Transcript Highlights:

• It accomplishes key statewide priorities like economic development and universal childcare while maintaining
• And we're going to be farm teams for a lot of universities.
• And so... Universities.
• And so if you want to have college athletics treat everybody fairly, let those kids go play.
• But it's built over the year, and LFC and the staff do a great job and do hard work, and I appreciate

Bills: HB97 , HB280 , HB183 , HB151 , HB202

Committee: Senate House Appropriations & Finance

Keywords: Shaken Baby Syndrome, abusive head trauma, child safety, training and education, healthcare funding, youth internships, workforce development, education, grant funding, employment, drinking water, water quality, environment, public health, water filtration, private well testing, federal funding, childhood sexual abuse, time limitations, civil actions

Summary: The committee took up House Bill 2, the General Appropriations Act, and reviewed the Senate Finance Committee substitute and amendments. Staff described the budget as balanced, with recurring growth of about 2.65% and reserves maintained at roughly 28% if the related disaster reform bill passes. Members discussed the bill’s major spending areas, including health care, child care, public safety, economic development, natural resources, and education, along with technical corrections, cleanup items, and where the public could find the revised bill online. There was also discussion of contingent appropriations that depend on other bills passing, and staff said a hot list of those items would be circulated. Several members asked about specific allocations, including university athletics and facilities funding for UNM and NMSU, tourism, the State Racing Commission, the Spaceport Authority, and school-related items. The committee also discussed reserve levels, oil and corporate income tax revenue assumptions, disaster and fire recovery funding, and concerns about fraud, waste, and abuse in emergency spending. Members raised questions about a Gallup DA funding issue, online school funding, and a personal care/health care item in the Health Care Authority budget. Staff clarified several line items and explained that some appropriations were tied to future legislation or temporary provisions. After debate, the committee adopted the Senate Finance Committee amendments and then voted on the committee report for House Bill 2. The motion to do pass House Bill 2 as amended passed 8-3. The chair noted that the committee would need to return later because of caucuses and the floor schedule, and staff thanked members for the process and preparation.

Transcript Highlights:

• Who have been more resistant and who are still drinking and driving, and will tell us that on surveys
• And so, we love to pay to play, and we love to pay.
• So, good evening, and thank you, Chair Liias and Ranking Member King and Senator Schumake and honorable
• that's by mail and email, and that's it.
• that's by mail and email, and that's it.

Bills: SB5234 , SB6110 , SB6176

Committee: Senate Transportation

Keywords: snowmobile, snowmobile registration, vehicle registration fees, registration fee, Department of Licensing, DOL, recreational vehicles, winter recreation, vintage snowmobile, parks and recreation, vehicle license fee, RCW 46.17, fee schedule, renewal fee, initial fee, Washington state, electric-assisted bicycles, electric motorcycles, transportation regulation, safety standards

Transcript Highlights:

• And I would talk to him and I would tell him, okay, well, let's name And I would talk to him and I would
• And we would continue to press on and go to work each day, day in and day out.
• And I had got a call and I went downstairs and I had to talk.
• And I had got a call and I went downstairs and I had talked to my parents and the whole family was there
• I have a wife and three kids. My oldest has graduated university and is a PE teacher.

Bills: HB2405 , HB2406 , HB2471 , HB2478 , HB2492

Committee: House Labor & Workplace Standards

Keywords: mental health, PTSD, treatment program, research, pilot program, veteran support, trauma, healthcare funding, labor, communication, Department of Labor and Industries, workplace standards, modernization, collective bargaining, labor relations, employee rights, union representation, non-covered employees, wage enforcement, labor standards

Transcript Highlights:

• >> And these and and I believe just from >> And these and and I believe just from historical
• and and thank you very genuine with us and and thank you and<00:24:00.000><c> and</c><00:24:00.240><
• ><c> little</c><00:24:01.360><c> bit</c> and and and we've learned a little bit and and and we've learned
• <c> we</c> population and need and and I'd say we population and need and and I'd say we have<01:06:59.599
• and and cried in agony and said, "Why?

