Transcript Highlights:

• on the list, House Bill 2188 is the bill that requires L&I to publish certain data on the premium rates
• , when it sets a premium rate below the actuarial indicated rate for a classification, and when other
• risk classifications are affected by a rate limitation.
• It increases from 7 to 10 days the amount of time for L&I or a self-insured employer to provide a declaration
• &I for employers' workers' comp rates.

Bills: HB2188, HB2218, HB2524, HB2563

Keywords: transparency, industrial insurance, insurance rate increases, financial disclosure, regulatory oversight, workers' compensation, medical care, healthcare access, employee rights, insurance coverage, security, regulation, employment standards, security guards, industry board, unemployment, electronic notices, compensation, digital communication, order processing

Summary: The Labor and Workplace Standards Committee met to executive several bills, briefly setting aside House Bill 2563 and later removing it from consideration. House Bill 2188, which requires L&I to publish more information about workers’ compensation premium rates and actuarial data, had no amendments and was reported out with a due-pass recommendation on an 8-0 vote, with one member excused. Members described it as a transparency measure, and support was unanimous. The committee then considered House Bill 2218, dealing with access to medical care in the workers’ compensation system. After a proposed substitute was explained, Representative Schmidt’s Amendment RL 025 was adopted to allow L&I to hire additional claims managers and reduce caseloads. The substitute, as amended, was reported out with a due-pass recommendation on a 6-2 vote, with one excused. Supporters emphasized improving access to care, especially in rural areas and for workers who struggle to navigate the system, while opponents raised concerns about the fiscal note and said they would follow up on inducement language in provisos. House Bill 2524, creating a State Security Guards Industry Standards Board to set minimum employment standards and authorize enforcement, was also advanced. Amendment 236, a technical change adjusting the board’s first meeting date and remittance language, was adopted, while Amendment 237 to remove the private right of action was rejected. The substitute bill then passed out of committee on a 5-3 vote, with supporters arguing it would improve training, stability, and worker protections for security guards, and opponents citing cost concerns and potential impacts on collective bargaining and existing private-sector security jobs.

Transcript Highlights:

• And so the number of veterans residing there is increasing from what I can see when I'm down there at
• And so because of that, they're the benefits have increased exponentially.
• So we're seeing a trend of increasing claims coming to our state and the population is increasing with
• We also have to ask and think about who we want our $400,000 life insurance policy to go to.
• it's not a matter of Increasing the number of people applying for it.

Bills: HB101

Keywords: voter approval, local tax, disaster declaration, tax rate increases, community funding

Bills: HB101, HB290

Keywords: voter approval, local tax, disaster declaration, tax rate increases, community funding, PFAS, agriculture, criminal offense, pollution, Johnson County, environmental regulation

Bills: HB101, HB290

Keywords: voter approval, local tax, disaster declaration, tax rate increases, community funding, PFAS, agriculture, criminal offense, pollution, Johnson County, environmental regulation

Transcript Highlights:

• We've seen an increasing number of veterans living further away from military bases.
• They are not consistently granted in-state tuition rates across all Texas institutions.
• these students, who are actively preparing for military service, receive resident tuition and fee rates
• The bill increases the number of semester credit hours that can be received from 12 to 15.
• It also extends the ability of tuition assistance from five academic years to seven, an increase of two

Bills: HB101, HB290

Keywords: voter approval, local tax, disaster declaration, tax rate increases, community funding, PFAS, agriculture, criminal offense, pollution, Johnson County, environmental regulation, 1185, senate, all

Bills: HB101, HB290

Keywords: voter approval, local tax, disaster declaration, tax rate increases, community funding, PFAS, agriculture, criminal offense, pollution, Johnson County, environmental regulation, 1185, senate, all

Transcript Highlights:

• So, in essence, if insurance companies feel the need to raise insurance rates below a 5% threshold, they
• It gives the insurance companies a good opportunity to present compelling evidence as to why a rate increase
• I think that the evidence I see shows that the rate increases are consistent.
• With the rate increases, we are starting to see the rate increases decrease percentage-wise, but they're
• It because you probably have an increase in your insurance rates.

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 difference between in-network and out-of-network rates.

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:

• And so all those have to be filed when the insurer files for their rates.
• company files the rates, they'll look at how the model interacts with that insurance.
• company files the rates, they'll look at how the model interacts with that insurance.
• Those are modeling companies who actually set rates for the insurance company.
• companies who actually set rates for the insurance company.

Bills: HB2016, HB2104, HB2105, HB2174, HB2256, HB2289, HB2477, HB2903, HB2939, HB2979, HB2996, HB4103

Keywords: tax penalties, filing, tax returns, administration, Arizona Revised Statutes, agricultural property, classification, county assessor, property inspection, appeal process, property tax, agricultural classification, Department of Revenue, property valuation, inspection notice, inspection report, on-site inspection, full cash value, rural land, farm land

Transcript Highlights:

• regulate insurance rates?
• Texas had from 2019 to 2024 a 55% increase in rates according to AARP.
• One of my questions is: do you think that regulating rate increases would slow down insurance companies
• Commissioner to be involved in insurance rates?
• the effect of potentially slowing the pace of rate increases.

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:

• regulate insurance rates?
• One of my questions is: do you think that regulating rate increases would slow down insurance companies
• involved in insurance rates?
• the effect of potentially slowing the pace of rate increases.
• There's been some unreasonable rate increase.

