Video & Transcript Research : 'debt restructuring'
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MA
Massachusetts 2025-2026 Regular Session
Senate Session Jun 21st, 2026 at 11:00 am
Massachusetts Senate Floor Meeting
Transcript Highlights:
- This debt crippled Haiti's economy for generations.
- which American banks took over parts of the country's finances and continued profiting from those debts
- Haiti only finished paying off this debt in... Not the Haitian people.
- Haiti only finished paying off this debt in 1947, almost 150 years after their independence.
Summary:
The Senate took up debate on the FY2026 general appropriations bill, with several members speaking in support of the Ways and Means budget. Senators Comerford, O’Connor, Feeney, and DiDomenico emphasized the budget as a values-driven response to federal uncertainty, highlighting investments in MassHealth, education, housing, food security, local aid, libraries, transit, mental and behavioral health, and support for vulnerable residents. They also praised the budget’s lack of new taxes and its focus on spending within available revenues, while noting major cost pressures from health care and federal policy instability.
Specific programs and items repeatedly cited included universal free community college, expanded financial aid, rural and minimum school aid, TAFDC/EAEDC increases, the Healthy Incentives Program, universal school meals, housing supports, Home and Healthy for Good, and funding for Pappas Rehabilitation Hospital. Speakers framed these investments as both fiscally responsible and morally necessary, and several noted that amendments would be considered during the debate. No votes on the budget itself were taken in the excerpt.
After the budget remarks, Senator Miranda spoke in recognition of Haitian Flag Day and the history of Haiti, including foreign interference and the importance of protecting Haitian immigrants in Massachusetts. Another senator then honored Malcolm X on the 100th anniversary of his birth, connecting his legacy to the budget process and calling for investments in equity, education, housing, and health care. The Senate then adopted an order to meet the next day at 10 a.m. with the general appropriations bill as the only item on the calendar, and adjourned.
DE
Delaware 2025-2026 Regular Session
House Health & Human Development Committee Meeting Jun 18th, 2026
Health & Human Development
Transcript Highlights:
- Another key provision is that debt collection activity must stop while a financial assistance application
- During that period, a hospital cannot send the debt to collections, report the debt to a credit bureau
- Today, through this legislation, we are stopping that debt from building up in the first place.
Keywords:
Delaware Health Fund, healthcare access, preventive care, tobacco settlement, public health initiatives, grant program
Summary:
The House Health and Human Development Committee met and considered a series of health, human services, and related bills. The committee heard and advanced House Substitute 1 for Senate Bill 13, which standardizes hospital charity care and financial assistance statewide, and Senate Bill 296 with Senate Amendment 1, which restructures the Delaware Health Fund grant process with a more formal, transparent competitive rubric. Both measures received supportive testimony from DHSS, the Delaware Healthcare Association, and the Delaware Nurses Association, and both were released by committee on roll-call votes.
The committee also released Senate Bill 313 with Senate Amendment 1, which places a temporary moratorium on acquisitions of nonprofit acute care hospitals by for-profit entities and expands notice/review requirements for sales of hospital real estate; Senate Bill 340 with Senate Amendment 1, which requires long-term care facilities to carry specified liability insurance, with questions raised about the exemption for state-owned facilities; Senate Joint Resolution 20, which directs DHSS to study independent assessment tools for Medicaid home- and community-based services; and Senate Bill 341, which updates Delaware Health Information Network law and formally recognizes DIN as the state’s health data utility. Testimony on these bills was generally supportive, with some discussion on constitutional concerns, insurance coverage, and the rationale for the state exemption in SB 340.
Later, the committee advanced Senate Bill 257, which requires new animal shelters to be licensed and inspected before operating and removes a prior exception for certain rescue organizations; and Senate Substitute 1 for Senate Bill 278 with House Amendment 1, which allows earlier pre-authorization for summer child care enrollment and lowers copays for half-day care. Public testimony on these measures came from animal welfare advocates, YMCA representatives, and other stakeholders, all largely in support. Each bill was released by committee, with several votes walked for absent members, and the meeting adjourned after all agenda items were addressed.
NM
New Mexico 2026 Regular Session
Senate - Tax, Business and Transportation Feb 17th, 2026 at 05:06 pm
Senate Tax, Business & Transportation
Transcript Highlights:
- REF's property tax division to intercept excess delinquent property auction to repay other... ...tax debts
- such as PIT and GRT debt.
