Video & Transcript Research : 'premium structure'

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TX
Transcript Highlights:
  • Currently, these Texans face significantly higher premiums that are often five times higher than those
  • disabled with ALS or end-stage renal disease, with the effects being fairly minimal on the senior premiums
  • The senior premiums do go up; there is cost shifting, but it's only a couple percent based on that. out
  • Otherwise, Chris Larkin will experience the same rapid increase in insurance premiums that my wife and
NM

New Mexico 2025 Regular Session

IC - Legislative Finance May 15th, 2025

Transcript Highlights:
  • Uh, what I'd like to do in the next few minutes is, is, uh, uh, do a real brief overview of our structure
  • If you'll move to slide 4, just from a structural.
  • I will say we have a very similar structure in the state of New Mexico for extension to many of our peer
  • , uh, what you call it, structure and, and the, the pod design, um.
  • Uh, we're working on, on improving some of the structure and then the monitoring side of it, um, but
NH

New Hampshire 2026 Regular Session

House Science, Technology and Energy (01/20/2026)

Science, Technology and Energy

Transcript Highlights:
  • <03:45:52.080> the<03:45:52.319> structure zero um this the structure the structure
  • zero um this the structure the structure and<03:45:53.840> the<03:45:54.319> directive
  • Just to make sure I understand how this bill is structured.
  • Just to make sure I understand how this bill is structured.
  • bill is structured. bill is structured.
Keywords: 1189, house, all
NH
Transcript Highlights:
  • , if not a large premium, for local things.
  • if not a large least a small premium if not a large premium<01:29:04.880> for<01:29:05.120>
  • for local things and um and I I premium for local things and um and I I just<01:29:07.120> wonder
  • But a lot of people are willing to pay that extra premium for something local, for something fresher,
  • for willing to pay that extra premium for something<01:30:55.120> local,<01:30:56.080> for
Keywords: 928, house, all
Summary: The committee first took up a Senate message on HB 179, relative to hazardous waste accident fees. Members reviewed the Senate amendment, which would cap the daily non-payment penalty at no more than $1,000 per day and limit the cumulative penalty to 25% of the cost, with no additional daily penalty if the responsible party is following an agreed payment plan. Members discussed the change from the committee’s earlier version, which had allowed penalties up to 100% of the damages, and agreed the revised language was reasonable. The committee voted to concur with the Senate amendment and indicated the bill could be placed on consent. The committee then recessed SB 302, requiring background checks for solid waste facility owners, because a late request for an additional change had not yet been fully reviewed. It next voted on SB 229, relative to the sale of uninspected bison, red deer, and elk meat. Supporters said the bill would expand retail access to these meats, support New Hampshire farms, and improve food security. Members also noted the Department of Agriculture did not object, that the bill would remove a sunset and keep more workable inspection rules in place, and that the animals involved are largely from closed herds. The committee voted unanimously to pass SB 229 and agreed to place it on consent. Finally, the committee considered SB 50, establishing a committee to study the regulation of private animal boarding facilities. Members described disturbing testimony about missing, injured, or dead dogs and the lack of clear oversight, licensing, or even a reliable list of kennels in the state. They discussed possible study topics including licensing, inspection authority, standards, penalties, and protections for both pet owners and boarding operators, including disclosure of medical conditions. The committee voted unanimously to pass SB 50 and also agreed to place it on consent. After the executive sessions, the committee heard a presentation from the New Hampshire Food Alliance on the state’s first food and agriculture strategic plan, introduced by director Nicole Cardwell, with participation from advisory committee members including Rep. Bixby and Commissioner Sean Jasper.
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Monday, March 16, 2026)