Keywords: Call to Order and Roll Call- 00:00:00 Approve Minutes from November 13, 2025- 00:00:55 RiverLink Tolling Operations for Louisville Bridges-Quarterhill Testimony- 00:01:48 Staff Report on Veterans’ Centers- 00:26:45 Kentucky Department of Veterans Affairs Response to Staff Report- 0:58:53 Adjournment- 1:18:00, 958, all

Summary: The committee first approved the minutes from the November 13, 2025 meeting and then heard testimony from Quarter Hill, the tolling subcontractor for RiverLink on the Indiana-Kentucky bridge system. Quarter Hill described its role in back-office support and call center operations for the Lincoln, Kennedy, and Lewis and Clark bridges, and said the contract began in 2021 with go-live in September 2023. The company reported that revenue has increased since it took over, customer service response times have improved, and it has been operating at a loss because the contract was based on outdated transaction estimates and did not account for higher-than-expected volume and added support costs. Members questioned Quarter Hill about the role of consultants, the low reported collection rate, and why the company was leaving the contract. Quarter Hill said a single large consulting engineering firm had been hired to help shape the RFP and contract, but argued that consultants and overly detailed requirements can create disputes and hinder efficient service. On collection rates, the company said the reported 85% rate reflects the absence of registration holds and other enforcement tools, and that the remaining unpaid tolls are the hardest to collect. The company also said it had lost significant money on the contract and had reached a change order and termination agreement, while emphasizing that the system itself was functioning well. The committee then received a staff report on Kentucky veterans centers. Staff said quality of care is generally high and staffing has improved, but reported occupancy figures are misleading because they are based on certified beds rather than functional capacity after conversions to single-occupancy rooms and capital projects. The report said actual occupancy is closer to 85% than the commonly reported 56%, and that increasing occupancy would not necessarily increase revenue because the state’s cost of care exceeds reimbursement and private-pay revenue. Recommendations included adopting functional occupancy reporting, continuing the move to single-occupancy rooms, reviewing modernization needs at Thompson Hood, including Eastern Kentucky in planning, and referring the Radcliffe HVAC procurement and installation to the Auditor of Public Accounts and Attorney General for review.

Transcript Highlights:

• , public universities, and community colleges with debt.
• universities, and college, public universities, and community<00:48:02.319><c> colleges</c><00:48:02.800
• And are any of the colleges and universities doing anything to help accommodate those students while
• And are any of the colleges and universities doing anything to help accommodate those students while
• c><02:10:31.040><c> and</c><02:10:31.199><c> colleges</c> that the universities and colleges that the

Keywords: Call to Order and Roll Call: 0:00:00 Approval of Minutes: 0:01:45 Federal Education Updates 0:02:12 Dual Credit Updates: 0:43:38 Kentucky State University's Doctoral Program Request: 01:27:08 Postsecondary Accreditation: 1:49:05 Consideration of Referred Administrative Regulations: 2:14:48 Adjournment 2:16:31, 958, all

Summary: The committee met with a quorum, approved the previous meeting minutes, and heard a presentation from Austin Reid of the National Conference of State Legislatures on education-related provisions in the federal One Big Beautiful Bill Act (H.R. 1). Reid said the law is projected to increase the federal deficit over 10 years, with major savings coming from Medicaid, student loan changes, and SNAP. He focused on how those changes could affect schools, including possible effects on free and reduced-price meal certification, state funding formulas that use SNAP as a proxy for low-income status, and Medicaid-funded school services for students with disabilities. Reid also outlined the new federal scholarship tax credit, which gives a dollar-for-dollar credit for donations to qualifying scholarship-granting organizations. He said families up to 300% of area median income may benefit, the program begins in 2027, and states must opt in and designate eligible organizations. He noted unresolved questions about whether states can add their own criteria and said Treasury regulations will be important. He also described the expansion of 529 plans to cover more K-12 and postsecondary expenses. On higher education, Reid explained a new workforce Pell grant option for short-term programs, with states and governors playing a role in determining eligible programs. He said the programs must meet placement, completion, and earnings measures and that implementation is expected to be tight before the July 1, 2026 effective date. He also reviewed student loan changes, including lower institutional loan limits, prorated borrowing for part-time enrollment, new caps on graduate and Parent PLUS loans, and a new earnings-based accountability standard that could make some programs ineligible for student loans if graduates earn too little. No votes were taken beyond approval of the minutes.

