Transcript Highlights:

• by giving agent contracts to a select few agencies, limiting the options that other insurance agencies
• relationship. ...and that duty between agents and insureds can have drastic consequences.
• In one such case, my insured didn't report a claim because their agent explicitly told them not to.
• Insurers have the right, the freedom to contract. ...with agents that they see fit; that's their prerogative
• I know some of the details to be true as well, where agents pressure insureds not to file claims because

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

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

Transcript Highlights:

• All right, welcome to the Senate Committee on Insurance.
• And number four, the health insurance insurers shall include in the notification how the insurer is utilizing
• And number four, the health insurance insurers shall include in the notification how the insurer is utilizing
• regarding insurance.
• For health insurers and for life insurers, it really keeps that the same, the rest of it the same.

Bills: HB591, HB765, HB826, HB870, HB938, HB1151, HB1162, HB1176, HB1196, HB1236, HB1241

Keywords: family leave, insurance, paid leave, employment benefits, caregiver support, liability insurance, coverage defenses, direct action, judgment enforcement, legal procedures, insurance referrals, compensation, non-licensed agents, consumer protection, insurance products, HB 870, Act 907, Louisiana insurance, health insurance, prescription drugs

Bills: SB45, SB73, SB169, HB243, SB177

Keywords: athlete agents, commission, state regulation, Alabama, higher education, athletics, membership diversity, catastrophe savings account, catastrophe fund, storm savings, disaster savings, hurricane, windstorm, floodwaters, hail, tornado, property insurance, homeowners insurance, insurance deductible, FORTIFIED

Transcript Highlights:

• duties of registered agents amendments. duties of registered agents amendments.
• which they serve as registered agents. which they serve as registered agents.
• If it's a registered agent, a lot of those agents were saying we don't have to talk to you.
• commercial registered agent. commercial registered agent.
• and the registered agent statutes. and the registered agent statutes.

Bills: SF0082

Keywords: registered agents, corporate governance, entity ownership, business regulations, transparency, 916, all

Transcript Highlights:

• I'm just trying to think of how, because municipalities are already insured. They're self-insured.
• I'm just trying to think of how, because municipalities are already insured. They're self-insured.
• <01:09:09.359> They're<01:09:09.520> self-insured. already insured.
• They're self-insured. already insured. They're self-insured.
• ><01:09:51.440> are insurance the insurance amounts are insurance the insurance amounts are already

Bills: SF0082

Keywords: registered agents, corporate governance, entity ownership, business regulations, transparency, 916, all

Transcript Highlights:

• Where are the insurance companies? I'll tell you what, my car insurance keeps going up.
• What type of insurance will optometrists have to get additional insurance?
• What type of insurance will optometrists have to get additional insurance?
• What type of insurance will optometrists have to get additional insurance?
• Will optometrists have to get additional insurance or malpractice insurance?

Bills: HB99, HJR5, HM39, HB206, HB213, SB41, SB153, SB165, SB261, SB264

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

Transcript Highlights:

• Comments from American Property Casualty Insurance Association.
• Property uh Casualty Insurance Property uh Casualty Insurance Association,<00:15:36.079> support
• Okay, seeing none, we do have written testimony and support from Hawaii Insurers Council, opposition
• from the Hawaii Insurance Council. from the Hawaii Insurance Council. uh<00:21:01.679> American
• Property Casualty Insurance uh American Property Casualty Insurance Association<00:21:04.400> in<

Bills: SB3082, SB3110, SB3251

Keywords: military families, family leave, qualifying military exigency, Hawaii Revised Statutes, financial support, Hawaii National Guard, civil-military program, education, collective bargaining, exemption, SB3251, Hawaii public safety, ICE, Immigration and Customs Enforcement, Border Patrol, law enforcement hiring, state employment ban, police powers, Department of Law Enforcement, DLNR

Transcript Highlights:

• Clarifies the Department of Education and its employees and agents shall be immune from any civil or
• Clarifies the Department of Education and its employees and agents shall be immune from any civil or
• Next, we have SB 2390 relating to insurance.
• Next we have State of Hawaii Insurance Division providing comments. >> Good afternoon. >> Testimony.
• that term often allows insurance that term often allows insurance companies<00:48:36.800> to<

Bills: SB3263, SB3261

Keywords: student-athletes, name image likeness, NIL, compensation, transparency, University of Hawaii, Title IX, funding, protections, athlete agents, student athletes, endorsement contracts, professional representation, registration requirements, sports law, 912, senate, all

