Transcript Highlights:

• Only the UM/UIM portion of the insurance—the many layers of overlapping insurance that protect both drivers
• . only the UMUIM portion of the insurance of the many layers of overlapping insurance that protect both
• But also, we've seen insurance costs because we're insisting on insurance levels that are higher than
• Today, each trip is covered by multiple forms of insurance: a million dollars in liability insurance,
• And so we're not trying to diminish that insurance, and we're not trying to eliminate any type of insurance

Summary: The Assembly Communications and Conveyance Committee heard three bills. SB 371 by Senator Cabaldon would reduce uninsured/underinsured motorist coverage requirements for transportation network companies from $1 million to $100,000 per person and $300,000 per accident, with committee amendments adding findings and declarations, higher limits than originally proposed, and a joint study on UM/UIM impacts. Supporters, including Uber, Lyft, business groups, and some consumer advocates, argued the bill would lower fares and increase driver earnings by reducing insurance costs. Opponents, including consumer attorneys, labor groups, and consumer watchdog organizations, warned it would cut protections for riders and drivers and might not guarantee savings would be passed through. The committee approved SB 371 on a due-pass basis and re-referred it to Appropriations by a 9-0 vote. The committee then heard SB 716 by Senator Durazo, which would create a Home Internet Lifeline Program to let eligible low-income households apply Lifeline subsidies to home broadband service. Proponents said the bill addresses broadband affordability after the federal Affordable Connectivity Program expired, and that it would help students, workers, and families access reliable internet. Opponents from the wireless industry objected to the funding mechanism, arguing the surcharge would fall unfairly on wireless consumers, while one broadband group moved to neutral after amendments. The bill was approved on a due-pass basis and sent to Appropriations, but the roll was held open and later completed with the bill passing 7-1. The committee also took up SB 480 by Senator Archuleta relating to autonomous vehicles as a consent item, with no presentation or debate. It was approved on a due-pass basis and re-referred to Appropriations by a 9-0 vote. Throughout the hearing, members repeatedly focused on affordability, consumer protection, and whether savings from the bills would actually reach riders, drivers, or households.

Transcript Highlights:

• the Insurance Federation of Minnesota. the Insurance Federation of Minnesota.
• same way insurance works.
• same way insurance works.
• program. So this isn't completely new. program. So this isn't completely new.
• He asked her to show where this program drives down the cost of health care, meaning health insurance

Keywords: 1187, senate, all

Transcript Highlights:

• The second column is the program information.
• Line 14 is for the Minnesota Association of Alternative Programs STARS program.
• Insurance costs for special education paraprofessionals to the unemployment insurance account, now that
• While we're also appreciative of funding for hourly school worker unemployment insurance, Insurance,
• efforts to repeal the program passed in 2023.

Bills: HF1388

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

Transcript Highlights:

• casualty insurance, plus about 20% of the health insurance market.
• by the insurer.
• The FAA plan is Texas's residual insurer for homeowners insurance.
• As part of your insurance rating, uh. We do a fairly extensive consumer education program like TDI.
• Uh, we have the Health insure program, which we work on with TDI that Commissioner Brown told you about

Transcript Highlights:

• Finances and rate setting within the Medicaid program.
• Program changes trend 1.3.
• On the program change tracking, OHA is working closely with CCOs on program changes, including new potential
• That's insurance.
• That's insurance.