Transcript Highlights:

• and our and uh everyone on this and our and uh everyone on this committee<00:00:49.680><c> as</c><00:
• and stand up and like for him take up and stand up and take<00:02:47.120><c> a</c><00:02:47.280><c>
• </c> and that's why you see the one and and that's why you see the one and threeyear<00:17:20.640><c>
• the um cabinets and and um I I between the um cabinets and and um I I was<01:02:23.280><c> excited.
• and and why do from the PBM companies and and why do you<01:04:07.440><c> have</c><01:04:07.599><c>

Keywords: Meeting Start: 00:00:01 Attendance Roll Call: 00:01:26 Approval of Minutes: 00:02:27 Investment, Cash Flow, and Legislative Update: Bo Cracraft – Judicial Form Retirement System: 00:03:12 Ryan Barrow – Kentucky Public Pensions Authority: 00:21:52 Beau Barnes – Teachers’ Retirement System: 00:34:31 Adjournment: 01:07:25, 958, all

Summary: The meeting opened with the Pledge of Allegiance and prayer, followed by a roll call confirming a quorum and approval of the prior minutes. A special guest, Dave Eager, was welcomed before the committee moved to presentations from retirement system officials. Bo Craycraft, executive director of the Judicial Form Retirement System, gave a quarterly update on investment performance, asset allocation, and cash flow. He said the plans had held up well amid market volatility, with fiscal year-to-date returns above benchmark and long-term returns remaining strong. He explained that the plans are targeted to a 70% equity/30% fixed-income allocation, that some cash is being held for cash-flow management, and that negative cash flow is expected because of funding and contribution levels. He also said Senate Bill 183, dealing with proxy voting and economic analysis for certain votes, was not expected to materially affect the plans because of their small number of holdings and Bear Trust’s long-term investment approach. Ryan Barrow and Erin Surrod then presented for the Kentucky Pension Authority. They reported positive quarterly performance across the retirement and insurance funds, though results varied by period and remained tied to broader market conditions. They said recent asset-allocation changes had been completed and the funds were now within target ranges. On cash flow, they noted some plans remained negative or near zero, with one plan benefiting from a large appropriation. In the legislative update, they described House Bill 30 as codifying an exclusion from pension-spiking calculations for across-the-board raises, and Senate Bill 10 as increasing retiree health insurance subsidies and changing employee health insurance contribution rules for certain CERS members beginning in 2026. They also said Senate Bill 183 would likely have limited impact, though the agency would review voting policies and incorporate any required economic-analysis procedures.

Transcript Highlights:

• </c> education formula to inflation and education formula to inflation and universal<00:03:10.000><c>
• We slowed that growth a bit to $40 a pupil in '26 and '27 and $42 a pupil in '28 and '29, and BSA can
• steady in 28 and the 26 and 27 and stay steady in 28 and 29.<00:06:46.560><c> We</c><00:06:46.800><c>
• Um and then fiscal years 28 and 29. for. Um and then fiscal years 28 and 29.
• My name is Laura Mogulson, and I am here from the Minnesota Association of Colleges for Teacher Education

Bills: HF1388

Committee: House Education Finance

Keywords: BARR Center, Building Assets, Reducing Risks, education finance, school funding, grant appropriation, evidence-based program, student achievement, social and emotional learning, school climate, teacher effectiveness, high school graduation, students in poverty, students of color, BIPOC, equity in education, Minnesota Department of Education, urban schools, suburban schools, rural schools, school coaching

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=NHieJIxk-34, 2026-06-21T07:17:06+00:00, 2.2.24, Data collected via generic collector engine, 0:00:09 Call to Order and Roll Call 0:01:15 Highway Construction Contingency Account 0:33:20 Governor’s Recommended Road Plan 1:09:48 Adjournment, 958, all, 2.2.42, 2.1.47

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=ItoOwwqB52U, 2026-06-21T07:17:05+00:00, 2.2.24, Data collected via generic collector engine, Challenges and Opportunities for Small Businesses in Kentucky – Data from Employer Surveys Presenters 00:02:59 The Threat of Cyberattacks on Our Nation’s Critical Infrastructure 01:08:16, 958, all, 2.2.42, 2.1.47

