Transcript Highlights:

• commercial insurance. commercial insurance.
• insurers.
• We fund our own regulatory agency and deposit insurance program.
• <01:13:53.600> And<01:13:53.840> throughout<01:13:54.159> our insurance program
• And throughout our insurance program.

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:15 Department of Insurance Update 00:01:39 Department of Financial Institutions Update 00:37:07 Insurance Industry Update 00:54:50 Credit Union Industry Update 01:10:53, 958, all

Summary: The committee met with a quorum, approved the September 16 minutes, and then received an update from Insurance Commissioner Sharon Clark and staff on the Department of Insurance. Clark reviewed department activity, including growth in premium volume and licensing, consumer complaints and recoveries, and a rise in fraud referrals. She said the department has 66 open fraud cases and described common schemes such as staged auto accidents, inflated repair or cleanup charges, and roofing scams. She also said the department’s investigators often prepare strong cases but face reluctance from local prosecutors, especially in Fayette and Jefferson counties, to pursue them. Clark reported favorable workers’ compensation news, saying rates will decrease 9.7% next year for the 20th straight year. She contrasted that with a difficult property insurance market driven by storms, reinsurance costs, inflation, labor shortages, and litigation, but said Kentucky’s market remains relatively stable, citing the Kentucky Fair Plan’s small number of policies. She then warned of significant 2026 health insurance premium increases on the exchange: 16.1% for Molina, 23% for Anthem, and 37% for WCare, after CareSource withdrew. She said the rates were reviewed by actuaries and found fair, but that the biggest pressure point is the scheduled expiration of enhanced premium tax credits, which she said could leave about 90% of exchange enrollees facing a compounded increase. Members questioned Clark about fraud prosecution, the number of people in commercial versus public coverage, and the impact of expiring subsidies. Clark said the prosecution issue is mainly with Commonwealth attorneys and that rural counties are more cooperative than urban ones. She also said the health market is individually rated and that older enrollees would be hit harder, while the loss of tax credits could push some people out of the marketplace. One member asked about the attorney general’s recent opinion on SB 188, the PBM bill; staff said attorneys were still reviewing it. Clark closed by noting that Kentucky’s fraud and towing/storage legislation has become a model for other states.

Transcript Highlights:

• House File 1724 insurance...
• mistakenly regulated under insurance mistakenly regulated under insurance laws.<00:05:04.000>
• use their insurance for the specialist. use their insurance for the specialist.
• monthly premiums for insurance. monthly premiums for insurance. Thank<00:19:24.640> you.
• guardrails they want for this program. guardrails they want for this program.

Bills: HF2400, HF1724, HF3437, HF4333, HF2874, HF4052

Keywords: real estate, appraisers, disciplinary actions, sanction matrix, Minnesota Statutes, direct primary care, healthcare agreements, medical services, patient care, health insurance, mortgage fees, residential loans, commercial loans, finance regulations, investment properties, insurance, supplemental health insurance, short-term care, home health care, nursing care

Transcript Highlights:

• Our workers compensation insurance. Our workers compensation insurance.
• started there to get uh get this program started there to get uh get this program started um and make
• um you know of you know workforce um you know of you know workforce um you know changing you know insure
• to or usher to changing you know insure to or usher to changing you know insure to or usher to insure
• some some technical things like insure some some technical things like insure some some technical things

Bills: SB199, HB142, SB86, HB152, HB297, SB1, SB1

Keywords: parental leave, state employees, local education agencies, adoption, work-life balance, family support, portable benefits, portable benefit account, independent contractor, gig worker, 1099 worker, freelancer, app-based worker, rideshare, delivery driver, worker benefits, health insurance, retirement benefits, life insurance, income replacement insurance

Transcript Highlights:

• With the reward [snorts] programs<00:26:03.120> the programs the programs the customer<00:26:06.600
• > in insurance because captive insurance in insurance because captive insurance in essence<00:
• It's it's regulated self-insurance. self-insurance. self-insurance.
• It simply requires insurers insurance.
• insurance agent to act. insurance agent to act.