US Federal House Floor Meeting

Transcript Highlights:
  • The money Trump has already spent on this war could have paid for a full year of ACA premium tax credit
  • tax credit extensions for premium tax credit extensions for Americans<03:47:21.040> here<03:47
  • We know right now, because of the structure, that USDA has to inspect these plants that process catfish
  • burned structures, and conduct essential<05:25:16.080> forest<05:25:16.480> management
  • It burned more than 145,000 acres, destroyed over 100 structures, including the historic Grand Canyon
CA
Transcript Highlights:
  • The Governor's budget had over $20 billion in structural imbalance.
  • The Governor's budget had over $20 billion in structural imbalance in each of the out years.
  • We continue to have a structural deficit, both in the budget year 2026-27 and the subsequent years.
  • I think it's really just in this framework of the general fund structural deficit.
  • That's just naturally a part of the program structure.
Keywords: 987, senate, all
Summary: The subcommittee heard an overview of the May Revision from the Department of Finance and comments from the Legislative Analyst’s Office on the state’s overall budget condition and natural resources proposals. Finance said the May Revision keeps the budget balanced in 2026-27 and 2027-28, reduces the structural deficit, and includes major natural resources items such as Proposition 4 climate bond spending, including up to $125 million for the Golden Gate Fields acquisition, $23.2 million for wildlife refuge and wetland projects, $25 million for Healthy Rivers and Landscapes, $25 million for Bay-Delta environmental flows, $1 million for coexisting-with-wildlife work, and $2.5 million for cancer-risk research. The LAO said revenues remain strong but argued the budget still relies too heavily on reserves, recommended more savings and fewer new discretionary expenditures, and urged the Legislature to prioritize only urgent health and safety needs while planning for uncertainty in greenhouse gas reduction fund revenues. Members focused heavily on the Golden Gate Fields purchase, Healthy Rivers and Landscapes, the wildlife coexistence initiative, and cap-and-invest funding for transit. On Golden Gate Fields, agency officials said the property is a time-limited, once-in-a-generation opportunity, that the state’s contribution would help secure the acquisition, and that the land would ultimately transfer to East Bay Regional Park District, which would assume operations and maintenance. Officials said the site would be remediated by the current owner, the state would use deed restrictions to prevent commercial development, and the remaining purchase price would be covered by nonstate partners. On Healthy Rivers and Landscapes, Finance and the Natural Resources Agency said the $25 million would support scientific monitoring and early implementation of the Bay-Delta plan update, while the LAO questioned the timing and said the request was premature until the Water Board formally adopts the plan. The committee also discussed the coexisting-with-wildlife proposal and wolf-livestock conflict. Finance said the May Revision’s $1 million proposal would backfill existing funds to support limited-term staffing, deterrence tools, and conflict response, while members and the California Cattlemen’s Association said the need is larger and includes direct loss compensation, indirect loss compensation, and nonlethal deterrence. The Cattlemen’s Association said private insurance is limited and often inadequate for these losses. Members also raised concerns about the greenhouse gas reduction fund and transit, warning that lower auction revenues and possible CARB rule changes could leave major transit and other tier-three priorities underfunded. The LAO recommended planning for multiple revenue scenarios and reconsidering the current cap-and-invest spending framework. No votes or formal actions were taken in the hearing.
AR

Arkansas 2026 Regular Session

LEGISLATIVE JOINT AUDITING Jun 5th, 2026

LEGISLATIVE JOINT AUDITING

Transcript Highlights:
  • Like, I didn't see a number of how much money we lost for having weak structures with, I assumed it was
  • I want to protect our structure here. So could you just... I want to protect our structure here.
  • However, the number of premiums coming in and investment income has generally remained what I'd call
Summary: The Legislative Joint Auditing Committee met on June 5 and first adopted prior minutes and several committee reports. The executive committee report noted adoption of its minutes, staff updates on scheduled audits, approval of an annual financial audit for the City of Horseshoe Bend, and an update on the intern program. The Counties and Municipalities report covered delinquent private water and sewer audits, compliance follow-up with towns including Denning, Gum Springs, Omer, Fargo, Jericho, and Haynes, and review of current and deferred reports; the committee filed most current reports but deferred several and referred some matters to prosecutors and the Attorney General. The Educational Institutions report said 103 education audits were reviewed, most with no findings, while several school districts had findings and one Booneville School District finding was referred to law enforcement. The State Agencies report included findings at the Department of Finance and Administration and a deferred Department of Health report, and the committee filed 13 reports. The committee then received lengthy presentations on the State of Arkansas annual comprehensive financial report and the state single audit for fiscal year ended June 30, 2025. Legislative Audit issued unmodified opinions on the state financial statements, but identified two material weaknesses: insufficient internal controls at the Office of State Technology to monitor threats and unauthorized access, and improper methodology changes and documentation issues at the Division of Workforce Services affecting year-end estimates for unemployment-related accounts. The single audit covered $12.4 billion in federal awards across 469 programs, with 16 major programs reviewed. Auditors reported 33 findings overall, including 31 federal findings, $12.9 million in outstanding questioned costs, and qualified opinions for the Summer Electronic Benefit Transfer program, the Coronavirus Capital Projects Fund, and the Child Care Development Fund cluster. Committee members questioned DHS, the broadband office, OST, DFA, Education, and Workforce Services about the findings, corrective actions, cyber protections, federal drawdowns, child care reporting, and accounting methodology changes. Several agencies described corrective steps. DHS said it had changed how it draws Summer EBT funds, addressed provider revalidation and incarceration-related Medicaid issues, and updated internal processes and staffing. The broadband office said the questioned costs reflected invoice documentation disputes rather than missing payments and expected Treasury review to resolve the issue. OST said it was expanding logging, endpoint detection, and enterprise monitoring, and described broader cybersecurity investments, training, and a roadmap. DFA and Workforce Services addressed the workers’ compensation and unemployment accounting issues, with Workforce Services saying it had updated its policy and submitted the methodology to DFA. After discussion, the committee voted to hold the two statewide audit reports over until the August meeting, with members asked to submit specific questions in advance so only needed agencies would return. The final item was a special report on the Hot Spring County Solid Waste Authority for January 1, 2023 through June 30, 2025. The audit reviewed compliance with laws, board procedures, bidding, payroll, permits, inspections, and cash handling. It noted prior private audit findings on segregation of duties, that recent private audit reports had not been obtained for 2023 through 2025, and that the current administrator said prior office staff and bookkeeping contractors resigned when he was hired. The authority’s operations and revenue sources were described, and the report was presented for committee review.
LA