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=SJVT8DrXTVQ, 2026-06-21T07:17:04+00:00, 2.2.24, Data collected via generic collector engine, 00:05:30 – introduction of new Commission on Race and Access to Opportunity member Jim Coleman 00:08:45 – One Lexington presents 01:14:15 – Kentucky Youth Advocates presents, 958, all, 2.2.42, 2.1.47

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=UHiryz7EB_s, 2026-06-21T07:17:02+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start: 00:00 Roll Call: 01:07 Committee Overview: 01:59 Overview of the Organization and Structure of CHFS: 03:14 Items Received for Review: 57:01, 958, all, 2.2.42, 2.1.47

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=U4koUGHsNCw, 2026-06-21T07:17:02+00:00, 2.2.24, Data collected via generic collector engine, This is the second part of the Kentucky Legislative Ethics Commission Live Stream. This part will only be used if the Commission enters into executive session and then reconvenes., 958, all, 2.2.42, 2.1.47

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=IXRFEmbTG7k, 2026-06-21T07:17:02+00:00, 2.2.24, Data collected via generic collector engine, Due to technical issues the first part of this meeting did not live stream. It was recovered from a backup and loaded in it's entirety here: https://youtu.be/52OJuGRkaw8, 958, all, 2.2.42, 2.1.47

Transcript Highlights:

• nurse of the day, rection of previous day's journal, House and Senate bills and joint resolutions on
• and in research and development.
• He attended the University of Oklahoma College of Medicine.
• He and his wife Kay have four children. And seven grandchildren.
• We're discussing maternal and Infant health and wellness. So, join us then.

Bills: HB3281 , HB3320 , HB3081 , HB3127 , HB3128 , HB3498 , HB2035 , HB3765 , HB4324 , HB3678 , HB4170 , HB3495 , HB3040 , HB3062 , HB4140 , HB4106 , HB4109 , HB4104 , HB3581 , HB3620 , HB3942 , HB3279 , HB3378 , HB3383 , HB3413 , HB3414 , HB3415 , HB3420 , HB3130 , HB3700 , HB3379 , HB3129 , HB3132 , HB3315 , HB2950 , HB3242 , HB3041 , HB4428 , HB4429 , HB1064 , HB3265 , HB3721 , HB3028 , HB3313 , HB3588 , HB3020 , HB3724 , HB3392 , HB3466 , HB4060 , HJR1074 , HB3501 , HJR1070 , HB3794 , HB3796 , HB3928 , HB2955 , HB4453 , HB4460 , HB4128 , HB3659 , HB3270 , HB3145

Keywords: administrative procedures, guidance documents, transparency, public inspection, rulemaking, sunset laws, statutory entities, regulatory compliance, emergency provisions, board re-creation, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, medical marijuana, employment rights, safety-sensitive positions, workplace policies, public assistance

Transcript Highlights:

• research and development.
• He attended the University of Oklahoma College of Medicine, class of 1970.
• He and his wife, Kay, have four children and seven grandchildren. Folks, let's hear it.
• He and his wife, Kay, have four children and seven grandchildren. Folks, let's hear it for Dr.
• We're discussing maternal and infant health and wellness, so join us then. Thank you.

Bills: HB3281 , HB3320 , HB3081 , HB3127 , HB3128 , HB3498 , HB2035 , HB3765 , HB4324 , HB3678 , HB4170 , HB3495 , HB3040 , HB3062 , HB4140 , HB4106 , HB4109 , HB4104 , HB3581 , HB3620 , HB3942 , HB3279 , HB3378 , HB3383 , HB3413 , HB3414 , HB3415 , HB3420 , HB3130 , HB3700 , HB3379 , HB3129 , HB3132 , HB3315 , HB2950 , HB3242 , HB3041 , HB4428 , HB4429 , HB1064 , HB3265 , HB3721 , HB3028 , HB3313 , HB3588 , HB3020 , HB3724 , HB3392 , HB3466 , HB4060 , HJR1074 , HB3501 , HJR1070 , HB3794 , HB3796 , HB3928 , HB2955 , HB4453 , HB4460 , HB4128 , HB3659 , HB3270 , HB3145

