Transcript Highlights:

• premiums and making the cost of overall insurance less affordable for more Minnesotans.
• making</c><00:01:43.040><c> the</c> up insurance premiums and um making the up insurance premiums and
• In the speaker's experience, those premiums are the most expensive premiums for health insurance and
• In the speaker's experience, those premiums are the most expensive premiums for health insurance and
• </c><01:08:27.040><c> premiums</c><01:08:27.520><c> to</c> a year more, just insurance premiums to a

Bills: HF3388, HF400

Keywords: HF3388, Minnesota premium security plan, reinsurance, health insurance, group health carriers, MCHA, MNsure, individual market, premium stabilization, carrier assessment, health insurance assessment, premium security plan account, state innovation waiver, high-risk pool, reinsurance payments, healthcare premiums, insurance carriers, deferral of assessment, financially impaired condition, HF400

Transcript Highlights:

• Senate Bill 6136 pertains to L&I rate setting for workers' compensation premiums.
• In recent years, L&I has used this reserve to keep premium rate increases lower than the actual expected
• indicated rate for each workers' compensation risk classification as part of its annual proposed premium
• If L&I limits the maximum premium rate increase for any class below that actuarially indicated rate,
• Committee members, Chris Teft from the self-insurers.

Bills: SB6136, SB6188, SB5944

Keywords: workers' compensation, industrial insurance, premium rates, rate transparency, actuarial rates, contingency reserves, Department of Labor and Industries, L&I, risk classifications, employer premiums, insurance regulation, rate setting, premium increase limits, workers' compensation advisory committee, retrospective rating, state insurance fund, accident and medical aid funds, SB 6188, asbestos, asbestos training

Summary: The Labor and Workplace Standards Committee held public hearings on several Labor and Industries-related bills. SB 6039 would allow L&I to send notices electronically, with an opt-out option for recipients; the sponsor and L&I described it as a simple modernization and transparency measure. SB 6136 would require L&I to publish actuarially indicated workers’ compensation rates and explain when rate increases are capped below those levels; the sponsor said it would show when reserve funds are used to hold rates down and improve transparency. SB 6188 would expand L&I’s authority to set asbestos certification rules beyond only those specifically required to match federal law; the sponsor and L&I said it was needed to strengthen worker safety and training standards, while a business group raised concern about diverging from federal rules. SB 6014 would make technical fixes to pregnancy and postpartum workplace accommodation law, including a public records exemption for complainants and participants in investigations and a correction to a cross-reference so basic accommodations remain protected without a doctor’s note requirement; a supportive witness said it restored the intended standard and protected privacy. SB 6058 would give L&I discretion to investigate wage complaints under the Wage Payment Act and allow penalties for willful violations when the department initiates an investigation; L&I supported the bill and requested an amendment already adopted in the House companion to reduce costs and avoid conflict with another wage recovery bill. The committee then took executive action on five bills. E2SSB 5061, requiring annual prevailing wage adjustments in public works contracts, was amended to allow a change order only when the wage increase exceeds 5% and to delay the effective date to July 1, 2028; the committee adopted the effective-date amendment but rejected the change-order amendment, then passed the bill 7-2. SSB 5874, allowing ESD to waive penalties for minor unemployment insurance reporting errors, passed 9-0. SB 5944, making missed-appointment payments part of bargained compensation for language access providers, also passed 9-0. SSB 5972, expanding binding interest arbitration for correctional officers in city and county jails regardless of county size, had two proposed amendments to limit the binding effect and require consideration of employer finances; both were rejected, and the bill passed 8-1. ESSB 6302, requiring L&I to investigate possible misclassification when three or more independent contractors perform finishing work on a public works project, passed 9-0. The committee then adjourned.

Transcript Highlights:

• Oklahoma homeowners pay some of the highest insurance premiums in the nation, and this is for protections
• Oklahomans pay some of the highest insurance premiums in the nation.
• Oklahomans pay some of the highest insurance premiums in the nation.
• premiums is certainly concerning.
• related to homeowners insurance.