Louisiana 2026 Regular Session

House of Representatives May 18th, 2026

Louisiana House Floor Meeting

Transcript Highlights:
  • management services, and to provide for the authority of the Office of Group Benefits, covered services, premiums
  • So you're saying this does not apply to existing historic structures, but only to new construction?
  • So you're saying this does not apply to existing historic structures, but only to new construction projects
  • So does this apply only to new commercial structures? Yes. All right, and with that.
Bills: HR286, HR287, HR288, HR289, HR290, HR291, HR292, HR293, HR294, HCR114, HR275, HR276, HR277, HR278, HR279, HR280, HR282, HR283, HR284, HR285, HCR112, HCR113, SCR62, SCR64, SB132, SB135, SB405, HR179, HR216, HR223, HR225, HR274, HCR89, SB39, SB99, SB111, SB112, SB124, SB134, SB174, SB189, SB190, SB201, SB233, SB236, SB258, SB270, SB273, SB288, SB307, SB313, SB320, SB321, SB325, SB326, SB331, SB339, SB341, SB345, SB346, SB347, SB353, SB357, SB359, SB387, SB393, SB401, SB415, SB419, SB422, SB426, SB435, SB437, SB440, SB451, SB464, SB470, SB487, SB488, SB495, SB504, SB505, SB518, SB523, SB228, SB408, HR168, HR174, HR194, HCR54, HCR74, HCR79, HCR87, HCR94, HCR95, HCR97, HCR98, HCR102, HCR104, SCR23, SCR38, HCR26, HB250, HB265, HB339, HB427, HB445, HB463, HB468, HB606, HB639, HB649, HB665, HB746, HB781, HB853, HB861, HB872, HB886, HB916, HB937, HB1054, HB1068, HB1117, HB1237, HB75, HB705, SB34, SB164, SB172, SB198, SB208, SB232, SB281, SB286, SB317, SB322, SB334, SB380, SB385, SB409, SB417, SB421, SB430, SB439, SB447, SB458, SB510, SB54, SB56, SB72, SB79, SB97, SB105, SB123, SB125, SB129, SB163, SB171, SB252, SB287, SB375, SB386, SB461, SB466, HR84, SCR3, HB582, HB625, HB646, HB998, HB1191, HB1255, SB81, SB100, SB109, SB197, SB374, SB479, SB78, HB901, HR20, HR74, HCR65, HCR71, HB284, HB302, HB306, HB341, HB366, HB393, HB458, HB577, HB603, HB605, HB614, HB733, HB752, HB773, HB798, HB911, HB955, HB996, HB1035, HB1069, HB1113, HB1140, HB1180, HB1240, SB82, SB89, HB134, HB258, HB359, HB782, SB149, SB382, SB441
Summary: The House met with a quorum, received a guest minister for prayer, approved the journal, and heard several announcements and recognitions, including NEC Awareness Day, a European Union delegation visit, and the Glenmore Wildcats baseball team’s state championship. Members also received Senate messages, including concurrence on some House measures, the filing of Senate bills, and several Senate resolutions and bills laid over for later consideration. The chamber then took up a long series of resolutions and bills. Among the resolutions adopted were measures on a Louisiana-United Kingdom Trade Commission, support for migratory waterfowl studies, hunting education in schools, SNAP delivery-fee studies, fraud prevention for seniors, subsurface data preservation, boating safety reporting, and visual acuity screening data. Some items were temporarily returned to the calendar, including a sales-tax uniform-base rule resolution and several Senate measures. The House also adopted a resolution creating an agricultural national security task force and another supporting a letter to the U.S. Fish and Wildlife Service. On legislation, the House passed bills on missing-person alerts for people with disabilities (“Brian’s Call”), first responder status for public works employees, planning commission procedures, historic preservation district rules, judges’ supplemental compensation, the Baker Economic Development District, New Orleans downtown development district tax authority, a local crime prevention district, clerks of court records, hotel occupancy taxes in Shreveport-Bossier, firefighter cancer screenings, Shreveport police civil service rules, local ethics entity funding, hemp/alcohol age restrictions, OMV digital signatures, LED recreation, TOPS Tech eligibility for veterans, anatomical gift recordkeeping, crypto kiosk fraud protections, firefighting foam definitions, and consumer data privacy. Several bills failed, including HB 705 on legislative contempt penalties and HB 75 on gaming promotional play. One bill on vehicle insurance reinstatement fees was amended and passed, and a bill on judicial compensation fund adjustments was amended and passed after questions about CPI indexing.
AZ