Summary: The joint Senate Committee on Education and Committee on Health and Human Services heard testimony on several bills related to student health and safety, University of Hawaii programs, and workforce development. For SB 2969, which would appropriate funds for the University of Hawaii to expand and sustain the Maui Wildfire Exposure Study and Maui Health Registry, testimony was overwhelmingly supportive. Witnesses described the ongoing physical and mental health impacts of the August 2023 Maui fires, said the study has identified serious untreated conditions and connected participants to care, and emphasized its role in serving survivors and training students. The committee also heard support from the Department of Health, the Alzheimer’s Association, the American Lung Association, Maui residents, and study staff. No vote was taken during the hearing. The committee then heard SB 2657, which would establish an Alzheimer disease and related dementia research center at the University of Hawaii John A. Burns School of Medicine. University of Hawaii and Alzheimer’s Association representatives supported the bill, saying a local center would improve coordination of existing research, build state capacity, and help Hawaii compete for future NIH designation and federal funding. A family member affected by Alzheimer’s also testified in support, citing the disease’s impact in Hawaii. In response to questions, the university said the proposal would follow a five-year phased plan, with the first year funding used to recruit a senior neuroscientist and staff person, at an estimated cost of about $375,000, and that the effort would still strengthen Hawaii’s research infrastructure even if federal funding is not secured. For SB 2612, which clarifies immunity for Department of Education employees and agents who assist students with medication administration under certain conditions, the Department of Education said the bill is intended to protect volunteers and help ensure students can participate in school activities even when staffing is limited. The committee discussed how volunteers would be selected and whether every school would have someone available, and DOE said schools currently rely on health attendants, nurses, and trained volunteers. The committee also briefly discussed liability language and gross negligence exceptions. The hearing then moved to SB 2412, which would fund a bachelor’s degree program in sign language and sign language interpretation at UH Mānoa with a future master’s pathway. Testimony from interpreters, educators, and university officials emphasized the shortage of interpreters, the need to retain local talent, and the program’s role in building a pipeline; university representatives said the initial request would fund a faculty/staff position as a first step, with additional funding needed later. No final committee action or votes were announced in the transcript.

Transcript Highlights:

• And then our third request is just that if a student needs an agent, then the agent should be certified
• , but allow students to choose not to have agents because some of our student athletes choose to do this
• students to choose not to have agents because<00:03:08.640> some<00:03:08.800> of<00:03
• this bill that talks about agents. Yeah. this bill that talks about agents. Yeah. Okay. Okay.
• responsibilities um that if an agent responsibilities um that if an agent uses<00:32:07.680>

Bills: SB3263, SB3261

Keywords: student-athletes, name image likeness, NIL, compensation, transparency, University of Hawaii, Title IX, funding, protections, athlete agents, student athletes, endorsement contracts, professional representation, registration requirements, sports law, 912, senate, all

Summary: The joint committees heard testimony on Senate Bill 3263, which would create a state-supported endowment for University of Hawaii athletics NIL (name, image, and likeness) funding. University of Hawaii Athletics Director Matt Eliott supported the bill, saying NIL requires both immediate funding and a longer-term sustainable solution. He asked for several changes: lowering the initial endowment target from $10 million to $2 million so the fund could start sooner, allowing NIL reporting by team rather than by individual student-athlete, and clarifying that athletes may choose whether to use an agent, while still allowing certified agents or a parent/guardian if desired. Committee members raised concerns about using taxpayer dollars for athlete compensation, the burden on a small-state budget, and whether the university could realistically raise the required matching funds. Several senators questioned whether the university had a concrete fundraising plan and whether the endowment would meaningfully help UH compete with larger programs. Eliott said UH is already fundraising privately for current NIL obligations, had raised more than $1.6 million toward a $3 million annual goal, and would continue fundraising for both short-term needs and the endowment match. He also said the university is not trying to compete with Power Five schools on the same scale, but to be successful at its own conference level. Members also discussed transparency and privacy, with some senators arguing that if state money is used, the public should know how it is spent, while Eliott said individual student-athlete NIL information should remain private and team-level reporting would be preferable. He confirmed international student-athletes are eligible for NIL and said about 60 to 70 UH athletes are currently participating, with more than 100 expected next year. The discussion also touched on UH’s Mountain West media rights and local TV rights, with Eliott explaining that the conference distribution is expected to remain around $3.5 million and that local TV rights would be negotiated separately. No vote or final action was taken during the portion of the hearing provided.

Transcript Highlights:

• Albert Betts, Executive Director, Independent Insurance Agents of Texas.
• I haven't moved to the agents yet. I'm with the insurance counsel.
• The Chair calls Reagan Elmer, Director of Governmental Affairs, Independent Insurance Agents of Texas
• Yes, my name is Reagan Elmer, representing the Independent Insurance Agents of Texas, on the bill today
• agents to serve on the TWIA board.

