Transcript Highlights:

• But Congress is recommending the adoption of the National Association of Insurance Commissioners group
• Almost all other states have already adopted these changes to their insurance regulations.
• But this is the other thing. is from the insurance industry.
• If the insurance company chooses not to insure the institution, is that going to be a problem?
• What it does is just bring another group of people under the same umbrella on that.

Bills: HF2601, HF2607, HF2027, HF2608

Keywords: financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate

Transcript Highlights:

• </c> National Association of insurance National Association of insurance Commissioners<00:04:24.520><
• c> group</c><00:04:24.880><c> Capital</c><00:04:25.320><c> calculation</c> Commissioners group Capital
• </c> are on duty engaged in those activities are on duty engaged in those activities we<00:31:03.080>
• And if the insurance company chooses not to insure the institution, is that going to be a problem?
• And if the insurance company chooses not to insure the institution, is that going to be a problem?

Bills: HF2601, HF2607, HF2027, HF2608

Keywords: financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate

Transcript Highlights:

• your insurance saying we prefer simvastatin instead.
• your insurance saying we prefer simvastatin instead.
• your insurance saying we prefer simvastatin instead.
• your insurance saying we prefer simvastatin instead.
• your insurance saying we prefer simvastatin instead.

Bills: HB0143, HB0129

Keywords: health care providers, free speech, discrimination, governmental agencies, civil remedies, physician access, internationally trained physicians, medical licensing, provisional license, healthcare workforce, 916, all

Transcript Highlights:

• So they would have to be able to be insurable.
• And I think the able to be insurable.
• Malpractice insurance.
• care, uh, you know, active reads, things like that.
• care, uh, you know, active reads, things like that.

Bills: HB0143, HB0129

Keywords: health care providers, free speech, discrimination, governmental agencies, civil remedies, physician access, internationally trained physicians, medical licensing, provisional license, healthcare workforce, 916, all

Transcript Highlights:

• </c> insurance to their employees. insurance to their employees.
• market, and then the fully insured large group market. terms of what terms of what Repres I'll<00:14
• large group market. fully insured large group market.
• He added that they are citing the increase in the cost of fully insured individual and small group coverage
• He said the increase in the cost of fully insured individual and small group coverage is part of that

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:

• And small employer group market, the PERS plan is a large employer group market.
• Large employer, there are ACA requirements for large employer groups.
• catastrophe insurance protection.
• But that's, you go to a self-insured plan with high catastrophe insurance protection.
• That's the amount that's being paid in a biennium towards the insurance.

Bills: SB2160

Keywords: health insurance, public employees, uniform group insurance, retirement, state employees, 908, all

Summary: The committee resumed work on Senate Bill 2160, which would move the Public Employees Retirement System health plan from grandfathered to non-grandfathered status under the Affordable Care Act. PERS officials Rebecca Frickie and Derek Holbein explained that the bill would allow more flexibility in plan design, including higher deductibles, co-pays, and out-of-pocket maximums, while also adding enhanced preventive benefits. They clarified that ACA “essential health benefits” apply to individual and small-group markets, not to PERS as a large employer, and that the bill’s projected cost increases were based on actuarial estimates and prior bid scenarios from Sanford and Blue Cross Blue Shield. Members debated whether the bill would actually save money or simply shift costs to employees. Supporters argued that non-grandfathered status would create more levers to manage medical inflation and could produce net premium savings through plan redesign, citing prior bid comparisons showing potential reductions of 1% to 8% depending on the option. Opponents, including Representative Schauer and North Dakota United president Nick Archelette, questioned how the state would pay for the estimated $25 million to $30 million in added benefits and warned that employees could face higher out-of-pocket costs amid already strained household budgets. Frickie said the legislature would control funding decisions and that current law requiring the state to pay full family premiums could be changed only by statute. The committee also discussed reserve funding, with members noting that a $4.3 million reserve draw in the bill was intended to cover the final months of the biennium and could be modified. After testimony and discussion, Vice Chair Johnson moved a do-pass recommendation and referral to Appropriations. The motion passed 10-3-1, with Representatives Ostlie, Schatz, and Schauer voting no. Representative Gump agreed to carry the bill.

Transcript Highlights:

• First up is the DCCA Insurance Division with comments.
• First up is the DCCA Insurance Division First up is the DCCA Insurance Division with<00:16:27.160><c>
• :29.280><c> on</c><00:16:29.360><c> its</c> Insurance Division will stand on its Insurance Division will
• The third is convening a working group.
• </c> if we're included in the working group if we're included in the working group &gt;&gt; [laughter

Bills: SCR118, SCR173

Keywords: climate change, insurance affordability, working group, disaster recovery, fossil fuel companies, insurance stability, Hawaii Hurricane Relief Fund, ticket scalping, task force, consumer protection, event accessibility, local economy, 910, house, all

Summary: The Committee on Consumer Protection heard two resolutions. SCR 118 SD1 would urge the Insurance Division and the Attorney General to convene a working group on climate change impacts on insurance availability and affordability. The Insurance Division deferred to written testimony, while the Attorney General opposed the measure because of an ongoing lawsuit, asking that references to legal recovery and the AG’s role in convening the group be removed. Members questioned how the resolution might relate to the state’s climate damages litigation and whether it could inform damages calculations. The committee later recommended passage with amendments, including removing the Attorney General as co-convener and changing certain membership references to board chairs; the motion passed unanimously with one excused member. The committee also heard SCR 173 SD1, which would create a task force on event ticket scalping. The Office of Consumer Protection supported the concept but asked to be added as a task force member and said the draft left its role unclear. Supporters, including the National Independent Venue Association and D-BAT, described high resale prices, fraudulent or speculative tickets, and harm to consumers and local businesses. StubHub and the Ticket Policy Forum supported the task force but urged broader scope to include the primary ticket market and ticket sellers, and StubHub also sought inclusion on the task force. Members discussed whether the task force should focus on the secondary market or the broader ticketing ecosystem, and whether the Office of Consumer Protection should be part of the task force or only consulted. The vice chair recommended passage with amendments adding the Office of Consumer Protection as a member and clarifying the consultation language, and the committee adopted that recommendation unanimously with one excused member.