Arizona 2026 Regular Session

01/27/2026 - House Commerce

Commerce

Transcript Highlights:
  • I am curious at the structure.
  • So it's not a perfect corollary, and that's why this structure is a little bit different.
  • And so, you know, that creates a fraudulent situation just by structure.
  • It costs the system more, and it costs more in premiums and so on, and reduces wages worldwide and globally
Summary: The committee heard and acted on several bills. HB 2192, a child influencer bill, would require compensation for minors featured in monetized content to be placed in trust, allow takedown requests for content as minors become adults, and create remedies for sexualized depictions of minors. The sponsor and Google described it as a modern Coogan-trust style protection; some members raised concerns about the age-13 and age-18 provisions, but the bill received a do pass recommendation on a 9-0 vote with two present. HB 2501, an agency bill, conformed Arizona’s definition of appraisal management company to federal law and passed unanimously. HB 2693, which revises bona fide association rules to allow statewide chambers or business leagues to operate self-funded multiple employer welfare arrangements, drew support from the Chamber and small-business advocates but opposition from a coalition citing possible federal preemption; it passed as amended on an 8-1 vote. HB 2010, the digital goods disclosure bill, required clearer notice that online “purchases” may be licenses, prorated refunds if access changes, and removed some penalty language in amendment; supporters said it would reduce consumer confusion, while retailers argued federal law already covers the issue. It passed as amended 11-0. The committee also approved HB 2279, which limits liability for Grand Canyon river outfitters for inherent risks of rafting while preserving claims for gross negligence or intentional acts, despite constitutional objections from opponents; it passed 7-4. HB 2690, which tightens unemployment insurance eligibility by adding work-search and fraud cross-check requirements, was opposed by advocates who said it would add red tape and burden eligible claimants, but it passed 7-4. HB 2310, clarifying that qualified marketplace contractor agreements may be terminated unilaterally by the contractor, passed 10-0. HB 2555, requiring retail businesses to accept cash for purchases of $100 or less and banning cash fees, passed as amended 9-1 after debate over consumer access and business flexibility. Finally, HB 2199, which expands required education for RV park managers and shifts some enforcement duties to the Department of Housing, passed as amended 7-0 with three present. The committee then considered HB 2459, which would let mobile home park landlords recover actual utility charges and add an administrative fee for submetering; supporters said it would address overcharges and improve transparency, while opponents warned it could increase costs and confusion. The transcript cuts off before the final action on HB 2459.
CA

California 2025-2026 Regular Session

Assembly Insurance Committee Mar 19th, 2025

Transcript Highlights:
  • These fees must apply fairly as a percentage... ...of the policy premiums, and it can be collected over
  • three fatalities, 25 fires that resulted in three fatalities and the destruction of nearly 550 structures
  • .. ...or replaced fire roofs and other essential fire safety measures within five feet of their structures
  • further reflecting on Senator Gallagher's question on, you know, with this current rate regulatory structure
Summary: The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0. The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026. Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.
AR