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:

• SB1643 proposes a shift in how property and casualty insurance... Rates are regulated in Texas.
• Under our current file-and-use system, which began in 2003, insurers submit rate files to the TDI and
• In 2023, average homeowners' rates in Texas increased by more than 20%. ...and auto insurance rates increased
• And it's one of the main drivers behind why health insurance rates are high.
• Timely and necessary rate increases are going to wreck our market like it is in California.

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:

• Insurance Association to improve the state's captive insurance framework.
• As we all know, in the headlines, we are looking at the highest insurance rates in Oklahoma for homeowner's
• insurance.
• It also gives some power to the insurance commissioner to determine to do a check to see if the rates
• doesn't increase until renewal time.

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:

• It requires insurers in Texas who use credit scoring in the underwriting or rating of insurance to update
• or rating of insurance that adversely affects a consumer's premium to update credit scores and ratings
• The resulting order from the Commissioner was a 10% decrease in title insurance rates.
• In this line of insurance, particularly, that’s important because we set the rate for title insurance—a
• So your only avenue would be to request a rate adjustment or a rate hearing from the Department of Insurance

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:

• In recent years, L&I has used this reserve to keep premium rate increases lower than the actual expected
• If L&I limits the maximum premium rate increase for any class below that actuarially indicated rate,
• rate for the classification would have been had a maximum increase limitation not been set, and the
• premium rate increase imposed upon other risk classes as a result of the limitation.
• I think it makes a lot of sense to make sure that when the prevailing wage rate is increased, which happens

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

Transcript Highlights:

• This measure requires dental insurers to file all proposed plan rates and rate changes for dental insurance
• It authorizes the insurance commissioner to disapprove the proposed plan rate if the dental loss ratio
• in Hawaii, increasing administrative and benefits administration costs, driving insurer exits, and potentially
• market here in Hawaii, insurance market here in Hawaii, increasing<00:36:51.599><c> administrative</
• </c><00:38:04.480><c> Refund</c> increased premium rates. Refund increased premium rates.

Bills: SB2004, SB2039, SB2042, SB2043, SB2044, SB2132

Keywords: outdoor advertising, billboards, public safety, penalties, community pollution, elections, campaign finance, business entities, political activity, regulation, liability, non-natural persons, insurance, captives, examination, regulations, policyholders, dormant captive, tax exemption, Hawaii revised statutes

Summary: The Senate Commerce and Consumer Protection Committee opened its first hearing of the year with remarks from Chair Jared Kohole outlining hearing procedures, a two-minute testimony limit, rules for remote testimony and decorum, and a revised testimony-publication pilot that keeps 96-hour notice but returns to a standard 24-hour testimony deadline. He then moved through the agenda, beginning with SB 2004 on outdoor advertising, which would increase penalties for violations of billboard and outdoor advertising laws. Testimony on that measure was limited; Henry Curtis of Life of the Land was first up, and written support was noted from Hawaiian Electric and the Outdoor Circle. The committee then heard SB 2039 on election campaign finance, which would prohibit certain business entities from engaging in campaign finance activities. The Attorney General’s office offered comments and did not take a formal position at the hearing. Several proponents testified in support, including Josh Frost, Tom Moore of the Center for American Progress, Hapa/Hawaii Alliance for Progressive Action, and Common Cause Hawaiʻi, all arguing the bill would curb corporate and dark-money influence and return elections to the people. Moore distinguished between regulating corporate “rights” and limiting corporate “powers,” and said the state can redefine the powers it grants corporations. In questions, Senator McKelvey asked whether the bill could be expanded to include unions; the Attorney General said he would need to get back with legal analysis, while Moore said his preferred approach would include all entities and that leaving out nonprofits or unions would create problems. Members also discussed whether the bill would affect PACs, and Moore explained that the proposal would prohibit corporate and dark-money flows into PACs while leaving individual political giving and existing political committees in place. The committee then moved on to the next measure. SB 2042, relating to insurance, was heard next. The bill would reduce the unimpaired minimum capital and surplus required of class 4 sponsored captive insurance companies under certain circumstances. The DCCA Insurance Division said it stood on its written testimony, and the Hawaii Captive Insurance Council testified in support, describing the change as a narrow, risk-based adjustment that would not affect the commissioner’s authority where actual risk resides and would help keep Hawaii competitive. The committee noted additional written support and proceeded without a vote or final action in the portion of the hearing provided.

Transcript Highlights:

• The rate is capped at 1.2%. For 2026, the rate was set at 1.13%.
• The program is experiencing deficits, and there will be material increases to the rate until it reaches
• It could be used to justify increasing the rate even further, because this program harms the majority
• But if you keep the program, changes should lower benefits instead of increasing the rate.
• But if you keep the program, changes should lower benefits instead of increasing the rate.

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

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance

Bills: SB 458, SB 819, SB 1238, SB 1642, SB 1643, SB 1644, SB 1791, SB 1810, SB 1824, SB 1825, SB 758, SB 1455, SB 1706

Keywords: renewable energy, solar power, wind energy, public interest determination, environmental impact, property rights, Texas Commission on Environmental Quality, insurance, discrimination, marital status, widowers, spousal death, equitable treatment, Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance