Transcript Highlights:

• From 2012 to 2022, for every dollar collected in premiums, some insurers in California spent $1.13 in
• And how those costs translate into premiums and frankly ultimately?
• Gordon, NFIP has been experiencing a decline in direct premiums written. Mr.
• The average home insurance annual premium rate in the U.S. last year was $2,151.
• Do you have a sense of how much premiums like how much we We would estimate premiums would go up if NFIP

Keywords: homeowners insurance, natural disasters, insurance costs, climate change, disaster preparedness, federal policies, bipartisan solutions

Summary: The meeting reviewed critical issues surrounding the rising costs and accessibility of homeowners insurance across the United States, particularly in light of increasing natural disasters linked to climate change. Members engaged in extensive discussions regarding the implications for families and the economy, citing significant increases in premiums and decreasing availability of policies in high-risk areas. Supervisor Peysko highlighted the direct impact of federal policies on local communities, emphasizing the growing burden on homeowners as they face skyrocketing insurance costs amidst a backdrop of environmental challenges and regulatory constraints. The committee expressed a unified call to action for bipartisan solutions, focusing on improving building codes and enhancing disaster preparedness measures.

Transcript Highlights:

• RATE INCREASES, YOU'LL NOTICE THE 12.8% AVERAGE IN THE BOTTOM AND GREEN AND WE PROVIDED THE AVERAGE PREMIUM
• IN THE ACA MARKET THROUGH THE INCREASED SUBSIDIES REALLY ENHANCED ADVANCED PREMIUM TAX CREDIT.
• >> IN 2021 THE AMERICAN RESCUE PLAN WAS PASSED AND THAT PROVIDED AN ENHANCED PREMIUM TAX CREDIT.
• >> PREMIUMS DID STAY LEVEL, YOU SAW MODEST INCREASES OVER THAT >> PREMIUMS DID STAY LEVEL, YOU SAW MODEST
• AND THEN THE TOP LINE THE LOWEST PRICE YOU HAD THE TOP TWO YOU HAD SOME ZERO PRICE PREMIUM PLANS.

Transcript Highlights:

• farmers face both high premiums and high deductibles?
• /c><00:03:57.159> high farmers face both High premiums and high farmers face both High premiums
• formulas and particular exemptions from paying premiums.
• <01:11:56.480> thank premiums thank premiums thank you<01:11:59.000> thank you thank you
• <01:25:04.719> tax we have made enhanced premium tax we have made enhanced premium tax credits

Bills: HF10, HF27

Keywords: undocumented immigrants, state funding, MinnesotaCare, scholarship ineligibility, state assistance, permit to carry, concealed carry, handgun permit, firearm permit, pistol training, sheriff, application process, electronic filing, mail application, fax submission, certified mail, certified delivery, gun rights, Second Amendment, firearms regulation

Transcript Highlights:

• Our premiums did time through to 2016. Our premiums did not<01:21:18.880> increase.
• My premiums have gone up.
• My premiums have gone up.
• My premiums have gone up.
• My premiums have gone up.

Keywords: 1191, senate, all

Transcript Highlights:

• Without action, premiums Without action, premiums will rise for families purchasing insurance on the
• Redemption prior to maturity, with or without a premium.
• If the amount of premium taxes, or the sum of all premium taxes filed by all insurance companies on any
• In 2019, estimated cost to premiums, $34 million.
• Acupuncture coverage, $18 million, to increase premiums.

Keywords: 981, all

Transcript Highlights:

• Whenever the federal government eliminated the surcharge on the premium on private market premiums...
• If the state's premiums went up, then the private insurance premiums go up.
• And to lower the cost of that premium comes at a cost of someone else whose premium is going to go up
• Now, what is the premium, a normal premium for any of the other state employees that we're now going
• It says GF via H or SHB premium and then down there it says member premium, so that's the actual members

Transcript Highlights:

• system UI Online uh to collect premiums system UI Online uh to collect premiums as<00:37:41.800>
• Reporting and premiums, obviously, that's sort of the payroll deduction and premiums payments, and then
• <00:48:01.880> will then the first quarterly premiums will then the first quarterly premiums
• In 2026, when premium collection starts, they'll use that same system to pay their paid leave premium

• know to pay uh their paid leave premium know to pay uh their paid leave premium much<01:28:26.639

Keywords: 1183, house

Transcript Highlights:

• Our retiree monthly premiums that we collect once they enroll with us.
• It also gives actual premiums that our members have paid.
• And if we look at the Medicare Advantage, our premiums...
• Our premiums back in 2017 were actually higher than some of the premiums that we have now in 2025.
• And we've had actually lower trends as far as premium increases.