Arkansas 2026 1st Special Session

LEGISLATIVE JOINT AUDITING Jun 5th, 2026

LEGISLATIVE JOINT AUDITING

Transcript Highlights:
  • Like, I didn't see a number of how much money we lost for having weak structures, which I assumed was
  • Like, I didn't see a number of how much money we lost for having weak structures, which I assumed was
  • I want to protect our structure here. So could you just address that a moment?
  • I want to protect our structure here. So could you just address that a moment?
  • However, the number of premiums coming in and investment income has generally remained what I'd call
Summary: The committee met to adopt prior minutes and reports from its executive and standing committees, including counties and municipalities, educational institutions, and state agencies. Those reports covered routine audit activity, delinquent private water and sewer audits, municipal accounting compliance issues, education audit findings, and several state agency audit items. The committee also reviewed and adopted the State of Arkansas annual comprehensive financial report for fiscal year 2025 and the related single audit report, both presented by Legislative Audit staff. The state financial report showed unmodified opinions on the state’s financial statements and described total assets of about $41.9 billion and liabilities of about $11.1 billion, along with retirement system assets of $39.9 billion and a net pension liability of $9 billion. Two material weaknesses were identified: insufficient internal controls at the Office of State Technology to monitor threats and unauthorized access, and a Division of Workforce Services methodology change for unemployment-related estimates that was not properly documented or approved. The single audit covered $12.4 billion in federal awards across 469 programs, with 16 major programs reviewed; it resulted in 33 findings, 14 with questioned costs totaling $16.6 million, and qualified opinions for the Summer EBT program, the Coronavirus Capital Projects Fund, and the Child Care Development Fund cluster. Members questioned agency officials in detail about the Summer EBT questioned costs, DHS unresolved findings, broadband grant documentation, cyber security controls, workers’ compensation liabilities, and child care funding and reporting. DHS explained that the Summer EBT issue involved drawing federal funds in advance rather than as benefits were redeemed, and said the process has been corrected. Broadband officials said the questioned $6.6 million reflected documentation-detail disagreements across many invoices rather than missing payments. OST officials described new logging, endpoint detection, and phishing-training efforts, and DFA and Education officials addressed specific audit findings and corrective actions. The committee ultimately moved to hold the two large statewide reports over until the August meeting for further review, with discussion continuing on whether to release some agency staff in the meantime.
CA
Transcript Highlights:
  • Right now, a technology called extrusion is the primary way of structuring and texturizing plant-based
  • Right now, a technology called extrusion is the primary way of structuring and texturizing plant-based
  • And it starts with beans and nuts and seeds and then up to structured plant proteins like Beyond Meat
  • We talked about the 25% to 50% premium you have to pay for our products.
  • us, but, you know, we're navigating those, and I think, you know, yeah, it's more of the bigger structural
Summary: The Select Committee on Alternative Protein Innovation held its second informational hearing at UCLA, focusing on California’s alternative protein sector and the role of public institutions in expanding plant-based, fermentation, and cultivated protein options. Chair Ash Kalra opened by highlighting prior state investments in UC research centers, the importance of student engagement, and the hearing’s three panels: reducing the carbon footprint of institutional meals, addressing market challenges to scaling alternative proteins, and advancing future food research and workforce development. Assemblymember Isaac Bryan also briefly praised the committee’s work and its relevance to climate and health goals. The first panel featured Friends of the Earth, UCLA Dining, and the Los Angeles County Department of Public Health. Megan Jones described California school food efforts, including technical assistance and microgrants that helped districts expand plant-based meals, reduce water and carbon footprints, and improve student satisfaction. Pete Angelese explained how UCLA Dining uses concept-driven venues, sustainable purchasing, and marketing nudges to increase plant-forward choices, while Dr. Michelle Wood outlined Los Angeles County’s 2024–2025 board motions to expand plant-based options in county food venues and programs, including joining the World Resources Institute’s Cool Food Pledge. Committee members asked about costs, procurement, and how student and consumer behavior can be influenced. The second panel addressed market barriers to scaling alternative proteins. Zach Weston and Daniel Gertner emphasized that the sector faces a cost-and-scale trap, high capital needs, and financing gaps, and they recommended grants, tax credits, loan guarantees, procurement commitments, and workforce development. T.K. Pillen of Beyond Meat argued that the category has faced a recent downturn due to consumer skepticism, industry attacks on “fake meat,” and pricing pressures, and said the key to renewed growth is increasing demand through better taste, health, pricing, and messaging around “plant protein.” Panelists also discussed hidden subsidies and structural advantages for conventional animal agriculture, and committee members raised questions about iBank loan guarantees and supply chain challenges. The final panel highlighted UCLA’s research and training efforts. Dr. Amy Roet described the Future Food Fellows program, which trains students across disciplines in science, communication, leadership, and community-building, and supports research on scalable, safe, and nutritious alternative proteins. Corinne Smith shared her cultivated meat research and student leadership in the Alternative Proteins Project at UCLA. Dr. Janet Tomiyama presented consumer psychology findings showing that disgust, gender norms, and terminology strongly affect acceptance, with “plant protein” and “complementary proteins” testing better than “fake meat.” The hearing concluded with support for continued public investment, clearer messaging, and expanded education and workforce pipelines to help California remain a leader in alternative protein innovation.
CA
Transcript Highlights:
  • facing rising cost increases that it must cover in areas such as healthcare, utilities, and insurance premiums
  • that the state has significant budget challenges, and the CSU is doing its part to address those structural
  • with San Diego State and Cal State San Marcos, we have aligned our facility planning and academic structures
  • Given the changing fund structure of the law library, we recommend that the legislature direct the state
  • Now if the legislature wishes to keep the existing law library fund structure, we would still recommend
Keywords: 988, house, all
FL