Keywords: 907, all

Summary: The committee held an informational hearing focused first on Oregon Medicaid coordinated care organization (CCO) finances and rate setting. Oregon Health Authority staff explained how 2025 CCO financial results will inform 2027 capitation rates, including reserve requirements, subcapitation arrangements, and major cost drivers such as behavioral health, pharmacy, rural hospital costs, and dental directed payments. They said the Legislature’s added 2025 funding materially improved CCO margins and that, without it, the program would have been negative overall. Members asked about retained earnings, subcapitation, behavioral health utilization, ABA therapy, and whether outcomes are being evaluated; OHA said rate setting is actuarial and that CCOs, OHA, and other partners all play roles in monitoring efficacy and access. OHA also reviewed House Bill 4039 changes intended to increase transparency and give CCOs earlier access to rate information and reconciliation exhibits. CCO representatives then testified that the system is under significant financial pressure and that behavioral health state-directed payments, benefit changes, and federal uncertainty from H.R. 1 are reducing flexibility. CareOregon said it has lost more than $500 million over the last couple of years and is now making provider terminations and other network changes to align spending with available funding, while emphasizing that CCOs must make hard decisions about which services and providers can be sustained. Eastern Oregon CCO said rural and frontier factors, cost-based hospitals, air ambulance needs, and statewide efficiency adjustments are not fully reflected in rates, and that dental funding is especially strained. Trillium similarly warned that state-directed payments and benefit expansion pressures are constraining the global budget model and that H.R. 1 could worsen acuity and volatility. Members pressed the witnesses on who is responsible for evaluating treatment effectiveness, especially for ABA and psychotherapy, and on how utilization limits and reimbursement changes are being used to control costs. The committee then shifted to an overview of the Affordable Care Act and Oregon’s commercial insurance market. Department of Consumer and Business Services staff explained actuarial value, metal tiers, premium tax credits, medical loss ratio rules, and the main drivers of premium rates: cost trend, utilization trend, and administrative costs. They said mandates have likely added only a limited amount to premiums over the past decade, though the exact effect is difficult to isolate, and they gave examples of how high-cost, low-volume services versus broad, high-utilization services can affect rates differently. Staff also noted that Providence Health Plan and PacificSource Health Plans are withdrawing from the individual market, though consumers should still have at least three insurer options in every county and may have four in many counties. The division said it is in the middle of reviewing proposed 2027 rates and will continue its public rate review process, including hearings and written comment.

Transcript Highlights:

• And we just want to note that out of our clients' programs, 90% of apprentices trained through our programs
• make commercial health insurance, primarily through the insurance exchange, more affordable for New
• There were programs proposed that were affordability programs to make commercial health insurance, primarily
• And are any of these individuals being insured through the high-risk insurance pool?
• But my insurance is higher. Mr.

Bills: SB241, SB145, HB2

Keywords: child care, child care assistance, child care subsidy, early childhood education, early childhood care, daycare, preschool, pre-K, Head Start, Early Head Start, Children's Code, early childhood education and care department, ECECD, child care facilities, licensed child care, registered child care, copayments, waitlist, subsidy, federal poverty level

Transcript Highlights:

• It's a type of state-run property insurance program designed to provide coverage to homeowners and businesses
• And to create a program for insurance, like they say, of last resort for people that could not get insurance
• in the standard insurance market The program is administered by New Mexico Property Insurance.
• Our member insurers are subject to assessment from any shortfalls in the fund to run the NIP IP program
• New Mexico Property Insurance Program.

Transcript Highlights:

• It's still not well implemented in programs because of the lack of billing, so the programs that are
• Insurance is an in-and-out thing.
• Insurance is an in-and-out thing.
• Insurance is an in-and-out thing.
• Insurance is an in-and-out thing.

Keywords: 1191, senate, all

Transcript Highlights:

• Insurers the department holds the payment stable coin they received through this pilot program in qualified
• However, when it comes to putting a new program in place, which is a pilot program that you're putting
• This bill supports the Office of Insurance Regulation's responsibility to oversee Florida's insurance
• We don't want insurance companies or any of the management authority of an insurance company to have
• The auto insurance industry and the flood insurance industry is not part of that modeling procedure.

Summary: The Insurance and Banking Subcommittee met to hear and vote on several bills, with all measures reported favorably. The first major item was PCS for HB 175 on payment stablecoins, which would create a Florida regulatory framework aligned with the federal GENIUS Act so issuers can choose state regulation instead of federal licensing. Members asked extensive questions about how stablecoins differ from other digital assets, whether Florida would need federal approval, and what impact the bill would have on the Office of Financial Regulation; the sponsor and OFR said the state framework would mirror federal standards and that any workload increase was currently indeterminate. The PCS passed unanimously after testimony from OFR and the Florida Blockchain Business Association in support. The committee then approved CS for HB 961, which streamlines electronic signature requirements for salvage titles and certificates of destruction, and HB 1415, a DFS stablecoin pilot program allowing certain stablecoins to be used for licensing and regulatory fees. HB 1415 was amended to remove authority for a Florida coin, limit the pilot to established stablecoins with at least $1 billion market cap, and require secure custody through a public depository or custodial bank. Members discussed how any interest or revenue would be used, with sponsors saying the pilot was still exploratory and intended mainly to cover program costs. Both bills passed favorably. HB 1039, establishing a state cryptocurrency reserve, also passed after a strike-all amendment moved administration of the reserve from the CFO’s office to the State Board of Administration and tightened eligibility to cryptocurrencies with a $100 billion market cap over the prior 12 months. Supporters argued the bill would create a framework for future diversification and investment in established digital assets, while several members raised concerns about volatility, reporting frequency, and the meaning of new terms such as qualified liquidity provider and secure custody solution. The committee also passed CS for HB 951 on penny rounding for cash transactions, with an amendment clarifying cash transaction definitions and treating money orders and gift cards like credit-card transactions for rounding purposes.