Bills: SB2607, SB2031, SB2043, SB2623, SB2876, SB2396, SB2964, SB2089

Keywords: landscape architecture, licensure, educational requirements, examination, professional standards, consumer protection, junk fees, live-event tickets, short-term lodging, transparency, pricing disclosure, deceptive practices, insurance, captives, regulations, policyholders, SB2623, Hawaii pharmacy law, Board of Pharmacy, registered pharmacy technician

Summary: The committee first heard HCR 168 and HR 158, which would create a temporary working group to study utility capacity, coastline infrastructure lifespan, and the costs of needed expansions. Public Utilities Commission staff said the commission was not the right entity to direct all of the work because it lacks authority over many affected agencies. Members discussed whether the study should be limited to a coastal area or broadened to the whole island, and in decision-making the committee amended the measure to focus on the County of Honolulu, correct references to the Public Utilities Commission, and revise the working group membership to include the PUC chair, legislative designees, and directors or designees from DLNR, DOT, HIEMA, and DCCA Consumer Advocacy. The committee then passed both resolutions with amendments; the vote was adopted unanimously, with some members excused. The committee next considered HCR 145 and HR 137, which would convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division stood on its written comments, the Climate Change Mitigation and Adaptation Commission supported the intent, and the Attorney General opposed the measure, warning that a working group could create discoverable materials that might complicate the state’s climate litigation and noting a technical ambiguity in the reference to the Hawaii Hurricane Relief Fund administrator. After questions about discovery and the lawsuit, the committee amended the resolutions to replace the administrator reference with the chair of the Hawaii Hurricane Relief Fund Board of Directors, remove the Attorney General as convener while keeping the office as a member, and have the working group share findings and recommendations with the House CPC and Senate CPN committees instead of issuing a report. The committee passed the measures with amendments, with Rep. Martin voting with reservations. In the later agenda, the committee heard SB 2607, SD 1 on landscape architect licensure. The Board of Professional Engineers, Architects, Surveyors, and Landscape Architects supported the bill, explaining it modernizes licensure requirements to align with national standards and clarifies the profession’s design-focused role. The bill was discussed as distinguishing landscape architecture from groundskeeping and from civil engineering drainage work. No opposition was heard. The committee also heard SB 2031, SD 2 on consumer protection and price transparency for live ticket events and short-term lodging. The Office of Consumer Protection supported the bill, saying it largely mirrors an FTC rule requiring all-in pricing and would give the state enforcement authority and remedies. The Hawaii Financial Services Association opposed the bill as drafted and sought a limited exemption for credit card issuers relying on third-party hotel information, while the Hawaii Hotel Alliance supported the measure but asked for language deeming compliance with the federal rule sufficient for short-term lodging. Committee members questioned whether those proposed exemptions would conflict with federal law or weaken state enforcement, and the discussion focused on preemption, liability, and the value of state remedies such as restitution.

Transcript Highlights:

• program.
• The state program provides program.
• have to be enrolled in the DMC program. have to be enrolled in the DMC program.
• , but it's not an insurance policy.
• This meeting is adjourned. insured for depository insurance. So, insured for depository insurance.

Bills: HF3298, SF3832, HF3528, HF3516, HF3972, HF4118

Keywords: underground storage tanks, petroleum, reimbursement program, environmental regulation, pollution control, dairy assistance, investment relief, agriculture support, food production, economic relief, barbering, licensing, examinations, barber schools, public safety, certifications, Barber Examiners Board, dentistry, licensure, registration

Transcript Highlights:

• more common, and arbitration may be used to settle an insurance dispute. between an insurance provider
• ... party insurance claims.
• lines insurers.
• When you're applying for insurance, we have about 160 property casualty insurers in Texas.
• There are people applying for insurance and then being declined insurance.

Bills: SB388, SB455, SB917, SB925, SB1006

Keywords: dispatchable generation, electricity, natural gas, ERCOT, energy credits, utilities regulation, renewable energy, arbitration, insurance contracts, surplus lines, Texas law, insurance policy, boiler inspection, boiler safety, inspection report deadline, certificate inspection, authorized inspector, inspection agency, Health and Safety Code, board of boiler rules

Transcript Highlights:

• has been part of state programs.
• At present, programs of this nature are available in North Carolina, Alabama, and Idaho.
• It takes money from the insurance premium tax collection.
• So on each insurance premium written in the state, there is a small percentage that goes to a tax.
• I'm insured this year. Who knows what's going to happen next year? But with that, I vote aye.