Transcript Highlights:

• premiums.
• Dollar premiums for this population.
• We're opposed to Medi-Cal, and we're also opposed to the premiums, the discriminatory premiums for undocumented
• We're opposed to the premiums, the discriminatory premiums for undocumented immigrants 19 and over, and
• We're opposed to the premiums, the discriminatory premiums for undocumented immigrants 19 and over, and

Summary: The Assembly Budget Subcommittee on Health held the first of several hearings on the Governor’s May Revision for health care, with opening remarks focused on the state’s projected $12 billion deficit, looming federal Medicaid changes, and the potential impact on Medi-Cal, public health, reproductive health, and safety-net providers. Several members criticized the proposal as balancing the budget on vulnerable Californians, while others defended the need for cost containment and questioned the administration’s assumptions. The chair set ground rules for respectful, focused questioning and outlined three topics: the Medi-Cal proposals, Proposition 35, and Proposition 56. DHCS Director Michelle Baas presented the May Revision’s Medi-Cal package, saying the department’s budget totals $200.6 billion overall, including $45.2 billion General Fund, and that the proposals are intended to address rising caseloads, pharmacy costs, and managed care spending. She described proposed changes for adults with unsatisfactory immigration status, including a freeze on new full-scope enrollment for those 19 and older, $100 monthly premiums beginning in 2027, elimination of adult dental and long-term care coverage, removal of PPS/RAP payments to FQHCs and rural health clinics for that population, and a pharmacy rebate aggregator. Other proposals included eliminating certain OTC drug classes, removing GLP-1 coverage for weight loss, prior authorization and step therapy changes, reinstating the Medi-Cal asset test, eliminating acupuncture as an optional benefit, allowing utilization management for hospice, raising the managed care minimum medical loss ratio to 90%, reducing PACE capitation rates toward the midpoint of the actuarial range, eliminating the skilled nursing facility workforce and quality incentive program, and suspending the SNF backup power requirement. The LAO said the revised Medi-Cal spending estimate is about $2.5 billion higher than the Governor’s Budget in the budget year, and that the increase appears driven more by higher per-enrollee costs than by caseload alone. The LAO said the budget solutions are concentrated in a few areas, are largely ongoing, and should be considered in light of federal uncertainty, but suggested the Legislature could explore alternatives such as more targeted income thresholds for the undocumented expansion and simpler asset-test rules. Department of Finance officials said the proposals are difficult but necessary to address a third consecutive deficit and rising Medi-Cal costs. Members then pressed the administration on the methodology and impacts of the proposals, especially the enrollment freeze, premiums, asset test, hospice controls, PACE reductions, and the elimination of benefits and provider payments. No votes or formal actions were taken at this hearing.

Transcript Highlights:

• My weekly premium is $321.64, and that is weekly.
• So when drug costs spike, so do premiums, jeopardizing affordability and access.
• But state mandates account for more than 17 percent of premiums in Massachusetts.
• But state mandates account for more than 17 percent of premiums in Massachusetts.
• Legislature to examine the effects a law or regulation would have on insurance premiums.

Keywords: 995, all

Summary: The Joint Committee on Health Care Financing held a public hearing on a broad set of health care bills focused on cost, market oversight, pharmaceutical access, transparency, hospital closures, and pharmacy access. Chairs John Lawn and Cindy Friedman opened by emphasizing recent health care reforms and the need for further action on the drug supply chain, PBMs, private equity, and affordability. The committee heard testimony on several measures, including a Betsy Lehman Center bill to make technical changes and create a permanent trust account for federal and private funding, and bills on hospital profits and fairness, hospital closures and health planning, pharmacy deserts, and health care market oversight and pharmaceutical access. No votes were taken during the hearing. On the hospital profits bill, physicians and labor advocates strongly supported capping hospital CEO compensation at 50 times the lowest-paid worker, requiring greater financial transparency, and directing penalties from high-margin public hospitals into a Medicaid reimbursement fund. Testifiers argued that executive pay is excessive while frontline staff and safety-net services are under strain. Committee members raised concerns about unintended consequences, including whether hospitals might shift workers to contract status or lose executive talent, and whether the bill would actually direct money to the safety net. Supporters responded that the measure is one piece of a larger effort and that the bill’s Medicaid reimbursement provisions would help underserved hospitals. Testimony on market oversight and pharmaceutical access centered on rising health care and drug costs, PBM practices, and the proposal to give the Health Policy Commission authority to set upper payment limits for certain drugs. Consumer advocates, disability advocates, an independent pharmacist, the Attorney General’s office, and others supported stronger oversight, citing premium increases, affordability problems, and the impact of high drug prices on patients and community pharmacies. Pharma and some industry witnesses opposed parts of the bill, warning that upper payment limits could disrupt access, create legal issues, and fail to address the broader supply chain. The committee also heard support for stronger hospital closure notice and public hearing requirements, and for a pharmacy deserts bill aimed at identifying and addressing closures like the one in Roxbury that affected thousands of patients.