- really—and the other question is in terms of allowing excess auction proceeds to be applied to other tax debt
- goes back to the former property owner, even if they owe personal income tax or GRT or some other debt
FL
Transcript Highlights:
- Finally, there is a voted millage for debt service.
- And finally, there is a debt service millage, also voted, that a handful of school districts levy.
- The second millage is a voted millage for debt service, and the debt service has to be authorized by
Summary:
The Senate Committee on Finance and Tax met for its first meeting of the session, with a quorum present and several members excused. Chair Avila opened by framing the committee’s main focus as property tax relief and housing affordability, noting the complexity of any changes to Florida’s long-standing property tax structure and emphasizing the need to preserve funding for schools and local public safety. He also introduced new committee staff member Tamisha Black and thanked staff for summer work supporting analysis of potential proposals, including constitutional amendment concepts and other property tax relief ideas.
Staff director Azar Khan then presented an update on the General Revenue forecast, explaining that collections remained above estimate but at a slower pace than the prior year, with recent economic indicators slightly weaker than earlier forecasts. He said the new forecast mostly reflected modest adjustments, with a notable share of the increase coming from earnings on investment rather than the usual drivers such as sales tax or corporate income tax. Khan also gave a detailed presentation on ad valorem millages, explaining the different millage types used by school districts, counties, municipalities, special districts, and water management districts; the rollback rate; TRIM notice and hearing timelines; voting thresholds for adopting higher millages; and long-term trends showing millage rates declining over time even as total taxes levied have increased.
Members used the presentations to discuss property tax relief options and the relationship between local property taxes and state revenue. President Passidomo praised staff and Senator Bernard’s summer work on proposals. President Gaetz asked about converting homestead property tax revenue to sales tax and was told the rough equivalent could be around a 2.8-cent sales tax increase, though with important behavioral and distributional caveats. Senator Rouson asked about the decline in corporate income tax estimates, and Khan said it likely reflected changes in national corporate profit expectations and collection patterns, promising a follow-up. The Department of Revenue’s Lizette Kelly confirmed that TRIM data, including adopted millages, rollback rates, and maximum millage calculations, are collected by jurisdiction and can be provided to the committee. No bills were taken up and no votes occurred beyond adjournment, which was adopted by motion.
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 4 on Climate Crisis, Resources, Energy, and Transportation May 20th, 2025
Transcript Highlights:
- case that DWR has been adjudicated against saying that they don't have the authority to issue bond debt
- The second, this would allow for an unlimited amount of bond debt to be able to be implemented at a time
- Who's paying for the debt service while the project is getting built?
- I get that but I think because you know once again it's it's a blanket approval to issue debt which I
- be that does mean the State Department of Finance is going to have to find a way to factor in that debt
HI
Hawaii 2026 Regular Session
ECD Info Briefing - Fri Jun 19, 2026 @ 1:00 PM HST
Hawaii House Floor Meeting
Transcript Highlights:
- Another report we did recently was a consumer debt report.
- This report examined Hawaii's consumers and their debt loads.
- Another report we did recently was a consumer debt report.
- This report examined Hawaii's consumers and their debt loads.
- Another report we did recently was a consumer debt report.
KY
Kentucky 2026 Regular Session
Budget Review Subcommittee on Education. (6-3-26)
Transcript Highlights:
- This had a massive effect on reducing the amount of student loan debt that they had.
- This had a massive effect on reducing the amount of student loan debt that they had.
- debt are they sitting on as a result. debt are they sitting on as a result.
- Another obvious indicator of affordability is student debt.
- So again, we're really pleased to see the debt go down.
Summary:
The Interim Joint Budget Review Subcommittee on Education met for its first summer interim meeting, opened with prayer and the Pledge of Allegiance, and took roll. The first presentation came from Jerry Gels, principal of Ignite Institute in Erlanger, who focused on the rising cost of dual credit. He said dual credit tuition has increased from about $150 to $290 for a three-credit course over roughly five years, which he argued is discouraging participation, especially for working-class and low-income students. He cited Ignite data and broader college outcomes to argue dual credit improves college persistence, shortens time to degree, and reduces student debt, noting that many of his students enter college with substantial credit and that low-income students at Ignite have increasingly participated after targeted efforts and scholarship use. He also said the instructional labor is largely paid by county school systems, so he questioned the size of the tuition increase and said the committee should examine how the costs are being set and whether college tuition should be stabilizing as more students arrive with credits already earned.