Bills: SB1642, SB1643, SB2530

Keywords: Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance, commercial automobile insurance, rate approval, consumer protection, windstorm insurance, Texas Windstorm Insurance Association, administrative penalties, coastal counties, 1184, house, all

Transcript Highlights:

• They were told their insurance policy wasn't going to be renewed because their insurer wasn't writing
• Insurance costs from 2023 to 2024 for the Cowboy Church have covered. $35,000 to insurance companies.
• Insurance agents in Texas, we show you registered for HB2213, is that correct? That's correct.
• Their insurance companies...
• This bill doesn't create any new types of insurance or eliminate insurance.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• I represent the Texas Coalition for Affordable Insurance Solutions. Insurance solutions.
• Any insurer may provide personalized property and casualty insurance that creates economies of scale
• The insured is our client, and the insurance carrier is our trading partner.
• And once the contractors, once the builders, once the homeowners, once the insurance agents, once everybody's
• It creates experience that ultimately Representative Wharton sees as an insurance agent.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• If the claimant or the insured...
• Flood Insurance Program policies.
• It also under flood insurance policy would not just be limited to flood insurance program policies, but
• in a variety of insurance products.
• Realtors, Texas Watch, and independent insurance agents for Texas support this bill, and I want to thank

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Insurance will come to order. The clerk will call the roll. Dean. That's it.
• Members, healthcare provider insurance credentialing is a process by which insurers validate the qualifications
• The Texas Department of Insurance requires an insurer to determine a provider's eligibility within 90
• The insurer isn't required to include the applicant in its provider directory until approved under the
• The insurer is entitled to payment from the provider and/or their practice to cover the difference from

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Could this sell me on my insurance either through their agent or directly through the company?
• I'm the Director of Government Affairs for the Independent Insurance Agents of Texas, an organization
• that represents insurance agents, and we've got about 1,100 agencies across the state of Texas. ...that
• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• Members, again, Reagan Ellimer with the Independent Insurance Agents of Texas in support of this legislation

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• <00:08:00.960> premiums with homeowners insurance premiums with homeowners insurance premiums
• <00:09:46.399> in insurance in insurance in Minnesota<00:09:48.320> many<00:09:48.600><
• <00:10:15.000> companies new roof by their insurance companies new roof by their insurance
• conversations about dental insurance conversations about dental insurance mostly<00:25:05.840>
• <01:36:51.280> insurance affordable auto insurance insurance affordable auto insurance insurance

Bills: HF2228, HF46, HF856, HF2149, HF2215

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

Transcript Highlights:

• Credit-based insurance scores have been used in insurance for a few decades.
• We are a statewide organization of independent health insurance brokers and agents, and we have over
• No benefit for the agent. Yeah, so no benefit for the agent to do something unscrupulous.
• We have you registered as Reagan-Elmer, Director of Government Affairs, Independent Insurance Agents
• Again, Reagan Elmer here representing Independent Insurance Agents of Texas, respectfully.

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• I just tell the patient to get on the phone and call the insurance company because what the insurers.
• The first thing is with the other disclosures that are required that an insurer provide to an insured
• So, all this does is just require the insurer to notify the insured that you have a right to request
• assign to single insureds.
• We've just had a good discussion about the loophole in the Texas insurance code that allows insurance

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• Senate Bill 1165 prohibits a health insurer that issues, amends, delivers, or renews an insurance policy
• About two years ago, I had a mammogram that came with my private insurance, as everybody gets.
• But apparently it's not for private insurance.
• This is just private insurance. Absolutely, yes. Please, was that an MRI scan they charged $2,500?
• liability insurance as specified.

Bills: SB1113, SB1115, SB1122, SB1123, SB1125, SB1165, SB1188, SB1193, SB1243, SB1318, SB1477

Keywords: mental health, involuntary evaluation, service of process, court-ordered treatment, evaluation agencies, AHCCCS, remote work, state agency, employment, public health, healthcare, behavioral health, prior authorization, American Indian health program, medicaid, medical examiner, death investigation, body disposal, autopsy, veteran burial

Transcript Highlights:

• I'm a Texas agent as well.
• Is there a way to mandate that these go through state court, other than bringing in the insurance agent
• involved in insurance rates?
• the agents, they can be sued.
• Having the insurance agent in or out doesn't federal, in federal court, there is a diversity jurisdiction

Bills: HB3048, HB3259, HB3646, HB3696, HB3780, HB3781, HB3802, HB3818, HB4294, HB4488, HB2929

Keywords: insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review