Transcript Highlights:

• and you’re late on a premium.
• and you’re late on a premium.
• . premiums. premiums.
• We know that not to pay our premiums.
• So, I paid for my premiums that day.

Keywords: 1183, house

Transcript Highlights:

• If you go look at Connecticut's average premium, it's $217 a month.
• If you go look at Connecticut's average premium, it's $217 a month.
• If you go look at Connecticut's average premium, it's $217 a month.
• correspondingly smaller monthly premium correspondingly smaller monthly premium these<01:38:47.320
• <01:45:09.520> Mr expect to have in their premiums Mr expect to have in their premiums Mr

Keywords: 1187, senate, all

Transcript Highlights:

• We have the state premium subsidy program.
• We have the state premium subsidy program.
• The $1 premium subsidies.
• Premiums are about $600 a month.
• Some people have much higher premiums, and people have lower premiums.

Summary: The Assembly Budget Subcommittee on Health held a May Revision hearing covering several health-related budget proposals and broader concerns about the state’s budget structure. The Chair opened by praising some May Revision changes, such as added health IT funding, county administration support tied to Medi-Cal changes, a delay in Medi-Cal cuts for some lawfully present immigrants, and additional support for Covered California subsidies, while criticizing proposed increases in Medi-Cal premiums, changes to senior eligibility, the lack of a Medi-Cal dental solution, and other reductions affecting counties, mobile crisis units, workforce incentives, and physician shortages. The Legislative Analyst’s Office said the state’s budget condition remains weak despite progress on the structural deficit, and the Department of Finance said the May Revision uses a mix of reductions, reforms, revenue proposals, and fund shifts to cut out-year deficits. The committee first heard Department of State Hospitals proposals, including adjustments to county bed billing authority, contract exemption language for online clinical/pharmacy subscriptions, reversion of unspent funds, a revised Metro Central Utility Plant replacement project, electronic health record implementation, and workforce development funded partly through Behavioral Health Services Act resources. DSH also described savings and realignments in incompetent-to-stand-trial and conditional release programs, including extending the independent placement panel program and shifting funds to support additional bed capacity and a mental health rehab center. Members asked about the use of BHSA funds for workforce programs, and the department said the proposal would replace General Fund support with BHSA reimbursements. The Emergency Medical Services Authority proposed funding for statewide behavioral health crisis response guidance and for enterprise system development, and the Department of Managed Health Care proposed modernization of its complaint system and claims-settlement data system to improve oversight and comply with AB 3275. The largest discussion centered on the administration’s BHSA spending plan under Proposition 1, including state-directed prevention, workforce, and other uses, plus General Fund offsets for existing programs. The LAO questioned whether some proposed offsets fit Proposition 1’s non-supplant and eligible-use requirements, while the administration argued the uses were consistent with the measure and that the state-directed share can be adjusted annually. The Commission for Behavioral Health’s proposals drew the most public and member concern. The administration proposed cutting the commission’s Innovation Partnership Fund from $20 million to $10 million and reducing the Community Advocacy Program by $6.7 million, while redirecting BHSA dollars to other state purposes and direct services. Commissioners, advocates, and several members argued the cuts would weaken community voice, reduce support for underserved populations, and disrupt grants already in process; they also objected to using BHSA funds to backfill General Fund commitments. Public commenters, including youth, disability, behavioral health, LGBTQ, tribal, veteran, immigrant, and community-based organization representatives, overwhelmingly opposed the cuts and urged preservation of prevention, advocacy, mobile crisis, and innovation funding. No votes or final actions were taken during the hearing.

Transcript Highlights:

• Premiums. Insurance is an in-and-out thing.
• That increases premiums.
• Not that they are bad things in themselves, but we look at the effect on premiums.
• No, that does not affect the premiums.
• No, that does not affect the premiums.

Keywords: 1191, senate, all

Transcript Highlights:

• would experience premium increases of 40% or more.
• People wind up paying hundreds or even thousands of dollars more in premiums.
• would still get the same overall number of dollars in premium.
• Decrease the premiums for everybody.
• Accident rates and on premiums, Madam Chair.

Transcript Highlights:

• That is the real health care crisis, not premiums.
• Governor DeSantis ...who pay health insurance premiums and taxes.
• If all of you had to start paying in, it would drive the premiums down.
• It will undoubtedly increase medical malpractice premiums for physicians in Florida.
• I've heard a lot about Miami health care, Miami premiums, all these issues in Miami.