Florida 2026 4th Special Session

February 10, 2026 - 12:30 PM

Commerce Committee

Transcript Highlights:
  • business managed by the underwriting manager is less than 10% of the assumed annual gross written premium
  • Florida's residential property insurance system and ensures homeowners can clearly see what drives their premiums
  • to a consumer and with every offer of renewal to a consumer, and requires the insurer's notice of premium
  • PROPERTY INSURANCE SYSTEM AND ENSURES HOMEOWNERS CAN CLEARLY   1747 SEE WHAT DRIVES THEIR PREMIUMS
  • CONSUMER AND WITH EVERY OFFER OF  1761 RENEWAL TO A CONSUMER REQUIRE  THE INSURER'S NOTICE OF PREMIUM
Summary: The committee first took up PCS for HB 1137, which would codify a long-standing DBPR rule allowing alcohol distributors to deduct excise tax for broken or spoiled products. The sponsor said the rule had been nullified for lack of statutory authority, and industry representatives waved in support. The bill passed unanimously and was reported favorably. Members then approved PCS for HB 797 on nonprofit corporations, described as a broad update to the nonprofit statute that tracks prior for-profit corporation changes and model act language. A technical amendment was adopted, and testimony from the Florida Nonprofit Alliance and a Bar business law section representative was supportive. The bill passed unanimously and was reported favorably. The committee also passed CS for HB 679 on trademark registration, which updates the state trademark system to align with federal classifications and create an online application; an amendment extending the implementation date was adopted before the bill passed. The committee next heard several bills related to licensing and regulation. CS for HB 1433 would create an optional high school financial literacy course focused on property and casualty insurance and allow graduates to satisfy pre-licensure requirements for an entry-level license; it passed with support from insurance and free-market groups. HB 929 clarified local permitting for tiki huts, including electrical and plumbing permits, decks, fasteners, and setbacks, and passed without opposition. HB 99 exempted certain underwriting managers handling limited reinsurance business from reinsurance intermediary manager licensing requirements and also passed. A major portion of the meeting focused on gambling enforcement in the strike-all for CS for CS HB 155, which would strengthen penalties for illegal gambling operations, expand oversight of the Florida Gaming Control Commission, clarify fantasy sports and internet sports wagering language, and allow destruction of seized slot machines. Supporters argued the bill would help shut down repeat illegal internet cafés and related criminal activity; one homeowner group opposed it. The committee adopted the strike-all and the bill passed, with several members speaking in favor and a few voting no. The committee also passed HB 1307 on unauthorized aliens after adopting a strike-all that clarified provisions affecting licensing, housing assistance, workers’ compensation, employment enforcement, and related financial services; the bill drew substantial opposition testimony about language barriers and immigrant families, but also support from proponents citing public safety and victim stories. Later, the committee approved DS for HB 387, which would restrict the use of ADS-B aviation data for automatic billing at airports while preserving landing fees and safety functions. It passed after supportive testimony from a private pilot. HB 865, as amended, would require professional management for community associations above a higher budget threshold, add timeshare-specific language, and impose additional licensing and insurance requirements for managers; supporters cited fraud and lack of enforcement in large associations, while one member opposed it as government overreach. The bill passed with one recorded no vote. Finally, the committee passed PCS for HB 885, a transportation facility designation bill naming several roads and bridges, and began debate on CS for HB 33, which would designate a portion of SR 895 near FIU as Charlie Kirk Memorial Avenue and also codify a Donald Trump boulevard designation. That bill prompted sharp debate, with supporters praising Kirk’s influence and opponents objecting to honoring a non-Floridian and to his public statements; the transcript ends during that debate.
AL

Alabama 2026 Regular Session

Alabama House Feb 24th, 2026

Alabama House Floor Meeting

Transcript Highlights:
  • Uh, is it because before health care premiums increase in January?
  • their health care premiums their health care premiums And<01:33:06.719> we're<01:33:07.040
  • <01:34:06.159> increase before uh health care premiums increase before uh health care premiums
  • Homeowners' insurance premiums are rising. We have a health care crisis.
  • Homeowners' insurance premiums are rising. We have a health care crisis.
Keywords: 1136, house, all
FL

Florida 2026 5th Special Session

Fiscal Policy Feb 12th, 2026

Transcript Highlights:
  • Because I know one of the areas that came out was the cost of the building of the clearinghouse structure
  • The fiscal impact statement goes on to say those offers may result in lower premium offers.
Summary: The Committee on Fiscal Policy met and reported favorably a series of bills after hearing sponsor presentations, public testimony, and roll-call votes. Among the health and public safety measures, CS/SB 68 would require pediatric readiness standards in hospital emergency departments; CS/SB 340 would require nursing students to complete human trafficking identification training; CS/SB 32 and SB 210 would create a new injunction process and related public records provisions for victims of serious violence by a known person; and SB 418 would add autism-focused law enforcement training and a voluntary Blue Envelope Program for drivers with ASD. Each of these bills received supportive testimony and passed the committee. The committee also approved several child safety and community protection measures. CS/SB 606 would add drowning prevention and safe bathing education to postpartum materials, and SB 428 would expand the state swim lesson voucher program to older children, with strong support from advocates and families concerned about drowning risks, especially for children with autism. CS/SB 302 would streamline permitting and incentives for nature-based coastal resiliency projects, and SB 636 would create an alternative beach management pathway for coastal communities, though beach preservation advocates warned about perpetual easement language and funding concerns. SB 628, designating Warrior Sacrifice Way in Pensacola, also passed unanimously. In addition, the committee advanced CS/SB 1734 on juvenile justice, with a late-file amendment updating definitions for juvenile probation and detention officers and codifying detention cost-share language. It also reported favorably CS/SB 246, a specialty license plate bill that was amended to include the UFC plate and an additional first responders resiliency plate, and CS/SB 1028, which revises Citizens Property Insurance Corporation clearinghouse procedures and related insurance market rules. Several witnesses testified in support or with technical concerns on the insurance bill, and members discussed competitive safeguards, clearinghouse scope, and Citizens’ assessment risk. At the end of the meeting, members requested to be recorded on specific bills, and the committee adjourned.
FL