Bills: HB2013, HB2292, HB2334, HB2349, HB2350, HB2845, HCM2011

Keywords: air pollution, wildfires, environmental standards, public health, Arizona Revised Statutes, wildfire, wildfire mitigation, wildfire prevention, forest fire, brush removal, defensible space, community hardening, vegetation management, fire-resistant construction, wildland urban interface, WUI, insurance premium tax, property insurance, homeowners insurance, commercial property insurance

Summary: The committee heard three measures. HB 2013 would require the Arizona Department of Environmental Quality to submit an exceptional event demonstration to the EPA when wildfires on federally managed land affect Arizona air quality. Sponsor Rep. Lisa Fink said the bill is intended to prevent Arizona from being penalized for wildfire-driven air quality problems and could help reduce regulatory burdens. Sierra Club opposed the bill, arguing the existing exceptional-event process already requires case-by-case analysis, that automatic filings could be unnecessary or ineffective, and that the bill lacked an appropriation. ADEQ testified neutral. The committee approved HB 2013 on a 5-1 vote. HB 2292 would create the Wildfire Prevention Authority and Fund under the Arizona Department of Forestry and Fire Management; a committee amendment renamed it the Wildfire Mitigation and Risk Reduction Authority and Fund, capped administrative expenses at 8%, and prioritized funding for single-family and multi-family dwellings. Supporters, including Coconino County Vice Chair Geronimo Vasquez and the County Supervisors Association, said the bill would provide a coordinated, data-driven wildfire mitigation program funded by a $20 million annual diversion from insurance premium tax revenues, helping reduce wildfire damage and stabilize insurance costs. Members discussed the funding source as an existing tax diversion rather than a new tax. The committee adopted the amendment and then passed HB 2292 as amended on an 8-0 vote. HCM 2011 urges Congress to pass federal legislation to delist the Mexican wolf, defund the reintroduction program, and transfer management to local authorities. The sponsor said the memorial responds to ranching impacts from wolf predation and supports federal action already moving in Congress. Sierra Club opposed the memorial, saying the species remains insufficiently recovered and that delisting would be premature. After debate, including comments both supporting and opposing delisting, the committee approved HCM 2011 on a 5-2 vote and then adjourned.

Bills: SB221, SB224, HB440

Keywords: Mobile County, judge of probate, compensation, salary, expense allowance, electronic monitoring, pretrial defendants, criminal justice, court programs, supervision fees, 1136, house, all

Transcript Highlights:

• The pharmacist, it just allows them to bill for reimbursement from the insurance companies for services

Keywords: Insurance - Room 216, 3 March, 2026; 9:00 AM, 925, all

Summary: The committee heard an explanation of a bill allowing pharmacists to bill insurance companies for reimbursement for services they already provide, such as health status assessments and medication treatment planning. The sponsor or presenter said the measure does not change pharmacists’ scope of practice and noted that a reverse repealer was added while awaiting a fiscal assessment from PIER to determine whether the bill would cost the state money. Senator Glendon asked whether the bill changed scope of practice and was told it did not. After questions concluded, the committee adopted the strike-all amendment, then approved the title as sufficient and passed the strike-all version of the bill. The committee then voted to rise and report.

Transcript Highlights:

• created by the Department of program created by the Department of Insurance.<00:04:49.560> Um
• Congress has authorized each state to establish and administer its own life insurance program for the
• benefit of National Guard members, and 40 states currently have state-sponsored life insurance programs
• Congress has authorized each state to establish and administer its own life insurance program for the
• programs. insurance programs.