Summary: The Judiciary Committee met to consider HB 6003, a bill to repeal Florida’s “free kill” law that limits certain survivors’ ability to recover non-economic damages in medical negligence wrongful death cases. The sponsor, Rep. Trabulsy, said the bill would restore access to the courts for a small class of families and noted the measure passed both chambers last year before being vetoed by the governor. She and supporters framed the bill as a fairness and constitutional issue, while opponents argued repeal would increase malpractice exposure, insurance costs, and pressure on physician access, especially in high-risk specialties and rural areas. Public testimony was sharply divided. Supporters included family members who described deaths they said were caused by medical negligence and who argued the current law denies accountability and equal treatment based on marital status or whether a decedent had minor children. Opponents included the Florida Hospital Association, Florida Medical Association, Florida Chamber, U.S. Chamber, Florida Insurance Council, and other health care and business groups, who warned that repeal could worsen already high malpractice premiums, contribute to physician shortages, and destabilize access to care. Several speakers on both sides discussed possible caps on non-economic damages as a compromise, though the bill itself was presented as a clean repealer with no amendments. During debate, several members spoke in support, emphasizing equal access to the courts and rejecting the idea that the law should treat some families differently from others. Opponents of the bill argued that the current system helps preserve market stability and that liability concerns, not the free kill law, are driving provider departures. After closing remarks from the sponsor, the committee voted 15 yeas and 1 nay to report HB 6003 favorably.

Transcript Highlights:

• market and help premiums down bring premiums<01:15:05.600> down.
• otherwise built into the premiums. otherwise built into the premiums.
• federal enhanced premium tax credits. federal enhanced premium tax credits.
• be passed on through higher premiums. be passed on through higher premiums.
• with rate or premiums and rates. with rate or premiums and rates.

Keywords: 1187, senate, all

Transcript Highlights:

• Uh we additional premium after the fact.
• <00:26:05.919> So other form of return of premium. So other form of return of premium.
• Um but in this instance if the premium.
• ><00:26:26.799> to<00:26:27.279> premium allocate the money to to premium allocate the
• for premium use those funds for premium stabilization<00:57:27.839> and<00:57:28.880> um

Keywords: 1189, house, all

Summary: The subcommittee took up the pooled risk management program bill and reviewed a new amendment drafted with input from the Insurance Department and Legislative Services. Department witnesses explained that the proposal would move oversight of pooled risk management programs from the Secretary of State’s office to the Insurance Department, add a licensure requirement, preserve the programs’ non-insurer status, and exempt them from third-party administrator licensure. They also described a series of solvency tools in the draft, including financial reporting, risk-based capital standards, minimum capitalization, investment limits, commissioner examination and enforcement authority, rulemaking authority, merger and affiliate-transaction review, confidentiality protections, and a separability clause. A major theme of the discussion was that pooled risk management programs differ from commercial insurers because the risk remains with the member local governments rather than being backed by a state guarantee fund. Witnesses said the bill is designed to emphasize solvency over return of premium and to give the Insurance Department a regulatory “toolbox” to prevent insolvency, including a proposed $5 million excess or stop-loss coverage benchmark, optional accessible policies, and a requirement that boards vote on dividends or premium returns when capital exceeds 600% of risk-based capital. Members questioned how this approach differed from the original Secretary of State bill and whether assessments on towns would still be possible; the department responded that the new framework would allow more flexible oversight and alternatives to immediate court action. The committee also discussed why the statute should continue to say the programs are not insurers, with the department explaining that this preserves their autonomy and avoids applying unrelated insurance laws and premium taxes. Members asked about the department’s workload and were told the department believed it could absorb the new duties without additional funding. No vote or final committee action was taken in the portion provided.

Transcript Highlights:

• He said that today, premiums are the fourth best in the country.
• In fact, the premiums for the $5 million of excess coverage currently are...”
• The bill would also provide, again, to prevent overlapping premium obligations.
• That coverage then will be, I will pay an additional premium. Erie will collect it.
• That premium is then remitted to BRIM.

Keywords: 994, senate, all

Transcript Highlights:

• underwriting policy servicing premium underwriting policy servicing premium billing<00:21:36.400
• Direct written premium is the amount of premium that HPIA collects for the policies written; that's the
• ><00:28:25.880> premium<00:28:26.279> is<00:28:26.440> the cost direct written premium
• is the cost direct written premium is the amount<00:28:26.880> of<00:28:27.120> Premium
• high-rise and single family the premiums high-rise and single family the premiums went<01:09:26.080

Keywords: 910, house, all