Members asked about who pays for dual credit, the role of state scholarship support, and whether tuition varies by institution. Gels said students in his district generally pay the dual credit cost themselves, though some districts may cover it, and he noted the dual credit scholarship now covers fewer classes than before. He said the price appears to be set centrally rather than varying by university, and he emphasized that the higher cost is creating barriers even though the courses are taught largely by local teachers on school payrolls. He also described Ignite’s efforts to expand access for free- and reduced-lunch students, saying participation among that group rose from 27% with no dual credit to about 90-92% taking at least one dual credit class.
The committee then heard from the Goldwater Institute, represented by Michael Frazier and Dr. Tim Minella by Zoom. They argued Kentucky’s public universities should face stronger accountability and transparency, citing declining public confidence in higher education, rising costs, and what they described as administrative growth and research spending that does not clearly benefit students or the Commonwealth. They proposed requiring a 10-year accounting of staffing growth by category, comparing it to enrollment and low-income Kentucky enrollment, and limiting non-STEM faculty teaching releases for research unless approved under a baseline consent process. They also criticized certain university-funded research projects as examples of misdirected spending and said public reporting should distinguish Kentucky residents from non-residents more clearly, pointing to a reported decline in low-income in-state undergraduate enrollment. No votes or formal actions were taken during the meeting.
KY
Kentucky 2026 Regular Session
House Legislative Session Day 36 (2-27-26)
Kentucky House Floor Meeting
Transcript Highlights:
- <00:29:58.000>
reporting, aggressive medical debt reporting, aggressive medical debt reporting - When a that debt to credit agencies.
- with medical debt.
- with medical debt.
- with medical debt.
Summary:
The House convened with an invocation and Pledge of Allegiance, established a quorum, excused absent members, suspended rules to allow co-sponsorships and vote modifications, and approved the journal from February 26, 2026. The clerk then reported several bills on second reading, including measures on state personnel, domestic violence, fish and wildlife resources, open records, workforce investment, data centers, guardians ad litem and domestic relations, along with Senate Concurrent Resolution 9 on a Medicaid pilot feasibility study and Senate Joint Resolution 23 declaring Kentucky a “food is medicine” state.
The main floor business was House Bill 2, the Medicaid reform and appropriation bill. The sponsor described it as a response to rising Medicaid costs and federal changes, saying it would improve transparency, oversight, fraud prevention, and program operations. He said the bill would apply mainly to the Medicaid expansion population and include community engagement, cost-sharing, eligibility safeguards, stronger managed care oversight, transportation and dental delivery changes, waiver program prioritization, greater legislative access to CHFS data, a transparency dashboard, periodic auditor review, and limits on certain weight-management drug coverage. A House committee substitute was adopted, and a floor amendment on phasing in a marginal medical loss ratio requirement over four years was offered as a friendly amendment and adopted.
The House then debated House Floor Amendment 1, which would have removed state-mandated co-payments and limited cost sharing to the federal minimum, while also prohibiting reporting medical debt to credit agencies. Supporters argued the amendment would protect low-income Kentuckians from barriers to care and prevent medical debt from worsening poverty. Opponents said the bill’s co-pays were intended to encourage appropriate use of care, especially to reduce non-emergency emergency room visits, and noted that providers and MCOs could waive or work around some charges. After a roll call vote, the amendment failed 20-39.
After the amendment vote, the House continued discussion of the bill, with the sponsor defending the co-payment structure as a way to promote personal responsibility and sustainability while preserving access to primary care. The transcript ends during further debate on House Bill 2, and no final passage vote is shown in the provided excerpt.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Thursday, September 4, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- <00:25:04.559>
and record of $ 37 trillion in debt and record of $ 37 trillion in debt and - More debt, more projects that are one.