Keywords: administrative procedures, guidance documents, transparency, public inspection, rulemaking, sunset laws, statutory entities, regulatory compliance, emergency provisions, board re-creation, fire extinguisher, licensing, public safety, age qualification, State Fire Marshal, medical marijuana, employment rights, safety-sensitive positions, workplace policies, public assistance

Summary: The House convened with a roll call, prayer, and the Pledge of Allegiance, then followed its regular order of business. The chamber also completed administrative items including correction/reassignment of measures and introductions of the Doctor of the Day, Dr. Lee Sheffler, and Nurse of the Day, Amanda Fisher. A special recognition was held for the 2025 Mustang Bronco 6A fast-pitch softball state champions, who were introduced in the chamber and gallery. Several members made announcements about committee and caucus meetings, including the Women’s Caucus, Native American Caucus, Rural Caucus, insurance committee, judicial criminal committee, public health, banking, business committee, and a devotional gathering. Members also welcomed nursing students and faculty, and a criminal justice program from Kiamichi Career Tech and McAlester. No legislation was debated or voted on in the transcript. At the end of the session, the floor leader moved to adjourn once the clerk’s desk was clear, and the House agreed without objection. The chamber adjourned until Wednesday, February 11, 2026, at 1:30 p.m.

Transcript Highlights:

• </c><00:17:54.880><c> direct</c> liquor and then beer and finally direct liquor and then beer and finally
• </c> And soft drinks and snack foods.
• needed</c> think it is a good and well and needed think it is a good and well and needed um um um uh
• And we would love to be able to provide better meat and better prizes and to help raise funds and continue
• Chair and<01:15:00.520><c> committee.</c> and committee. and committee.

Bills: HF4145 , HF4009 , HF4304 , SF2511 , HF4090 , HF357 , HF901

Committee: House Commerce Finance and Policy

Keywords: alcohol consumption, nursing homes, assisted living, resident activities, Minnesota Statutes, seasonal liquor licenses, resorts, intoxicating liquor, county board, Brainerd, Northern Pacific Center, event center, liquor license, on-sale license, alcohol sales, special law, local option, Minnesota liquor law, chapter 340A, Sunday sales

Transcript Highlights:

• Please close the vote and declare the vote. ...and declare the vote.
• Chair, please close the vote and declare the vote. 11 ayes.
• Please close the vote and declare the vote. 11 ayes, 0 nays.
• Please close the vote and declare the vote. 11 aye, zero nay.
• Thank you for being here, and thank you for your support.

Bills: HB3000 , HB3001 , HB3002 , HB3003 , HB3004 , HB3005 , HB3006 , HB3007 , HB3008 , HB4319

Committee: House Administrative Rules

Keywords: cosmetology, barbering, massage therapy, State Board of Cosmetology and Barbering, Service Oklahoma, license renewal, license reinstatement, licensing fees, sunset extension, board membership, human trafficking, victim services, beauty school, barber school, esthetics, manicurist, eyelash extension, blow-dry styling, makeup artist, occupational licensing

Transcript Highlights:

• But welcome to the new room, I guess, between now and the end of the year.
• Please close the vote and declare the vote. And declare the vote.
• You close the vote and declare the vote, please? 11-0-0.
• Please close the vote and declare the vote. Nine aye, two nay.
• Thank you for being here, and thank you for your support.

Bills: HB3000 , HB3001 , HB3002 , HB3003 , HB3004 , HB3005 , HB3006 , HB3007 , HB3008 , HB4319

Committee: House Administrative Rules

Keywords: cosmetology, barbering, massage therapy, State Board of Cosmetology and Barbering, Service Oklahoma, license renewal, license reinstatement, licensing fees, sunset extension, board membership, human trafficking, victim services, beauty school, barber school, esthetics, manicurist, eyelash extension, blow-dry styling, makeup artist, occupational licensing

