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.
• There was a benchmark rate, and then insurers could go above and below that by a certain percent.

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:

• Is it normal and customary for the Attorney General’s Office to be involved in insurance rate regulation
• regulate insurance rates?
• Can you tell me how this bill would lower insurance rates?” “Thank you for that question.
• Commissioner to be involved in insurance rates?
• approval, but then it not have a rate approval process from the insurance commissioner.

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?
• Can you tell me how this bill would lower insurance rates? Thank you for that question.
• involved in insurance rates?
• Coming in and politicizing the process of insurance rates at that point.
• approval, but then it not have a rate approval process from the insurance commissioner.

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

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

Transcript Highlights:

• An employer's final rate is its applicable base rate for its risk class, as modified by an experience
• If L&I limits the maximum premium rate increase for any class below that actuarially indicated rate,
• it must also publish the rate classifications limited by L&I and the respective proposed rate, what the
• And of course, buying down rates with reserves is sometimes prudent. Rate caps can be prudent.
• 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

Transcript Highlights:

• rate add-ons and rate cutbacks different rate add-ons and rate cutbacks which<00:07:01.599><c> again
• were</c> but um these rates these sud rates were but um these rates these sud rates were mostly<00:19
• rate?
• </c><00:40:11.040><c> and</c> mental health rates and sud rates um and mental health rates and sud rates
• about 30% of what commercial insurance pay<00:57:26.599><c> these</c><00:57:26.799><c> rates</c><00:

Bills: HF1005

Keywords: health insurance, medical assistance, behavioral health, reimbursement rates, primary care services, physician fee schedule, managed care, residential services, 1183, house

Transcript Highlights:

• The rate is capped at 1.2%. For 2026, the rate was set at 1.13%.
• The rate is capped at 1.2%. For 2026, the rate was set at 1.13%.
• The bill retains the total premium rate cap of 1.2%. ...limiting fluctuations in premium rates, and by
• the end of the rate collection year 2030 and each subsequent year, close the rate collection year with
• below the actuarially indicated rate for any risk class and when doing so results in a premium 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

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:

• House Bill 2955 updates and modernizes the Oklahoma captive insurance company act.
• 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

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:

• House Bill 1216, expenses for prescription drugs and relating to self-insurance health care plans.
• But insurance companies can place a rider on your policy that says, Insurance companies can place a rider
• continued: "Tell insurance companies they're not welcome.
• Section 4 applies to the Public Employees Retirement System, Uniform Group Insurance Program, or, for
• The rest of the bill impacts other health insurance at what date? Mr.

Bills: SB2271, HB1216

Keywords: adult residential facilities, care services, Medicaid, payment rates, elderly care, health services, North Dakota, prescription drugs, drug affordability, copay assistance, copayment accumulator, deductible accumulator, out-of-pocket maximum, health insurance, health benefit plan, self-insured health plan, self-funded plan, third-party payment, manufacturer assistance, patient assistance program

Summary: The Appropriations Committee met with a quorum and took up three bills. House Bill 1216, dealing with prescription drug expense co-pay accumulators in health plans, was presented by Rep. Karen Carl’s, who explained it would prevent insurers from refusing to count third-party assistance toward deductibles for patients using high-cost, non-generic drugs. An amendment was offered to clarify effective dates, including a delayed January 1, 2026 start for PERS coverage. PERS testified that the amendment would align with its calendar-year benefit structure and likely reduce the fiscal note. The amendment was adopted 16-0, and the bill was set aside for further discussion later. House Bill 1199, creating a criminal justice data-sharing system and missing persons/missing Indigenous people task force, was introduced with a committee amendment changing the Attorney General reference to the Attorney General or designee. The committee noted the bill includes a $250,000 general fund appropriation for ongoing costs. The amendment passed 16-0, and the amended bill received a do pass recommendation by a 15-1 vote, with one no vote from Senator Magrum. House Bill 1531, appropriating $75,000 for an irrigation expansion study by the Agriculture Commissioner, was supported as a way to update older economic-impact studies on irrigation and assess opportunities for expansion. Members discussed its relationship to broader study pauses and the history of irrigation development in the state, including Garrison Diversion and remaining authorized acres. The bill passed 16-0. The committee then discussed scheduling for the coming week, noting a heavy bill load and plans for daily morning meetings before adjourning.