- when you look at the environmental debt when you look at the environmental debt of<00:30:22.480>
- <02:19:45.120>
of Michael and his family a debt of Michael and his family a debt of gratitude - <04:22:33.040>
this 2.3 trillion in total new debt this 2.3 trillion in total new debt this
NH
New Hampshire 2026 Regular Session
House Finance Division I (02/20/2026)
Transcript Highlights:
- Um, I really appreciate the state treasurer coming in and giving us the debt ratio and the calculations
- that she had that this would not break that debt calculation, that the rating agencies like to see of
- Um, I really appreciate the state treasurer coming in and giving us the debt ratio and the calculations
- that she had that this would not break that debt calculation, that the rating agencies like to see of
- that she had that this would not break that debt calculation, that the rating agencies like to see of
Summary:
The committee first considered House Bill 241, which would provide information about alternative pain treatments rather than mandate services. Members cited support from the prime sponsor, medical organizations, insurers, and other stakeholders, and noted there was no fiscal impact. The committee voted unanimously, 7-0, to ought to pass the bill.
It then took up House Bill 629, which raises a boat decal fee and dedicates the revenue to the dam maintenance fund. Members described the state’s deteriorating dam infrastructure, noting the large number of dams, the high-hazard sites, and the much larger funding need, while saying the bill would provide only a modest start. They also said boat owners generally did not strongly object to the fee. The committee voted 7-0 to ought to pass.
House Bill 1042, concerning an increase in the unified contingent credit limit for New Hampshire Business Finance Authority projects, drew more divided discussion. Supporters said the higher cap would provide needed flexibility and liquidity for business development and that the state treasurer and BFA had explained the credit structure and low historical loss rate; opponents warned the increase would raise state exposure too much, too soon. After debate, the chair postponed the bill, then later returned with an amendment lowering the proposed limit from 450 million to 400 million, which the committee adopted unanimously. The committee then moved to ought to pass as amended.
Finally, the committee considered House Bill 1411, which would have allowed withholding payments to the federal government in response to federal actions. Members opposing the bill argued that withholding employee-related funds would be unlawful and ineffective, while supporters said it could serve as a statement and suggested interim study instead. The committee rejected the bill on a 4-3 vote and voted to inexpedient to legislate.
NM
New Mexico 2025 Regular Session
IC - Legislative Finance Jun 26th, 2025
Transcript Highlights:
- Specifically, the Constitution says that except for interest or other payment on the public debt, money
- The debt and its history on slide 4.
- the amount of money, if you go back a couple of slides that we're spending annually on the national debt
- I mean, so there's some big structural issues going on at the national level that, you know, debt at
- matter of course of business year in and year out, that's pretty rough to be accumulating as much debt
MN
Minnesota 2025-2026 Regular Session
House sends governor higher education finance bill, SF1 6/9/25
Minnesota House Floor Meeting
Transcript Highlights:
- importantly, students will feel it when they are left with two deeply depressing choices: take on more debt
- importantly, students will feel it when they are left with two deeply depressing choices: take on more debt
- importantly, students will feel it when they are left with two deeply depressing choices: take on more debt
- importantly, students will feel it when they are left with two deeply depressing choices: take on more debt
- importantly, students will feel it when they are left with two deeply depressing choices: take on more debt
MN
Minnesota 2025-2026 Regular Session
House Housing Finance and Policy Committee 4/8/25
Housing Finance and Policy
Transcript Highlights:
- Minnesota Housing Finance Agency general fund base numbers without the Housing Infrastructure bonds debt
- Minnesota Housing Finance Agency general fund base numbers without the Housing Infrastructure Bonds debt
- Minnesota Housing Finance Agency general fund base numbers without the Housing Infrastructure Bonds debt
- following page, page nine, line one, that section would authorize payment, or appropriate money to pay the debt
- following page, page nine, line one, that section would authorize payment, or appropriate money to pay the debt
TX
Transcript Highlights:
- in the MUD District before that single person authorizes hundreds of millions of dollars of future debt
- the resident of the proposed district, voting once and authorize 100 millions of dollars of future debt
- , parks the trailer there, says, 'I'm here,' goes and votes, and authorizes $850 million of future debt
- So we define that balance between the person who's going to authorize future debt by voting once on 1
- Or we say, look, he should live there because he's going to, he's a vote to create the future debt, and
KY
Kentucky 2025 Regular Session
Budget Review Subcommittee on General Government, Finance, Personnel and Public Retirement (8-20-25)
Transcript Highlights:
- Less public debt carried by reduction.
- These earnings have strengthened Kentucky's financial position, paying down debt, reducing taxes, and
- , financial position, paying down debt, financial position, paying down debt, reducing<00:45:16.560
- I loved hearing that debt ratio per family.