Summary: The committee met in a new room and took up a package of 10 bills, mostly sunset extensions. Chairman Kendrick explained that although the bills were drafted as one-year extensions, he moved committee amendments on each to change the sunset date from 2027 to 2031 so the agencies would stay on a five-year cycle and avoid having too many sunsets come due in the same year. The committee adopted the amendments, and the bills were then presented and advanced. The bills extended the Board of Cosmetology and Barbering (HB 3000), Child Death Review Board (HB 3001), Commission on County Government Personnel Education and Training (HB 3002), Board of Chiropractic Examiners (HB 3003), Board of Examiners of Optometry (HB 3004), Oklahoma Climatological Survey (HB 3005), Oklahoma Advisory on Indian Education (HB 3006), Environmental and Natural Resources Advisory Councils (HB 3007), and Board of Tests for Alcohol and Drug Influence (HB 3008). HB 4319 was a separate policy bill changing the Administrative Procedures Act to require specific and explicit statutory authority, codifying a common-law requirement. Most bills passed unanimously after the amendments, with HB 3007 passing 9-2. After the bill votes, Chairman Kendrick returned to the chair and gave an update on administrative rules work, saying the committee was preparing multiple rules bundles and resolutions for floor consideration. He emphasized that fiscal analyses marked “unknown” are unacceptable under the Administrative Procedures Act and the Raines Act, and that agencies must provide a comprehensive analysis or use “zero” or “none” instead. The meeting then adjourned.

Transcript Highlights:

• I work at Southwest Bone and Joint here in Silver City and fully support this bill and the funding that
• money we have gave for the online school and had cut services to the students and the teachers and are
• And Mr.
• And Mr.
• And so I think, you know, there's a delay in paperwork and systems and so forth.

Bills: SB152 , SB145 , HB2 , SB190 , HB247

Committee: Senate House Appropriations & Finance

Keywords: telecommunications, low-income assistance, lifeline, broadband, rural broadband, universal service fund, public regulation commission, PRC, 911 surcharge, telecommunications relay service, VoIP, mobile service, internet affordability, digital equity, digital inclusion, rural internet, broadband infrastructure, eligible telecommunications carrier, ETC, tribal consent

Summary: The committee first set aside Senate Bill 247 because the Attorney General and bill sponsor were not present. It then heard Senate Bill 190, which would authorize bonding to help Healer Regional Medical Center in rural southwest New Mexico replace an aging linear accelerator used for cancer radiation treatment. The sponsor and hospital representatives said the equipment is at end of life and that replacing it would keep patients from having to travel long distances for care. The committee adopted a friendly amendment adding an emergency clause, but members then questioned the financing, noting the $5.7 million cost, the lack of local matching funds, and the fact that the equipment’s useful life is only about 10 years while the proposed bonds would run for 30 years. After extended discussion about interest costs and timing, committee members explored alternatives to reduce the state’s borrowing burden, including using existing rural health care funds, federal grant money, or structuring a county lease arrangement rather than issuing bonds. The bill was left pending while staff and the sponsor were asked to look into those options and report back. The committee also briefly heard from the Department of Justice about concerns raised by the Public Education Department regarding Gallup-McKinley and online learning companies; DOJ said investigations were ongoing but it could not say whether a lawsuit would be filed. Members expressed concern about possible large liabilities and discussed bringing the Attorney General and PED Secretary back in executive session. The meeting then shifted to House Bill 2 and related budget matters. Staff walked members through numerous line items, flagging some as potentially duplicative, unspent, or in need of further review, including attorney general litigation funds, rural health, education, transportation, tourism, energy, and economic development items. The committee adopted the “grow” spreadsheet after members said they had reviewed it, and then discussed reserve targets. Staff presented several scenarios to raise reserves from about 26.7% toward the 27.5% target, including cuts to natural resource, environmental, higher education, and transportation appropriations. Members generally favored a flexible “scenario five” approach and were reluctant to sweep older capital outlay projects immediately, preferring to wait until the capital outlay changes bill is resolved. The committee planned to continue the budget discussion the next morning.

Transcript Highlights:

• and stuff like that.
• Chairman, Vice Chairman, and members, for your time and attention, and I ask for your favorable consideration
• And it's happened time and time again, and it's never been fixed or adjusted.
• And the materials and everything else, and a lot of times we have people that are assigned to be umpires
• and umpires.

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

Committee: House Insurance

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