Florida 2026 Regular Session

Fiscal Policy Feb 12th, 2026

Fiscal Policy

Transcript Highlights:
  • about it, because I know one of the areas that came out was the cost of building the clearinghouse structure
  • The fiscal impact statement goes on to say those offers may result in lower premium offers.
Summary: The Committee on Fiscal Policy met and reported a series of bills favorably, covering health care, public safety, insurance, coastal resilience, juvenile justice, drowning prevention, transportation designations, and beach management. Senator Harrell presented CS/SB 68, requiring hospitals with emergency departments to adopt pediatric emergency care policies, training, designated pediatric readiness personnel, and participation in a national readiness assessment; it passed. Harrell also presented CS/SB 340, requiring nursing students to complete two hours of human trafficking identification training before licensure; it also passed. Senator Sharif’s CS/SB 32 and SB 210, creating a new injunction for protection against serious violence by a known person and the related public records bill, were both reported favorably. Senator Garcia’s CS/CS/SB 302 on nature-based coastal resiliency, Senator Jones’s SB 418 on law enforcement interaction with individuals with autism and the Blue Envelope Program, and Senator Martin’s CS/SB 1734 updating juvenile probation and detention officer definitions and related cost-share language were also approved. The committee then took up several drowning-prevention measures. CS/SB 606 by Senator Smith would add drowning prevention and safe bathing education to postpartum materials and direct the Department of Health to create standardized materials; an amendment removed a records-retention requirement, and the bill passed. SB 428 by Senator Yarborough would expand the state swim lesson voucher program from children ages 0-4 to ages 1-7; it received strong support from advocates, including a young swim instructor and autism advocates, and passed. The committee also approved CS/SB 246, a specialty license plate bill that was amended to include the UFC plate and a First Responders’ Resiliency Foundation plate, and CS/SB 1028, which revises Citizens Property Insurance and clearinghouse procedures to prioritize admitted carriers and prohibit public funds for the clearinghouse; that bill drew discussion about market competition, Citizens’ exposure, and potential impacts on policyholders. Additional measures reported favorably included SB 628, designating a portion of South Navy Boulevard in Pensacola as Warrior Sacrifice Way to honor the sailors killed in the 2019 Naval Air Station Pensacola attack, and CS/SB 636 on beach management, which would create a proactive pathway for coastal communities to obtain erosion-related designations and align with federal programs. Beach industry testimony supported the bill’s intent but raised concerns about perpetual easements and funding shortfalls. At the end of the meeting, members recorded additional votes on selected bills, and the committee adjourned.
NM

New Mexico 2026 Regular Session

House - Appropriations and Finance Jan 13th, 2026 at 01:31 pm

House Appropriations & Finance

Transcript Highlights:
  • vacancies right now at the agency, and that is only because of the change in the hierarchy and the structure
  • recommendations fund the $18,000 or 2.2 percent general fund increase for health and risk insurance premiums
Keywords: 996, all
TX