Transcript Highlights:

• The state program is a self-funded program and bears 100% of its risk.
• And to my knowledge, 100% of testimony is not in favor of moving to the state insurance program.
• And to my knowledge, 100% of testimony is not in favor of moving to the state insurance program.
• moving to the state insurance program. moving to the state insurance program.
• So, go ahead. program? One of the pieces too that program?

Bills: SF0059, SF0053

Keywords: language proficiency, literacy education, reading interventions, dyslexia support, Montessori methods, individualized reading plans, amateur status, high school athletics, student eligibility, sports regulation, monetary compensation, 916, all

Transcript Highlights:

• agents and agencies insurance, consumer services, insurance fraud workers goes and inspects for workers
• So your insurance companies themselves, the insurance arrangements and other things.
• When we have when we have identified wrongdoing by the insurer or errors by the insurers.
• insurance, loves their afternoons.
• This is what's insured.

Transcript Highlights:

• The bill defines a wellness reimbursement program as a self-insured plan that issues a contract to provide
• to fingerprinting requirements for applicants for insurance producer license or insurance adjuster license
• The next, also the Insurance Commissioner, about advertisement of accident and sickness insurance, is
• The next is the Insurance Commissioner to promulgate a legislative rule regarding insurance adjusters
• insurance holding company systems.

Keywords: 994, senate, all

Summary: The Senate Finance Committee met with a quorum present, approved the prior meeting minutes, and then considered a series of House bills and committee substitutes. House Bill 5438, dealing with changes to Step 7 of the school aid formula and allowable uses of certain education allocations, was amended to adopt the Education Committee’s changes and then reported to the full Senate. House Bill 4087 creating the West Virginia-Ireland Education Alliance was also reported, as was House Bill 4191, which expands child care tax credit eligibility for employer-sponsored facilities and changes subsidy payments from attendance-based to enrollment-based reimbursement; senators emphasized its workforce and economic development benefits. House Bill 5074, which reallocates medical cannabis fund balances and future revenues, was amended to increase the Child Protective Commission pilot funding from $3 million to $5 million and remove proposed ibogaine research funding for Marshall and WVU before being reported. House Bill 5353, regulating virtual currency kiosks and money transmission licensure, and House Bill 5527, creating licensure and oversight for wellness reimbursement program administrators, both received strike-and-insert amendments and were reported. House Bill 5687, which phases down the metallurgical coal severance tax and adds a temporary oil and gas tax reduction with county/municipal revenue adjustments, was amended and reported. House Bill 4418, creating an electronic system for municipal business and occupation tax filing and collection with a 1% administrative fee and a participation threshold, was also reported. The committee then took up House Bill 4245, the Revenue Rules Bundle, which bundles 26 legislative rules from the Department of Revenue and related agencies. The bundle included alcohol, banking, insurance, racing, and tax rules, with several sunset extensions and repeals of outdated rules; the committee adopted a strike-and-insert amendment affecting a lottery consumer protection rule and a pre-need cemetery company rule, then reported the bill. House Bill 5168, providing a $12 million lottery-funded stream for emergency medical services, was amended to clarify the uses of the funds, rename one fund, require a 30% county match for mental health treatment spending, and create two additional county-based EMS funds; senators described it as a needed permanent funding source for EMS, and it was reported. Throughout the meeting, members generally supported the measures, with some discussion on technical details, funding allocations, and the impact of the bills on local services and workforce needs. At the end of the meeting, the chair announced that Senate House Bills 4004, 4006, and 4009 would not be taken up that day, and the committee adjourned.

Transcript Highlights:

• Intended only as a last-resort insurer, the program has ballooned and now insures over three-quarters
• insurance.
• to a pilot program.
• lot of insurers left.
• And we think it's a fairly simple thing: insurers want to sell insurance.

Summary: The committee heard testimony on several insurance-related bills. SB 1209 by Senator Allen, sponsored by Insurance Commissioner Ricardo Lara, would give the Department of Insurance stronger enforcement tools when insurers fail to implement corrective actions identified in market conduct or financial examinations. Supporters said the bill would close gaps that allow repeated violations, improve solvency oversight, and protect policyholders; opponents argued CDI already has broad authority and raised concerns about duplicative penalties, due process, and the bill’s scope. Members discussed amendments to limit the bill to legal violations rather than recommendations, apply penalties per exam rather than per policy, and clarify accounting language. The committee voted to send SB 1209 to Appropriations, with the bill placed on call after a roll vote that included one no vote from Senator Niello. The committee also considered SB 1301, which would require more detailed non-renewal notices for residential property insurance, give policyholders time and information to address correctable issues, and restrict certain non-renewal reasons such as claims below deductible or not covered by the policy. Support came from homeowners, fire survivors, and consumer groups who said notices are often vague and leave families unable to keep coverage; insurers opposed the bill, warning that California’s notice period is already among the longest in the country and that the bill could worsen availability and add burdensome reporting requirements. The author said he was willing to reduce the notice period from 180 days to about three months and work on a mitigation-based process. The committee passed the bill to Appropriations, with Senator Niello voting no and the item placed on call. SB 1026 by Senator Gonzalez would tighten regulation of bail fugitive recovery agents by allowing the Department of Insurance to suspend or revoke licenses without a criminal conviction, adding conduct restrictions, and requiring continuous liability coverage and proper appointment notices. Supporters, including Commissioner Lara, said the bill addresses serious misconduct and loopholes that have led to unsafe conduct and weak oversight. Bail industry representatives and crime victims’ advocates opposed the measure, arguing that the required insurance coverage is unavailable or unlawful as written, that the bill would be hard to comply with, and that it could reduce the number of recovery agents and delay justice. The committee moved SB 1026 to Appropriations, with Senator Niello voting no and the bill placed on call. The committee then heard SB 982 by Senator Wiener, the Affordable Insurance and Recovery Act, which would authorize the Attorney General to sue fossil fuel companies to recover costs tied to climate disasters and insurance losses, with supporters framing it as a way to shift some climate-related costs away from policyholders and taxpayers. The author said amendments would remove retroactivity and delay liability until 2032, while supporters from flood and wildfire survivor groups and climate organizations said the bill would help fund recovery and stabilize insurance costs. Opponents from industry and building trades argued the bill was legally vulnerable, would create a de facto tax or liability scheme, and could harm jobs, energy production, and affordability. Testimony on SB 982 was extensive, but the transcript ends before any committee vote or final action on that bill.

Transcript Highlights:

• We have the Chair of Insurance.
• I'm talking about folks that either have government-sponsored insurance or private insurance.
• insured.
• Give more insurance, pick your sort of program. We can do that pretty well.
• You know, Therefore, the insurers are actually not being insurers now.

Keywords: 1184, house, all

Transcript Highlights:

• Thank you to the insurance industry stakeholders and to the Department of Insurance, who...
• insurance with more than one insurance company—independent agents.
• insurance with more than one insurance company—independent agents.
• of insurance.
• So-called insurance interrupters are starting to sell insurance products more and more.

Summary: The Assembly Insurance Committee heard several bills, with most of the discussion focused on insurance transparency, claims handling, privacy, and regulatory enforcement. SB 877 and SB 878 by Senator Pérez addressed post-disaster claims practices: SB 877 would require insurers to disclose original and revised loss estimates and related claim materials to policyholders, while SB 878 would add automatic interest penalties for delayed claim decisions or payments and require written identification of disputed items. Fire survivors, consumer groups, AARP, the Department of Insurance, and other advocates supported both bills, while insurer groups moved to neutral after amendments. Both bills were voted out on roll call and reported to the Committee on Appropriations. The committee also considered SB 1054 by Senator Cabaldon, which would expand data sharing and reporting to improve workforce program evaluation and help counties verify work requirements for Medi-Cal and CalFresh using employer-reported hours worked. County officials, workforce advocates, and the Department of Insurance supported the measure, and no opposition was heard. The bill passed on a due-pass-as-amended motion to the Committee on Labor and Employment. SB 1209 by Senator Allen, presented with Insurance Commissioner Ricardo Lara, would give the commissioner stronger enforcement tools to require insurers to carry out corrective actions identified in market conduct examinations, including fines and hearings for noncompliance. The commissioner and author said the bill would close an enforcement gap and improve accountability; there was no opposition testimony, but the bill was left on call after the roll. The committee also heard SB 354 on insurance privacy, presented by Senator Padilla on behalf of Pro Tem Limón, which would modernize insurance privacy rules by expanding consumer rights over personal data, limiting sale and use of sensitive information, and increasing disclosure requirements. Supporters said the bill updates outdated 1980s-era rules, while insurers, agents, and business groups raised concerns about scope, compliance burdens, and small-business impacts. Members indicated the bill was still being negotiated and would return in a revised form in the Privacy Committee.

Transcript Highlights:

• health insurance exchange.
• We have had this program in place, or the federal program, since 2021, so we've got some good trend data
• Programs established is because the only way that these programs can provide assistance is through the
• Program or the exchange program.
• not address changes to the Medicaid program.

Transcript Highlights:

• Innovation, Grow Your Own, TIA Enhanced, Certification Program, High Q Training program.
• The certification program, the year-long program.
• Windstorm insurance.
• towards your typical fire hazard property insurance and windstorm insurance.
• Insurance already in statute.

Bills: HB2, HB2

Keywords: public education, teacher compensation, certification, funding, school finance, educator rights, education funding, charter schools, staff compensation, state aid, retention allotment, disaster preparedness, emergency management, flooding, mass fatality, mass casualty, fatality tracking, body recovery, autopsy, justice of the peace

Transcript Highlights:

• So we're going from 100% of kids in the program, of that 20% of them on commercial insurance, and I'm
• insurance for the Fast Forward program insurance for the Fast Forward program and<02:16:40.080><
• , the commercial insurance carrier is out front as the first payer before the Medicaid program.
• , the commercial insurance carrier is out front as the first payer before the Medicaid program.
• , the commercial insurance carrier is out front as the first payer before the Medicaid program.

Keywords: 1191, senate, all

Transcript Highlights:

• I know myself, I use some of my insurance dollars to pay for my block captain program, to pay for my
• Can't say the same for insurance.
• And insurers did not oppose that.
• So this is the first program I've seen in the entire country where insurers are now agreeing to contribute
• That was Dodd's program, I believe, that he ran. Forest and Fire Capacity Program.

Keywords: 988, house, all

Transcript Highlights:

• Today is health insurance cost.
• Thank you. ...my years in practice in Massachusetts, it means clear that our current insurance program
• My children currently benefit from the Children's Health Insurance Program, CHIP, and MassHealth, federally
• funded programs that provide coverage to those without health insurance from another source.
• See. paid insurance executives.

Keywords: 995, all

Summary: The Joint Committee on Health Care Financing held a public hearing on 16 bills, with the chairs noting a busy legislative day and asking speakers to keep testimony brief. The committee first heard testimony on Senate 860/House 1405, the Medicare for All bill, with Sen. Jamie Eldridge and many advocates, clinicians, municipal officials, and patients arguing that a single-payer system would make care a right, reduce administrative waste, lower costs, and protect residents from rising premiums, medical debt, and hospital closures. Several speakers cited the Steward hospital crisis, affordability problems, and polling or ballot questions showing public support for single-payer coverage. No vote was taken during the hearing. The committee then took testimony on S. 863, a bill on non-opioid options for chronic pain. Pain specialists, patients, and advocates said the bill would improve care coordination for MassHealth members, expand access to non-opioid medications, require provider education, and collect data on chronic pain. Testifiers described long delays in diagnosis and treatment, stigma toward pain patients, and the need for multidisciplinary care and transportation support. Again, the committee heard testimony only and took no action. A large portion of the hearing focused on H. 1360/S. 869, which would prevent discrimination against people with disabilities in health care. Disability advocates, clinicians, and patients described being denied or delayed care, pressured into DNR orders, or treated based on assumptions about quality of life rather than medical facts. Speakers referenced COVID-era crisis standards of care, discriminatory metrics, and personal stories involving canceled procedures, inadequate accommodations, and poor treatment in hospitals. Committee members thanked speakers for their testimony and said they would review the bill and its implications, but no vote was announced. The committee also heard testimony on H. 1399, an individual Medicare marketplace option for municipal retirees, where supporters said it would give cities and towns a lower-cost alternative for retiree health benefits through HRAs and individual Medicare plans. The hearing then returned to Medicare for All testimony, with additional supporters repeating arguments about cost, access, municipal budget pressure, and the need for global budgeting and universal coverage. The transcript ends with continued testimony and no recorded committee vote or final action on any bill.