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

Summary: The committee heard a series of insurance-related bills, with much of the discussion focused on homeowners insurance rates, transparency, and regulatory oversight. House Bill 3696, a proposed rate-approval style measure for homeowners insurance, drew extensive questioning about whether it would actually lower premiums, its comparison to Texas, the role of the Insurance Department and Attorney General, and possible effects on carriers and agents. The author said the bill was intended to increase transparency and consumer protections, acknowledged it was a work in progress, and agreed to strike the title and keep working with the committee. The bill ultimately passed the committee on a recorded vote. The committee also advanced House Bill 3259, which would prohibit certain health care contract clauses such as all-or-nothing, anti-steering, gag, and most-favored-nation provisions; House Bill 4294, a follow-up to Dylan’s Law dealing with epilepsy-related insurance coverage and neurostimulator devices; and House Bill 4488, which would let the Insurance Commissioner appoint an impartial umpire when a body shop and insurer cannot agree on a loss value. House Bill 3646, a broad and still-developing insurance bill involving rate review, litigation, venue, AI use, and Attorney General involvement, generated substantial concern from members about workability, litigation, and agent exposure. Its author said it was not final, but the committee voted it down. Later, the committee passed House Bill 3048, a cleanup measure for surplus lines licensing laws; House Bill 3780, requiring an independent actuary review as a transparency measure; House Bill 3781, changing the timing from use-and-file to file-and-use with a 60-day review period while the author said he did not want rate approval; House Bill 3802, delaying rate adjustments after a spouse’s death until renewal; House Bill 3818, creating a home and auto savings account framework intended to help policyholders raise deductibles and lower premiums; and House Bill 2929, which limits how far back insurers may look at homeowners and auto claims for underwriting purposes. Most of these bills passed with little or no opposition after brief questioning.

Transcript Highlights:

• Chair, if I may, I want to make sure, with the delay in this, there's no premiums that would be paid
• Chair, I mean, I think there's basically only one account: the Family and Medical Benefit Insurance account
• c> there</c><00:10:00.320><c> there</c> There is ample funding in the Family and Medical Benefit Insurance
• Unemployment insurance is being drawn at the same time as paid family medical leave; that's against the
• Unemployment insurance is being drawn at the same time as paid family medical leave; that's against the

Bills: HF11

Keywords: Minnesota Paid Leave, paid family and medical leave, family leave, medical leave, implementation delay, premium collection, employer premiums, state payroll tax, workforce, labor, benefits administration, DEED, Department of Employment and Economic Development, employer notice, seasonal employees, private plans, actuarial study, outreach and education, employee rights, reinstatement

Transcript Highlights:

• Yes, so I think the paid leave law is very clear that you may not both collect unemployment insurance
• not you know both<00:04:55.080><c> collect</c><00:04:55.400><c> unemployment</c><00:04:55.919><c> insurance
• </c> both collect unemployment insurance both collect unemployment insurance benefits<00:04:56.639><c

Bills: HF11

Keywords: Minnesota Paid Leave, paid family and medical leave, family leave, medical leave, implementation delay, premium collection, employer premiums, state payroll tax, workforce, labor, benefits administration, DEED, Department of Employment and Economic Development, employer notice, seasonal employees, private plans, actuarial study, outreach and education, employee rights, reinstatement

Transcript Highlights:

• So I was giving them some extra money, but it was supposed to be coming out of a portion of insurance
• premiums that was already being collected.

Bills: HB27, HB143, HB205, HB308, HB311, HB417, HB430, HB562, HB812, HB1129

Keywords: inmates, department of public safety, per diem, local correctional facilities, jail funding, insurance premiums, Municipal Fire and Police, dedicated fund, assessments, Louisiana legislation, hazardous waste, cleanup fund, environmental protection, state treasury, Consumer Price Index, law enforcement, firefighters, health insurance, survivors benefits, Lafayette

Transcript Highlights:

• Oklahoma homeowners pay some of the highest insurance premiums in the nation, and this is protections
• Oklahomans pay some of the highest insurance premiums in the nation.
• premiums is certainly concerning.
• What I would say is, as insurance is generally a pass-through, meaning that the insurers are generally
• involved in insurance rates?