Keywords: Insurance - Room 210, 26 February, 2026; 9:00 A.M., 925, all

Summary: The committee considered several House bills, most of them already passed by the Senate or previously vetted in other committees. House Bill 1075 would expand access for low-income housing authorities and related entities to participate in insurance pooling arrangements, with the sponsor explaining it would help lower insurance costs as housing funding structures shift toward public-private partnerships. House Bill 565, renamed “Jill’s Law,” would advance biomarker testing and related Medicaid/prior authorization conforming changes; House Bill 856 would remove a repealer from the state’s anti-step-therapy law after hearings found the cost impact negligible; and House Bill 939 would extend the repealer on the volunteer firefighters’ Length of Service Award Program, which was described as needing ongoing funding to retain and recruit volunteers. The committee also heard House Bill 1019, which would expand health coverage options for small businesses, professionals, and self-employed people through access to regulated trade association self-funded group health plans. House Bill 1117 would create a transparency requirement for dental insurance by reporting premium-to-services information to the insurance commissioner and making it available in a portal; the sponsor said the Dental Association supports it. House Bill 1332 would require insurance examinations to meet National Association of Insurance Commissioners standards and best practices, and a member said he would vote present but the bill was said not to affect existing continuing education rules. Finally, House Bill 1713 would codify Mississippi Military Department authority to oversee state-sponsored life insurance for National Guard members, with the Adjutant General designated as state sponsor; it was described as voluntary, already operating since 1962, and without a fiscal note because it is paid for by guardsmen. Each bill received a motion to do pass or title sufficient to pass, was approved without opposition or with only a present vote noted on one bill, and the committee then voted to rise and report.

Transcript Highlights:

• <00:05:10.720> Uh certificate of insurance. Uh certificate of insurance.
• insurance plan before us.
• <00:12:41.760> Um life insurance plan before us. Um life insurance plan before us.
• for a fireman. >> 3 million was put in the program. >> 3 million was put in the program.
• the Mississippi Insurance Department. the Mississippi Insurance Department.

Keywords: Insurance - Room 216, 3 February, 2026; 9:00 AM, 925, all

Summary: The committee took up several insurance and health-related bills. Earlier discussion focused on metastatic cancer step therapy and biomarker testing, with the sponsor explaining that the bills would prevent insurers from requiring patients to try less effective treatments first and would require coverage for biomarker testing to better target treatment. The biomarker bill was described as a product of a summer study committee and was reported favorably. The committee also advanced a bill setting standards tied to the National Association of Insurance Commissioners, and a private residence elevator bill requiring licensing, inspection, and permitting for elevator installers, with an amendment exempting those elevators from annual inspections after the initial inspection. Members then considered a mitigation program for retrofitting homes, with the sponsor saying the Department of Insurance and industry were close to a workable statewide program. The bill would be funded by increasing a fee paid by insurance companies, not policyholders, and would allow use of a third-party administrator capped at 5% of program funds. The committee also reported bills extending the state health plan repealer, extending the LOSAP volunteer firefighter program repealer, and creating a fraud detection trust fund at the Insurance Department to address AI- and cyber-related fraud. The fraud fund bill drew questions about whether it would raise premiums and how it would help investigators; supporters said the fund would support staffing and equipment and that the existing fund had been dormant. Additional bills included a transparency measure for dental insurance spending, which would require reporting on the share of premiums spent on dental services beginning in 2027, and a bill expanding access to self-funded group health plans for members of legitimate professional and trade associations. The committee also heard a Mississippi Patient Protection Act aimed at strengthening willing-provider protections and limiting insurer discrimination against qualified providers; an amendment was proposed to clarify that vision benefit managers would not be treated as pharmacy benefit managers. Most measures were moved by title sufficient due pass and reported without opposition.

Keywords: Insurance - Room 216, 4 March, 2025; 9:00 AM, 925, all

Keywords: Insurance - Room 216, 4 February, 2025; 9:00 AM, 925, all

Keywords: Insurance - Room 409, 30 January, 2025; 9:00 A.M., 925, all

Transcript Highlights:

• equally shared by the state and political subdivisions of the state that received public assistance program
• guarantee program and the political subdivision guarantee fund, and some of these words we're going
• That's what it's intended uses for these will be with your shared insurance groups in those political
• This is a voluntary buy-in reinsurance insurance program that they can pay into if they want to.
• But there's data that does show that the bail programs actually help as it relates to...

Bills: SB1288, SB1705, SB1878, SB2019, SB2118

Keywords: emergency management, federal funding, disaster relief, cost sharing, public assistance, bail reform, public funds, nonprofit organizations, political subdivisions, injunctive relief, criminal procedure, surety bond, judicial discretion, uniform bond schedule, liability insurance, judgments, insurance fund, Oklahoma, county sheriff, commissary

Transcript Highlights:

• programs or career technical education programs, and it prevents basic maintenance and safety upgrades
• House Bill 2996 specifies that a certificate of insurance is not an insurance policy, does not amend,
• and insured.
• So basically, House Bill 2996 expressly provides that a certificate of insurance is not an insurance
• If I am a modeling company and I have 10 insurance, If I am a modeling company and I have 10 insurance

Bills: HB2016, HB2104, HB2105, HB2174, HB2256, HB2289, HB2477, HB2903, HB2939, HB2979, HB2996, HB4103

Keywords: tax penalties, filing, tax returns, administration, Arizona Revised Statutes, agricultural property, classification, county assessor, property inspection, appeal process, property tax, agricultural classification, Department of Revenue, property valuation, inspection notice, inspection report, on-site inspection, full cash value, rural land, farm land

Summary: The committee first approved the March 9, 2026 minutes and held House Bills 29 and 2939 at the sponsor’s request. It then took up House Bill 2016, which would eliminate the late-filing penalty for taxpayers with zero income tax liability; after discussion about whether taxpayers still need to file to establish that they owe nothing, the committee adopted an amendment narrowing the bill to income tax filers and passed the bill 4-3. The Department of Revenue said it was neutral on the bill but supported the amendment. The committee next heard House Bill 2289, which updates the property-value examples used in bond/override election pamphlets and truth-in-taxation notices from older low values to $300,000. Supporters said the figures are outdated and should better reflect current home values; opponents questioned whether $300,000 was the best benchmark and whether adding another example would confuse voters. The bill passed 4-3. The committee also approved House Bill 4103, which bars school districts from calling bond elections if enrollment is below 50% of capacity. Supporters argued districts should use or monetize excess space before asking taxpayers for more debt, while school administrators and others said the measure would block needed maintenance, safety upgrades, and local decision-making. It passed 4-3. Two related agricultural property bills, House Bills 2104 and 2105, were both amended and passed 4-3. HB 2104 creates a four-year period after a successful agricultural property tax appeal during which assessors generally may not reclassify or reinspect the property absent changes in use, ownership, splits, or improvements. HB 2105 requires advance notice of inspections and inspection reports and provides a three-year inspection exemption after the most recent inspection, with similar exceptions. Farm and ranch groups said the bills provide fairness and certainty after successful appeals; county assessors opposed them as limiting oversight and creating unequal treatment. The committee also passed House Bill 2256 unanimously, which sets notice and title procedures for salvage auction dealers when insurance claims are denied or unpaid, and House Bill 2979 unanimously, which updates credit union regulatory timelines and procedures. Later, the committee passed House Bill 2996 unanimously, clarifying that certificates of insurance are informational only and cannot expand coverage or rights, with penalties for misrepresentations. It also heard House Bill 2174, which renames and updates regulation of insurance modeling and data organizations, requires model filings, and revises related reinsurance provisions; the discussion focused on how DIFI would regulate models versus the companies that create them, but no vote was taken in the portion provided. Finally, House Bill 2477 was introduced to conform Arizona’s 529 plan to federal law by increasing the K-12 withdrawal limit to $20,000, adding post-secondary credentialing expenses, and allowing rollovers to ABLE accounts and Roth IRAs if requirements are met; the sponsor and Treasurer’s Office supported it as a cleanup/conformity measure, and discussion began on how the new rollover options would work.

Transcript Highlights:

• program colleagues.
• To be looking out at these programs. I have a...
• I'm a registered lobbyist for America's Health Insurance Plans.
• Health Insurance Plans, and we stand in support of the memorial.
• Elizabeth Johnson on behalf of the Office of the Superintendent of Insurance and on behalf of our Insurance

Bills: SB101, SB21, HM52, HB132, SB14, SB20

Keywords: SB 101, Health Care Delivery and Access Act, repeal of repeal, sunset repeal, delayed repeal, health care, healthcare, access to care, medical services, provider regulation, state health law, New Mexico, SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation

Bills: HB159

Keywords: U.S. Space and Rocket Center, Alabama Space Science Exhibit Commission, public facilities, space exploration, education programs, bond issuance, Governor involvement, 923, senate, all

Transcript Highlights:

• Senate Bill 1415 prescribes specified qualifications for salaried employees of insurers or managing general
• obtained licensure without taking the examination to only adjust claims as a salaried employee of an insurer
• Isaacson, welcome. without taking the examination to only adjust claims as a salaried employee of an insurer
• I'm here on behalf of State Farm Insurance in support of Senate Bill 1415.

Bills: SB1181, SB1252, SB1254, SB1415

Keywords: certified public accountants, CPA certification, accounting regulations, professional standards, continuing education, assignment for benefit of creditors, ABC act, insolvency, creditor claims, debt liquidation, business wind-up, receivership, liquidation, secured creditors, unsecured creditors, proof of claim, voidable transactions, fraudulent transfer, wage claims, priority claims

Summary: The Commerce Committee met and heard three bills, after announcing that Senate Bill 1254 would not be heard. Senate Bill 1181, which revises requirements for certified public accountants and is identical to House Bill 2476, was presented as a CPA pathways measure that opens additional routes to CPA certification in Arizona. Testimony from the Arizona Society of Certified Public Accountants supported the bill as part of a nationwide effort to keep Arizona CPAs competitive. The committee had no questions and voted 10-0 to give SB 1181 a do pass recommendation. Senate Bill 1252 adopted the Uniform Law Commission’s Uniform Assignment for Benefit of Creditors Act. Staff and Uniform Law Commission testimony explained that the bill creates a debtor-initiated alternative to bankruptcy or receivership, allowing a distressed business to assign assets to an assignee who liquidates them and distributes proceeds to creditors under a priority scheme. The act was described as flexible, with creditor notice, claims resolution, and court oversight provisions. The committee again had no questions and voted 10-0 to recommend SB 1252 do pass. Senate Bill 1415 set qualifications for salaried employees of insurers or managing general agents to obtain an adjuster license without taking the Arizona adjuster exam, and limited such licenses to adjusting claims as salaried employees. State Farm testified in support, explaining that other states have changed licensing rules, creating a need for Arizona-based company adjusters to obtain Arizona licenses without duplicative testing, especially for large employers like State Farm and USAA. The bill was presented as a workaround to preserve reciprocity for existing adjusters, and the committee voted 10-0 to recommend SB 1415 do pass before adjourning.

Transcript Highlights:

• , and gender identity in employment, housing, public accommodations, education, federally funded programs
• , and gender identity in employment, housing, public accommodations, education, federally funded programs
• , and gender identity in employment, housing, public accommodations, education, federally funded programs

Bills: SCR11, SR9

Keywords: Civil Rights Act, discrimination, employment, housing, public accommodations, LGBTQ+ rights, gender identity, sexual orientation, Equality Act, civil rights, federally funded programs, 912, senate, all

Summary: The joint committees on Energy and Intergovernmental Affairs, Transportation, and later Judiciary heard two sets of resolutions. The first, SCR 132 and SR 124, urged the City and County of Honolulu to take steps to finalize the Makakilo Drive Extension Project. Testimony from a Makakilo resident emphasized the lack of a second access route and raised safety concerns about being trapped in the area in an emergency. Both committees voted to pass the resolutions unamended. The second set, SCR 11 and SR 9, requested that the U.S. Congress amend the Civil Rights Act of 1964 to prohibit discrimination based on sex, sexual orientation, and gender identity in employment, housing, public accommodations, education, federally funded programs, credit, and jury service. Supporters from the Hawaii State Commission on the Status of Women, IMUA Alliance, and Pride at Work in Hawaii argued that stronger anti-discrimination protections are needed to reduce vulnerability to violence, housing insecurity, and exploitation, and to provide federal protections that mirror state law. One senator asked whether state protections already exist and was told the resolutions seek federal-level protections because federal law can supersede state law. Both committees adopted recommendations to pass SCR 11 and SR 9 unamended, with votes in favor and some members excused.