- I wish our national debt would do the same thing. Amen to that.
Keywords:
Meeting Start 00:00:00
Attendance Roll Call 00:00:30
Personnel Cabinet 00:03:25
Department of Veterans Affairs 00:12:40
Auditor of Public Accounts 00:22:39
State Treasurer 00:42:24, 958, all
Summary:
The committee first heard from Personnel Cabinet officials on House Bill 6, which required the Kentucky Employees Health Plan to offer a qualified high-deductible health plan by the 2026 plan year. Officials said the plan was already added for 2025, described it as the lowest-premium option with higher deductibles, and explained that federal rules prevent first-dollar coverage except for limited preventive services. They said 264 members had selected the plan out of about 142,000, and noted it also allows health savings accounts. Members asked about the plan’s benefits, what “catastrophic” meant, the deductible amounts, and whether employees were aware of the option; the cabinet said it would continue to highlight the plan in communications and that the deductible is above $8,000 for individuals and above $16,000 for families.
The committee then received an update from the Kentucky Department of Veterans Affairs on the Bowling Green veterans center. Officials said the current target is to move into the building on October 28, with first admissions about two months later, pending final fixes and certification steps for Medicare, Medicaid, and the VA. They explained that about $7 million in FY25 appropriations lapsed because of construction delays, staffing ramp-up was postponed to avoid unnecessary spending, and the unspent funds should be considered in the next budget request. Members praised the project and asked about annual operating costs; officials said the current operating budget is about $15 million, though they do not expect to spend all of it this year. The commissioner also announced the fifth annual state commanders conference in Lexington, focused on veterans issues and featuring state, federal, and advocacy leaders.
State Auditor Allison Ball then outlined her office’s budget priorities. She said the office is primarily a billing agency that charges audited entities for its work, and warned that some agencies are now signaling they may refuse to pay for audits related to kinship care and the medical cannabis application process. She said the office plans to continue requesting outlier credits for unusually burdensome county audit fees, funding for the ombudsman office’s transition and expanded in-office operations, and revenue replacement for local government audits and possibly state audits and special examinations. Ball also said the office conducts about 500 audits, reviews, and examinations a year and wants to restore performance audits with seed funding, as well as add investigators to the ombudsman office to focus more on child abuse and neglect cases. Members discussed the value of performance audits, the possibility of raising certain board thresholds to account for inflation, and the need for additional capacity to handle more audits.
TX
Transcript Highlights:
- Second, it bases exit... fees on actual value, not a population-based share of debt, which makes much
- During that time, Capital Metro's debt has ballooned to over $230 million driven by infrastructure improvements
- This enormous debt coupled with an unjust exit fee structure traps small cities like ours into a forever
Keywords:
high-speed rail, Texas Department of Transportation, TxDOT, public-private partnership, comprehensive development agreement, CDA, Interstate 35, I-35 corridor, Dallas, Waco, Austin, San Antonio, intercity passenger rail, rail infrastructure, private entity, transportation infrastructure, rail corridor, passenger rail, infrastructure finance, vehicle registration
TX
Transcript Highlights:
- So, Texas public schools owe over $200 billion in bond debt, including interest.
- Those revenues are dedicated to maintenance and, of course, repayment of its debt.
- We don't have underlying debt.
- We basically have no debt on the jail, and we could take out a general fund and pay that debt off.
- debt and increased taxes.
Keywords:
HB26, law enforcement contracts, sheriff, constable, county commissioners court, commissioners court, private security, special law enforcement district, property owners association, POA, municipal utility district, school district, junior college district, local government, contract policing, supplemental police services, large counties, population over 3.3 million, Texas Local Government Code, Harris County
HI
Transcript Highlights:
- It's not the default on the lease per se, but it's they're in debt to the state.
- They may have outstanding debts to the state, to the Department of Education.
- , but they're on have outstanding debt, but they're on state<01:00:08.160>
land <01:00:08.799>< - <01:01:48.720>
to <01:01:48.880>the <01:01:49.119>state any outstanding debt - to the state any outstanding debt to the state owed<01:01:51.760>
because <01:01:52.079>it
Summary:
The House Committee on Water and Land met on March 25, 2025, and first announced it had deleted HCR 3 and HCR 4567 from the agenda pending similar Senate measures. It then heard HR 35/HCR 40, which urges DLNR and other state agencies to work with community groups to co-steward community forests on public lands. DLNR’s urban and community forester testified in strong support, and several organizations and individuals submitted support; there were no questions or opposition noted.