Texas 89th Regular

Senate Session (Part I) May 27th, 2025

Texas Senate Floor Meeting

Transcript Highlights:
  • funding to renovate three state buildings that house our state capital employees, addressing critical structural
  • supporting our educators by providing additional funding to the TRS to mitigate year-over-year health care premium
Bills: SB801, SB867, SB2717, SB2919, HJR7, HB4, HB14, HB27, HB42, HB46, HB100, HB111, HB112, HB121, HB126, HB146, HB186, HB223, HB229, HB322, HB367, HB500, HB521, HB640, HB705, HB783, HB1052, HB1056, HB1105, HB1106, HB1178, HB1211, HB1234, HB1306, HB1403, HB1449, HB1506, HB1661, HB1690, HB1871, HB1960, HB2017, HB2078, HB2128, HB2240, HB2243, HB2348, HB2407, HB2512, HB2820, HB2844, HB2853, HB2854, HB2885, HB3000, HB3005, HB3053, HB3057, HB3181, HB3333, HB3372, HB3425, HB3441, HB3516, HB3749, HB3783, HB3812, HB3848, HB3923, HB3963, HB4070, HB4134, HB4157, HB4158, HB4211, HB4449, HB4623, HB4638, HB4687, HB4690, HB4748, HB4749, HB4795, HB4848, HB5093, HB5115, HB5129, HB5138, HB5294, HB5616, HB5629, HB5646, HB5661, HB5672, HB5674, HB5699, HCR40, SJR5, SJR27, SJR59, SB4, SB6, SB8, SB9, SB10, SB12, SB22, SB23, SB25, SB27, SB34, SB36, SB37, SB38, SB40, SB57, SB140, SB261, SB293, SB441, SB447, SB467, SB512, SB650, SB777, SB785, SB924, SB1188, SB1281, SB1318, SB1333, SB1398, SB1448, SB1566, SB1579, SB1621, SB1723, SB1838, SB1862, SB2167, SB2405, SB2406, SB2407, SB2878, SB3059, SB3070, SB1, SB17, SB21, SB260, SB379, SB509, SB1198, SB1405, SB1506, SB1637, SB1833, SB2155, SB2308, SB2601, SB2778, HB300, HB2011, HB2525, HB5246, SJR36, SJR50, SJR63, SCR12, SCR39, SB2023, SB62, SB666, SB847, SB284, SB854, SB810, SB1505, SB583, SB507, SB1434, SB1772, SB2016, SB1122, SB731, SB397, SB508, SB1436, SB287, SB1882, SB393, SB1791, SB209, SB2429, SB1085, SB1975, SB2717, SB1262, SB636, SB2056, SB884, SB1200, SB1845, SB2458, SB801, SB3014, SB3013, SB758, SB2797, SB2076, SB2876, SB1640, SB1449, SB1181, SB1234, SB2926, SB2841, SB1528, SB1854, SB317, SB1250, SB2082, SB1237, SB2819, SB629, SB2608, SB1602, SB2009, SB867, SB640, SB1698, SB2680, SB913, SB1071, SB1086, SB1087, SB1483, SB1444, SB1553, SB1556, SB1703, SB2133, SB2297, SB2298, SB2622, SB2955, SB2334, SB1367, SB2044, SB2363, SB2565, SB1888, SB3036, SB3057, SB3043, SB3063, SB3035, SB203, SB2688, SB2522, SB2459, SB2655, SB2251, SB1884, SB2928, SB2566, SB2549, SB2553, SB2919, SB1944, SB1232, SB1798, SB2603, SB2607, SB2683, SB1319, SB3045, SB3071, HJR7, HB5115, HB3053, HB1403, HB223, HB748, HB5652, HB3395, HB180, HB1306, HB322, HB126, HB5650, HB4894, HB1629, HB5698, HB3171, HB2694, HB5664, HB4690, HB4464, HB3623, HB2520, HB2213, HB252, HB146, HB5596, HB3619, HB5320, HB5651, HB5670, HB5665, HB5437, HB5679, HB5699, HB5661, HB5662, HB5654, HB5672, HB5656, HB3812, HB3057, HB2035, HB721, HB346, HB2512, HB5695, HB5694, HB5674, HB3185, HB2348, HB1871, HB1135, HB101, HB5666, HB5677, HB5682, HB5658, HB4144, HB3642, HB3815, HB2686, HB2012, HB1960, HB227, HB654, HB1690, HB2128, HB4158, HB4630, HB1523, HB2078, HB1973, HB3333, HB3697, HB3546, HB3225, HB3181, HB2820, HB1506, HB1234, HB640, HB521, HB229, HB186, HB119, HB4795, HB4466, HB3749, HB1106, HB4, HB4170, HB3909, HB4081, HB4145, HB4157, HB4285, HB4463, HB4995, HB5138, HB5624, HB1449, HB2598, HB3629, HB4361, HB824, HB1868, HB4848, HB2243, HB40, HB117, HB3686, HB500, HB3793, HB112, HB104, HB1056, HB42, HB3000, HB100, HB2240, HB718, HB27, HB4904, HB4202, HB2853, HB5129, HB5093, HB4765, HB4748, HB4559, HB4350, HB4214, HB3388, HB3112, HB5196, HB4211, HB3516, HB3092, HB4233, HB4687, HB705, HB1094, HB2037, HB3005, HB3848, HB1105, HB121, HB3372, HB367, HB783, HB3336, HB3441, HB4449, HB5616, HB2407, HB2854, HB3425, HB5294, HB1178, HB4623, HB14, HB3963, HB1211, HB5646, HB5629, HB3783, HB4236, HB46, HB4638, HB1052, HB4070, HB5509, HB5435, HB4134, HB3923, HB3520, HB3320, HB2517, HB2488, HB5663, HB2731, HB3073, HB2655, HB2399, HB541, HB4099, HB111, HB1532, HB3483, HB2963, HB4580, HB3748, HB713, HB632, HB426, HB4730, HB127, HB5690, HB5689, HB5655, HB3385, HB2757, HB4359, HB5381, HB20, HB123, HB549, HB5606, HB2217, HB2594, HB796, HB150, HB1057, HCR141, HCR40, HCR59, HCR76, HCR81, HCR46, HCR111, HCR83, HCR84, HJR7, HB4, HB14, HB27, HB42, HB46, HB100, HB126, HB150, HB322, HB367, HB500, HB640, HB705, HB783, HB1105, HB1178, HB1211, HB1234, HB1506, HB1690, HB1871, HB2078, HB2128, HB2240, HB2243, HB2407, HB2512, HB2853, HB2854, HB3000, HB3057, HB3181, HB3372, HB3425, HB3441, HB3749, HB3783, HB3812, HB3923, HB3963, HB4070, HB4134, HB4157, HB4211, HB4449, HB4623, HB4638, HB4687, HB4748, HB4795, HB5093, HB5129, HB5616, HB5629, HB5699, HB229, HB521, HB1056, HB1106, HB5138, SR583, SCR52, HB223, HB229, HB521, HB1056, HB1106, HB1403, HB3053, HB5115, HB5138
MN

Minnesota 2025-2026 Regular Session

Health Committee Meeting - 2025-04-02

Health Finance and Policy

Transcript Highlights:
  • It would not be just the health plans, and I assume it would be translated into higher premiums, especially
  • The language here was structured after the Ohio.