Transcript Highlights:

• requires a company engaged in highway remediation to have at least $3 million worth of liability insurance
• It's basically to protect the public and those around them. ...insurance before entering the roadways
• It modernizes the Oklahoma Insurance Law on salvage title and allows the threshold for salvage titles

Bills: SB1684, SB1443, SB1447, SB378, SB1920

Keywords: SB1684, Oklahoma Highway Remediation and Cleanup Services Act, highway cleanup, roadway remediation, tow truck, wrecker service, liability insurance, DEQ, Department of Environmental Quality, motor vehicles, licensing, public safety, cleanup operators, roadside services, commercial towing, insurance requirement, license fee, revocation, suspension, Turnpike Authority

Summary: The committee considered several bills and moved each one forward without opposition. Senate Bill 1684, presented by Representative Bayshore, would require highway remediation companies to carry at least $3 million in liability insurance before entering roadways to protect the public; it passed 6-0 and was recommended to the next committee. Senate Bill 378, also presented by Bayshore, would modernize the multi-county bail bonds statute by adding flexibility in writing capacity and strengthening financial oversight and transparency; it passed 6-0 and was recommended for the floor. Senate Bill 1447, presented by Representative Marti, would change requirements for the RFP for the state employee prescription drug plan. Marti used the presentation to sharply criticize the State Chamber and outside messaging about the bill, arguing the legislation would not raise drug costs and that similar laws in other states have produced savings; the bill passed 6-0. Senate Bill 1920, presented by Representative Tedford, would raise the salvage title threshold for autos from 60% to 70% to align more closely with neighboring states and avoid prematurely totaling vehicles; it passed 6-0 and was sent to the next committee. After a brief suspension, the committee took up Senate Bill 1443, presented by Representative Sneed on behalf of Chairman Chad Caldwell, which concerns anesthesia services. No questions or debate were raised, and the bill passed 6-0. The meeting then adjourned.

Transcript Highlights:

• Senate Bill 1920 is a government modernization of the bill that modernizes the Oklahoma Insurance law

Bills: SB1684, SB1443, SB1447, SB378, SB1920

Keywords: SB1684, Oklahoma Highway Remediation and Cleanup Services Act, highway cleanup, roadway remediation, tow truck, wrecker service, liability insurance, DEQ, Department of Environmental Quality, motor vehicles, licensing, public safety, cleanup operators, roadside services, commercial towing, insurance requirement, license fee, revocation, suspension, Turnpike Authority

Transcript Highlights:

• I am licensed by the Texas Department of Insurance and other state departments of insurance as a public
• insurance adjuster.
• The Texas Department of Insurance, on their website, advises the insured to seek appraisal before filing
• Today's Texas Department of Insurance suggests the insured check their policy to see if it has that right
• I think if she... ...follows those same guidelines, it'll be good for the insured and the insurer.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

Transcript Highlights:

• We're seeing increased rates and reduced coverage from private insurance. ...insurers will exacerbate
• This bill helps Texans achieve lower insurance rates.
• to set title insurance rates is current and accurate.
• If title insurance rates, which are set by the Texas Department of Insurance, are only updated every
• We have a duly enacted rate order by the Commissioner of Insurance using the data.

Bills: HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458

Keywords: insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage

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
• rates.
• Most companies file their rates well in advance and have long discussions with the Commissioner of Insurance
• 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:

• There was an amendment to ban the use of credit scores in insurance rating.
• Number one, it would keep insurance rates low. We would have a strong and robust market.
• I'm not so sure that those things should be fundamental when it comes to rating risk in the insurance
• Insurance scoring, otherwise known as CBIS, is an extremely accurate and predictive rating factor.
• So I know Texas and New Mexico are two different states, but this is a very good way to rate insureds

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:

• Not all of them, but most insurers use your credit score in setting your rate for personal lines.
• This would get the insured more involved in this rate-making process to where they...
• And the insurance provider was going to adjust rates because of that?
• If a wife passes, the widowed husband's insurance rates typically do not change.
• Again, not all insurers do this—some very large insurers... up against those higher rates that some carriers

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