award high school diplomas to qualified people whose schooling was interrupted by military service or wartime practices during World War II, the Korean War, or the Vietnam War. The U.S. Defense State Liaison Office, the Hawaii Office of Veterans Affairs, and DOE supported the bill, and DOE said implementation would have only a minimal printing cost.
Finally, the committee heard HB 1518, which would require DHS, upon obtaining a federal waiver, to create a pre-release SNAP application process for inmates nearing release by January 1, 2028. DHS said it was already working on a pilot and stood on its testimony; the County of Hawaii, the Correctional System Oversight Commission, the ACLU of Hawaii, and the Hawaii Public Health Institute supported the measure, arguing it would improve reentry outcomes and would not cost the state additional money. No votes or final committee actions were taken on any of the bills during this meeting.
AL
Transcript Highlights:
- . ...regulating food and beverage ingredients.
- That's a role currently held by the US Food and Drug Administration.
- Food and Drug Administration had already... uh, they right.
- So I don't see anybody being proactive in the food industry to take it out.
- A lot of states have banned it from coming into their state on any foods.
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
TX
Texas 89th Regular
Water, Agriculture, and Rural Affairs Mar 31st, 2025
Water, Agriculture and Rural Affairs
Bills:
SB 34, SB 119, SB 261, SB 532, SB 1035, SB 1245, SB 1247, SB 1267, SB 1442, SB 1930, SB 1948, SB 2078, SB 2112, SB 2143, SB 2155
Keywords:
mRNA vaccine, food labeling, health and safety, consumer rights, transparency, consumer information, mRNA, vaccine labeling, food safety, consumer protection, health regulations, vaccine, labeling, public health, cell-cultured protein, lab-grown meat, young farmers, grant program, agriculture, financial support
AL
Alabama 2025 Regular Session
Alabama House State Government Committee Feb 19th, 2025
State Government
Keywords:
board governance, occupational licensing, Sunset Law, public accountability, training requirements, state holidays, Juneteenth, Rosa Parks Day, Alabama law, public observance, public works, sealed bids, bidding notice, advertising requirements, newspaper of general circulation, centralized website, electronic mail, U.S. mail, state procurement, county procurement
HI
Hawaii 2026 Regular Session
AGR Public Hearing - Wed Mar 18, 2026 @ 9:30 AM HST
Agriculture & Food Systems
Transcript Highlights:
- </c> one of community and food production. one of community and food production.
- </c> Hawaii's long-term food security. Hawaii's long-term food security.
- </c> ...are [snorts] food.
- food security system.
- > stream,</c> safe as it goes into the food stream, safe as it goes into the food stream, then<00:58:
Bills:
SB2885, SB2174, SB2925, SB2798, SB2320, SB2800, SB1230, SB2706, SB3233, SB2405, SB2350, SB2169, SB3320
Keywords:
coconut rhinoceros beetle, invasive species, biosecurity, green waste, environmental management, agriculture, quarantine, pest control, transport regulations, Hawaii Revised Statutes, coconut trees, tax credit, natural management, Hawaii, environment, agricultural enforcement, agricultural theft, farm theft, crop theft, commodity theft
Summary:
The committee heard testimony on SB 2885 SD1, which would create mandatory handling and storage rules for commercial and residential coconut rhinoceros beetle host material beginning in 2027, with penalties and an effective date. Support came from the Department of Agriculture and Biosecurity, DLNR, Maui County Department of Agriculture, the Hawaii Farm Bureau, Hawaii Farmers Union, and the Office of Hawaiian Affairs. Testifiers generally said the bill would help reduce CRB spread, though some urged additional science-backed methods, better coordination, and technical or cost-share support for smaller operations. Hawaiian Earth Recycling recommended amendments to align the bill with existing Department of Health/EPA composting rules, add other materials that can harbor CRB, allow future approved treatment methods, and replace the bill’s 60-day turning requirement with existing pathogen-reduction standards. One individual supported the goal but argued the state’s CRB strategy has lacked community and cultural consultation and should include a cultural advisement role. Department witnesses said enforcement would rely on inspection and an educate-before-regulate approach, and they noted the challenge of creating enough drop-off sites, especially in rural areas.
The committee then took up SB 2174 SD2, which would authorize the Department of Agriculture and Biosecurity to declare an emergency quarantine, halt operations in affected areas for 96 hours with possible extension, quarantine suspected pest areas, issue notices and compensation to affected farmers, and adopt interim transportation rules for materials that may harbor high-impact invasive species. The department and DLNR supported the measure, emphasizing the need for fast action in the first hours of an invasion. Hawaii Farmers Union supported the compensation provisions but asked for stronger communication with producers and a post-action report to the Board of Agriculture after about 90 days to evaluate effectiveness and economic impacts. In response to questions, department staff said the bill would be a short-term, department-only quarantine authority distinct from the governor-declared biosecurity emergency authority enacted previously, and that it could serve as an intermediate step. They also said outreach would need to be done through farm organizations such as Farmers Union, Farm Bureau, and Cattlemen’s groups.
The final measure discussed was SB 2925 SD1, relating to coconut trees. The bill would recognize coconut trees as a source of food and water and a cultural treasure, require rules for coconut tree seed banks, require signage identifying landscape palms where applicable, set labeling standards for non-consumable landscape palms, and create an income tax credit for consumable coconut trees maintained through natural management practices. The transcript ended before testimony or action on this bill was completed, and no vote was taken on any of the measures discussed in the portion provided.
AL
Alabama 2026 Regular Session
Alabama House Ways and Means Education Committee Mar 18th, 2026
Ways and Means Education
Bills:
HB527, HB563, HB580, HB579, SB190, HB15, HB390, HB527, HB563, HB580, HB579, SB190, HB15, HB390
Keywords:
liability, off-roading, parks, participant safety, risk management, SNAP, food assistance, public assistance, income standards, Department of Human Resources, eligibility, HB580, Alabama Healthy Schools Act, public schools, K-12, school nutrition, school meals, cafeteria, vending machines, fundraising sales
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 35 Apr 6th, 2026 at 01:30 pm
Oklahoma House Floor Meeting
Bills:
HR1037, HR1043, SB1491, SB1451, SB1286, SB1581, SB1521, SB201, SB1290, SB169, SB1377, SB1991, SB1346, SB1509, SB1928, SB2028, SB2071, SB2110, SB2117, SB2127, SB2134, SB722, SB3
Keywords:
National Poetry Month, poetry, education, cultural celebration, arts and humanities, child abuse, prevention, community support, family safety, child welfare, presidential electors, vacancies, oath of office, political party, elections, voter registration, election integrity, Secretary of State, cancellation of registration, gender neutrality
OK
Oklahoma 2026 Regular Session
House of Representatives Second Regular Session of the 60th Legislature Day 35 Apr 6th, 2026
Oklahoma House Floor Meeting
Bills:
HR1037, HR1043, SB1491, SB1451, SB1286, SB1581, SB1521, SB201, SB1290, SB169, SB1377, SB1991, SB1346, SB1509, SB1928, SB2028, SB2071, SB2110, SB2117, SB2127, SB2134, SB722, SB3
Keywords:
National Poetry Month, poetry, education, cultural celebration, arts and humanities, child abuse, prevention, community support, family safety, child welfare, presidential electors, vacancies, oath of office, political party, elections, voter registration, election integrity, Secretary of State, cancellation of registration, gender neutrality
Summary:
The House convened, completed the roll call, prayer, pledge, and a series of ceremonial recognitions and introductions. Chaplain Ronnie Wilson delivered the invocation, and the chamber honored Veteran of the Week Bobby Joe Floyd for his Army service and decades in Oklahoma law enforcement. Members also recognized a visiting youth performer, Nova Williams, and adopted House Resolution 1037 recognizing April as National Poetry Month and House Resolution 1043 recognizing Child Abuse Prevention Month.
The House also featured several special presentations tied to Caregivers Day, including introductions of Dr. Mukesh Perrek as Doctor of the Day, Dr. Colby Kipp as Psychologist of the Day, and Cynthia Cothram as Nurse of the Day. Additional guests from Stillwater Medical Center and Share Medical Center were welcomed, and Representative West presented Metropolitan Library System poet laureate Hallie Waugh, reading one of her poems in honor of Poetry Month. Representative Hill then recognized the week’s pages, highlighting students from across Oklahoma and their academic and extracurricular achievements.
In floor action, Representative Schreiber moved to request further conference on House Bill 1851, and the motion was adopted without objection. The House also reassigned measures according to the Majority Floor Leader’s list. After announcements, Representative Kennedy hosted a special presentation for the Oklahoma Rifle Association and NRA-related guests, and the House adjourned until Tuesday, April 7, 2026, at 9:30 a.m.
AL
Keywords:
food enrichment, corn masa, health regulations, nutritional standards, folic acid, respiratory therapy, interstate compact, public health, licensure, workforce mobility, military families, adverse actions, streamlined practice, traffic offenses, blood testing, law enforcement, chemical analysis, DUI, 1136, house
AL
Alabama 2025 Regular Session
Alabama House Ways and Means Education Committee Mar 6th, 2025
Ways and Means Education
Keywords:
HB386, food tax, grocery tax, sales tax reduction, use tax, Education Trust Fund, state revenue trigger, tax cut, consumer tax relief, Alabama sales tax, Alabama use tax, groceries, retail tax, revenue growth threshold, county and municipal tax, fiscal trigger, sales tax, food taxation, local government, financial growth
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Apr 20th, 2026 at 01:30 pm
Oklahoma Senate Floor Meeting
Bills:
HB1675, HB3242, HB1739, HB3320, HB3047, HB4434, HJR1089, HB4432, HB3718, HB3705, SR43, HB1933, HB4248, SB1847, SB1778, HJR1086, HB3001, HB3002, HB3003, HB3004, HB3005, HB3007, HB3008, HB1590, HB1242, HB3818, HB4305, HB1979, HB1225, HB3931, HB4454, HB3849, HB1746, HB3720, HB4275, HB4300, HB3586, HB2268, HB3755, HB4117, HB4294, HB3650, HB4298, HB3270, HB3145, HB3056
Keywords:
emergency management, severe weather, youth camp, summer camp, overnight camp, day camp, outdoor education, adventure camp, wilderness program, campground safety, tornado preparedness, flooding, flash flood, high winds, hail, lightning, extreme heat, extreme cold, wildfire smoke, evacuation plan
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Apr 20th, 2026
Oklahoma Senate Floor Meeting
Bills:
HB1675, HB3242, HB1739, HB3320, HB3047, HB4434, HJR1089, HB4432, HB3718, HB3705, SR43, HB1933, HB4248, SB1847, SB1778, HJR1086, HB3001, HB3002, HB3003, HB3004, HB3005, HB3007, HB3008, HB1590, HB1242, HB3818, HB4305, HB1979, HB1225, HB3931, HB4454, HB3849, HB1746, HB3720, HB4275, HB4300, HB3586, HB2268, HB3755, HB4117, HB4294, HB3650, HB4298, HB3270, HB3145, HB3056
Keywords:
emergency management, severe weather, youth camp, summer camp, overnight camp, day camp, outdoor education, adventure camp, wilderness program, campground safety, tornado preparedness, flooding, flash flood, high winds, hail, lightning, extreme heat, extreme cold, wildfire smoke, evacuation plan
Summary:
The Senate convened with a quorum, opened with prayer and pledges, and recognized several visiting groups and honorees, including students from Wesleyan Christian School, Claremore Day participants, and a tribute to Dr. J. Craig for his Marine Corps service, chiropractic career, and aid to first responders after the Oklahoma City bombing. The chamber also welcomed a Cricket Oak High School AFJROTC unit and the Lincoln Christian wrestling team, both recognized for recent achievements. The Senate then adopted Senate Resolution 43 commemorating the 31st anniversary of the Oklahoma City bombing and honoring victims, survivors, and first responders.
The Senate took up House Bill 1933, first rescinding prior action and then adopting a floor amendment to correct a drafting error and shift a penalty provision; the bill then passed 47-0. House Bill 4248, which would require purchasers of hemp beverages to be 21 and treat them similarly to beer for age purposes, passed 45-0 after brief discussion about whether it had medical implications. The Senate also adopted House amendments to Senate Bill 1847, described as a compassion bill that would have saved the state money, and passed it 35-11 before later approving it as an emergency measure with 43 ayes.
The chamber next adopted House amendments to Senate Bill 1778, a major literacy bill adding early intervention, teacher training, and optional early ELA testing for second graders, along with good-cause exemptions; it passed 43-2 and then as an emergency measure. The Senate also passed House Joint Resolution 1086, approving rules from several agencies, by 42-4. Finally, the Senate advanced and passed a series of sunset-extension bills for boards and councils, including the Child Death Review Board, county government training commission, Board of Chiropractic Examiners, Board of Examiners in Optometry, Oklahoma Climatological Survey, several environmental advisory councils, and the Board of Tests for Alcohol and Drug Influence, with most later receiving emergency passage. The Senate concluded with announcements of upcoming committee meetings and adjourned until April 25, 2026 at 1:30 p.m.
MN
Minnesota 2025-2026 Regular Session
House Veterans and Military Affairs Division 3/4/26
Veterans and Military Affairs Division
Transcript Highlights:
- The other is food insecure.
- The other is food over the age of of 60. The other is food insecure. insecure. insecure.
- </c> let's help these veterans with food let's help these veterans with food insecurity
- </c> provide more food for these veterans. provide more food for these veterans.
- </c> veterans food insecurity would expire. veterans food insecurity would expire.
Keywords:
veterans benefits, Secret War, Laos veterans, eligibility process, burial fees, veteran designation, veterans affairs, food insecurity, homelessness, suicide prevention, state resources, reporting requirements, agency initiatives, veterans, educational assistance, tuition waiver, spouses, children, military service, benefits
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/25/26
Commerce Finance and Policy
Transcript Highlights:
- People might not even realize that they are paying more for their food than uh the next person in line
- People might not even realize that they are paying more for their food than uh the next person in line
- </c><01:23:12.520><c> This</c><01:23:12.720><c> is</c> space on their packages.
- This is space on their packages.
- </c> that reflects a compromise package that reflects a compromise package around<01:46:10.640><c> a<
Bills:
HF3794, HF4472, HF4410, HF4347, HF4412, HF4398, HF4397, HF4201, HF4199, HF4203, HF3706, HF4071, HF4120, HF4175, HF4188
Keywords:
surveillance, price discrimination, wage discrimination, automated decision systems, consumer protections, data privacy, biometrics, school district health insurance, charter school health benefits, employee benefits, public sector health insurance, health insurance survey, Legislative Budget Office, LBO report, premium costs, retiree coverage, broker commissions, third-party administrator, health plan transparency, health reimbursement arrangement