The committee next heard HCR 64, asking OPSD to convene a working group on establishing and placing an Office of Resilience and Recovery. OPSD and the Governor’s Office of Recovery and Resilience supported the resolution and suggested friendly amendments, including replacing county civil defense representatives with mayors or their designees and allowing subject-matter experts to serve. Members questioned the office’s role, funding, and relationship to other resilience and emergency management offices, and the witness explained it was created after the Maui wildfires to coordinate long-term recovery, with special-project funding and a focus distinct from response and mental health functions.
The committee also heard HR 59/HCR 65 on coordinating concurrent reviews of general plan, district boundary, and zoning amendments during land reclassification. OPSD testified with comments and warned that the proposal could facilitate spot zoning if individual landowners could use the concurrent process, recommending it be limited to county-initiated actions. A related discussion followed on HR 118/HCR 122, which would create a collaborative working group on surveying and protecting iwi kūpuna and related coastal erosion issues; DNR, OHA, and others supported it with suggested additions, and testimony emphasized cultural sensitivity and community-specific decision-making. Members asked about burial practices and a recent court ruling, and witnesses said the working group could help guide broader policy and communication.
Finally, the committee heard HR 145/HCR 151, requesting DLNR to report on its lease enforcement process and procedures. DLNR said it was recruiting staff to conduct lease inspections but had difficulty filling positions due to compensation, and explained that new or extended leases can include inspection requirements, while retroactive cost-shifting would raise contractual issues. Members asked for information on lease renewal timelines and whether inspection provisions were being added to renewals; DLNR said those decisions are made in public sunshine meetings and agreed to provide additional information. No votes or final actions were taken in the portion of the meeting provided.
MS
Transcript Highlights:
- There's a schedule that is on the PERS website that lists the portion of debt every employer has from
- <00:32:08.480>
every that lists the portion of debt every that lists the portion of debt every - The other 15% is to pay off what I call the debt, or the obligations that the system already has.
- is to pay off what I call the the debt is to pay off what I call the the debt or<01:04:14.000>
- You still have your requisite proportion of the debt. Uh, and that's a good place for them to look.
Summary:
The committee heard an update from PERS Executive Director Higgins, who reported that the system has about $38 billion in assets, earned roughly 11.7% last fiscal year, and is about 57% funded. He thanked lawmakers for a newly passed $1 billion funding bill and emphasized that funding the existing system remains the top priority. Higgins also noted that the board’s actuarially recommended contribution is about 26% of payroll, while the system is currently receiving about 18.4%, and said PERS will return later in session with a few requested bills.
Higgins addressed several policy topics under discussion this session, including return-to-work rules, first responders, and Tier 5. He said return-to-work changes are possible if the law is changed and funding implications are addressed. For first responders, he said any special treatment should be done within PERS rather than by creating a separate system, with the affected group and parameters clearly defined and fully funded. He also said the new Tier 5 hybrid plan is being implemented on track for March 1 and is projected to improve the system’s long-term financial position by reducing future liabilities and helping pay down the unfunded liability.
Members then questioned Higgins about the system’s funding policy, the 30-year closed amortization period used in the ADC calculation, and whether that approach should be revisited in light of recent funding actions and changes in assumptions. Higgins said the board reviews the policy annually, that the closed amortization approach was chosen to better pay down the unfunded liability, and that the annual valuation and experience studies already incorporate recent funding changes, Tier 5, and the phased employer-rate increases. He acknowledged that a significant new infusion of funding could justify reviewing the amortization period, but cautioned against changing it too often because it could undermine progress toward paying down the unfunded liability.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/26/25
Commerce Finance and Policy
Transcript Highlights:
- It also benefits dentists by reducing the risks of non-payment with medical debt.
- So many people are struggling financially and have high levels of debt in general.
- <00:18:23.720>
Rising non-payment with uh medical debt Rising non-payment with uh medical - debt Rising so<00:18:24.480>
many <00:18:24.799>people <00:18:25.120>struggling < - and<00:18:26.559>
high <00:18:26.760>levels <00:18:27.039>of <00:18:27.240>debt
Keywords:
homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department