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

Transcript Highlights:

• The program is funded through a premium paid by employers and employees, and the total premium rate is
• That report must include the lowest premium rates necessary to maintain solvency of the PFML account
• The bill retains the total premium rate cap of 1.2%. ...limiting fluctuations in premium rates, and by
• The bill retains the total premium rate cap of 1.2%.
• rate below the actuarially indicated rate for any risk class and when doing so results in a premium

Bills: SB6134, SB6136, SB6188

Keywords: unemployment insurance, UI benefits, striking workers, strike, labor dispute, retroactive wages, overpayment assessment, overpayment recovery, Employment Security Department, ESD, claimant notice, benefit recoupment, Washington unemployment law, worker notice, federal unemployment tax credit, state unemployment fund, workers' compensation, industrial insurance, premium rates, rate transparency

Summary: The Labor and Workplace Standards Committee held public hearings on several labor-related bills. Senate Bill 6197 would change plumbing license suspension standards from three violations in three years to five violations in five years, remove the requirement that the Advisory Board of Plumbers recommend suspension, and require L&I enforcement updates; the sponsor and industry witnesses said the revised version was stakeholder-supported, though some wanted clarification about how prior infractions would be treated. Senate Bill 6134 would require the Employment Security Department to notify striking workers applying for unemployment benefits that they may later owe overpayments if they receive retroactive wages; testimony generally supported the bill as a safeguard. Senate Bill 5292 would replace the PFML program’s statutory look-back premium formula with a forward-looking actuarial rate-setting method while keeping the 1.2% cap; labor, business, and advisory board witnesses supported it, while one policy witness supported the rate-setting change but opposed the added four-month reserve requirement. Senate Bill 6106 would amend the state WARN-style layoff notice law to exempt tribes and protect employee names and addresses from public disclosure; ESD and business supported the privacy and tribal-government changes, while agricultural witnesses asked for a separate seasonal agriculture fix. The committee also heard testimony on SB 6197 from plumbing industry groups, with support for stronger enforcement but disagreement over retroactive treatment of infractions. In executive session, the committee acted on six bills. It adopted amendments and reported out Engrossed Second Substitute Senate Bill 5847, which expands access to medical care in workers’ compensation, including allowing some out-of-network attending providers and authorizing additional claims managers; the bill passed 7-2. Substitute Senate Bill 6014, a cleanup bill correcting a date typo and protecting sensitive L&I records from public disclosure, passed unanimously. Substitute Senate Bill 6039, allowing L&I to use electronic communications while preserving a non-electronic option, also passed unanimously. Engrossed Senate Bill 6058, giving L&I discretion to prioritize wage complaints, passed unanimously after a clarifying amendment. Senate Bill 6136, requiring publication of actuarial indicated workers’ compensation rates and disclosure when rates are set below those levels, passed unanimously. Senate Bill 6188, which would expand L&I’s asbestos rulemaking authority, passed 6-3 after the committee rejected an amendment that would have restored current-law limits and tied rules to the EPA model plan.

Transcript Highlights:

• For those employers using out-of-state insurers that are coming into Texas, would those premiums potentially
• Credit scores are commonly used when setting personal automobile or residential property insurance premiums
• or rating of insurance that adversely affects a consumer's premium to update credit scores and ratings
• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• An insurance company has a duty when their insured causes an accident and their insured gets sued.

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:

• Shortly after, her homeowner's insurance premium jumped from $185 to $283, which doesn't sound like a
• premiums in Harris County for basic liability insurance and for good drivers.
• SB 51 obligates employers to pay health insurance premiums of their employees through the end of the
• proof of... ...the other insurance, the company will not waive the premium to the company.
• policy values, unnecessarily drawing a lot of insurance premiums.

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:

• assign to single insureds.
• These various factors can significantly influence the overall insurance premiums, and it's essential
• It underscores the importance of evaluating all relevant factors affecting insurance premiums rather
• Shortly after, her homeowner's insurance premium jumped from $185.60 to $283.75.
• HB2518 by Barry, relating to the use of installment premium payment plans on Texas Windstorm 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:

• If the claimant or the insured...
• Flood Insurance Program policies.
• premiums.
• Many other testimonies that our insurance premiums and the way benefits are designed are a balancing
• Because if you're in an escrow, you're going to find out that that insurance premium probably ate your

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:

• It increases the dedication of a certain portion of insurance premium assessments into the municipal
• But their budget and the nine collections on some of the IPT, the insurance premium tax funds, have not

Bills: HB27, HB290, HB308, HB311, HB382, HB417, HB575, HB755, HB980

Keywords: HB 290, Act 426, sunset law, Department of the Treasury, Louisiana Treasury, re-creation, reauthorization, statutory entities, termination date, sunset review, Title 49, fiscal administration, state finance, agency continuation, legislative authority, insurance premiums, Municipal Fire and Police, dedicated fund, assessments, Louisiana legislation

Transcript Highlights:

• So, are there any like independent appraisers that wouldn't be underneath an envelope of an insurance
• House Bill 2955 updates and modernizes the Oklahoma captive insurance company act.
• Insurance Association to improve the state's captive insurance framework.
• It's a bill that I've been working on with the insurance department since last summer.
• insurance.

Bills: HB3783, HB2955, HB3802, HB4488, HB2471, HB3781, HB3127

Keywords: HB3783, plumbing apprentice, endorsed apprentice, endorsed plumbing apprentice, journeyman plumber, plumbing license, Construction Industries Board, Committee of Plumbing Examiners, apprenticeship, trade license, vocational education, occupational licensing, professional licensing, Title 59, Plumbing License Law of 1955, licensure exam, journeyman examination, apprentice registration, plumbing industry regulations, administrative penalty

Transcript Highlights:

• This is an anticipation of being able to help keep insurance premiums affordable for individuals when
• This is an anticipation of being able to help keep insurance premiums affordable for individuals when
• are paid by those who buy the insurance in their premiums.
• </c> onto premium payers. onto premium payers.
• </c> insurance in their premiums. insurance in their premiums.

Bills: HF4502, HF3388, HF4106, HF400, HF4138, HF4118, HF4203

Keywords: trusted contact, financial exploitation, elder abuse, elder financial abuse, fraud prevention, financial institution, banking, credit union, broker-dealer, account security, dormant account, consumer protection, scam, suspicious activity, protective services, law enforcement reporting, Minnesota Statutes chapter 45A, HF3388, Minnesota premium security plan, reinsurance

Bills: HB2008, HB2075, HB2203, HB2395, HB2409

Keywords: school libraries, public school libraries, library funding, professional associations, library associations, librarians, information services, dues, membership fees, public monies, school governing body, county free library district, municipal library, library contracts, library services, books and programs, Arizona education, Title 15, Library Freedom Act, school district transparency

Transcript Highlights:

• How much was the insurance portion of that? The insurance? What would they pay me?
• The goal of Senate Bill 1332 is simply to allow health insurers to waive employer premiums.
• The bill allows health insurers to waive employer premiums for the employer who provides late notification
• Current law does require employees to be responsible for the health insurance premium until the end of
• This bill obligates employers to pay the health insurance premiums for employees that terminate employment

Bills: SB95, SB268, SB493, SB619, SB660, SB922, SB984, SB1098, SB1188, SB1307, SB1332, SB1822

Keywords: immunization, written informed consent, civil liability, health care provider, vaccine compensation, administrative penalty, health care, licensing, complaint procedure, disciplinary action, law enforcement, pharmacy benefit manager, PBM, gag clause, prescription drug pricing, out-of-pocket cost, cash price, pharmacist, pharmacy, prescription drug benefit

Bills: HB141, HB161, HB231, HB67

Keywords: HB141, Alabama, state employees, salary deductions, payroll deduction, State Comptroller, membership dues, voluntary contributions, insurance premiums, financial instruments, employee associations, state payroll, Code of Alabama 1975, Section 36-1-4.3, public employees, union dues, benefits administration, payroll withholding, financial products, deferred compensation

Transcript Highlights:

• Do you agree that insurance bills should go through other committees other than the Insurance Committee
• My personal preference is that any Title 36 bills and bills for insurance would go through the Insurance
• In insurance mandate reviews, that's a pretty broad term.
• are constantly talking to us about the cost of insurance increase.
• Insurance announced. Rope on the hall. Roll call is now in progress.

Bills: HB2975, HB3405, HB3406, HB3728, HB3902, HB3977, SB397, HB1161, HB2938, HB2939, HB3306, HB3722, HB4113, HB4123, HB2293, HB3176, HB3545, HB3546

Keywords: poultry waste, nutrient management, environmental regulations, agriculture, water quality, pollution prevention, best management practices, noxious weeds, poison hemlock, kudzu, landowner responsibilities, environmental control, public nuisance, eradication, burn bans, fire danger, drought conditions, emergency declaration, scrap metal, regulation