Transcript Highlights:

• Now, basically, if a school district leaves TRS active care, they have to wait. wait five years before
• Three, 128 districts left TRS Active Care because they thought they would be able to find better health
• One, the bill allows districts that left TRS active care... those years a one-time chance to rejoin the
• Districts leaving TRS active care when their costs are low and getting back into TRS active care when
• This bill came to me from a meeting I hosted in the fall. with a group of public educators and school

Bills: HB 1178, HB1411, HB1441, HB1773, HB1813, HB2107, HB2598, HB2911, HB2967, HB3672, HB5263, HB3797

Keywords: education, temporary certification, out-of-state educators, teacher shortage, military spouses, personal leave, school holidays, employee compensation, overtime provisions, school safety, peace officers, mental health, de-escalation techniques, trauma-informed care, student trustee, school board, student representation, education policy, nonvoting position, school governance

Transcript Highlights:

• When students cannot see clearly, they cannot read effectively, participate in full classroom activities

Bills: HB 1178, HB1411, HB1441, HB1773, HB1813, HB2107, HB2598, HB2911, HB2967, HB3672, HB5263, HB3797

Keywords: education, temporary certification, out-of-state educators, teacher shortage, military spouses, personal leave, school holidays, employee compensation, overtime provisions, school safety, peace officers, mental health, de-escalation techniques, trauma-informed care, student trustee, school board, student representation, education policy, nonvoting position, school governance

Transcript Highlights:

• Section 544.002 of the Insurance Code is intended to protect individuals from having insurance companies
• at two types of auto insurance and two types of homeowners insurance to see whether or not Credit scores
• Credit-based insurance scores have been used in insurance for a few decades.
• American National Insurance. Okay.
• To sell their drugs, manufacturers pay placement fees for coverage by PBMs, insurer plans, group purchasing

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
• assign to single insureds.
• House Bill 712 would require all group, blanket, and individual health insurance policies to comply with
• The chair lays out as pending business HB1576 by Oliverson, relating to group property and casualty 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:

• 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 companies also, by potentially denying coverage for mental health that relates to a group of
• 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:

• Texas law allows group insurance of commercial lines for large business risk.
• Street, we could all get together, get a group policy, and get property casualty insurance that's going
• The primary benefit of a group policy is the standardization of the insurance offering.
• By creating a group option, this legislation allows insureds to benefit from economies of scale with
• Yes, Representative, and we have in fact seen that when group insurance is offered as an option and alternative

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:

• of the fully insured market: individual, small group, and large group.
• </c><00:59:01.400><c> do</c><00:59:01.480><c> we</c> insurance and then of that group do we insurance
• , and as we talk about individual market, small group market, large group market, fully insured market
• Are all of the insurers who currently participate in the individual, small, and large group market those
• large group market fully insured<01:03:27.839><c> Market</c><01:03:28.559><c> um</c><01:03:28.680><c

Bills: HF747, HF1014, HF320, HF400

Keywords: corporate governance, shareholder rights, beneficial ownership, defective corporate acts, Minnesota Business Corporation Act, Minnesota Insurance Guaranty Association, MIGA, insurance guaranty fund, insurer insolvency, covered claim, net worth threshold, high-net-worth insured, financial information request, insurance claims, self-insured retention, deductible, commercial insurance, insurance regulation, Minnesota Statutes 60C.09, guaranty association

Bills: AB404, AB428

Keywords: brew pub, alcoholic beverages, liquor store, licensure, regulation, Department of Taxation, fertility preservation, breast cancer, ovarian cancer, oncology, reproductive medicine, infertility, cancer treatment, egg freezing, embryo freezing, oocyte cryopreservation, sperm banking, assisted reproductive technology, health insurance mandate, Medicaid

Transcript Highlights:

• </c> insurance affordable for folks. insurance affordable for folks.
• </c> contribute to making health insurance contribute to making health insurance more<00:34:20.000><c
• are paid by those who buy the insurance are paid by those who buy the insurance<00:35:55.920><c> in<
• </c> insurance in their premiums. insurance in their premiums.
• </c> an additional report from the insurance an additional report from the insurance companies?

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

Transcript Highlights:

• A malpractice insurance? Oh, yeah.
• or some sporting activities, just increase their general activity level.
• Heap, are these prosthetic devices not already covered by insurance? The device? ...by insurance?
• I love being active, but being active with a prosthetic isn't simple.
• Fluctuating federal recommendations allowed insured, insured, survivable.

Bills: HB2176, HB2333, HB2435, HB2447, HB2617, HB2683, HB2686, HB2725, HB2726, HB2906, HB2953, HB2958

Keywords: health care, licensure, complaints, investigation, safety, patient care, regulatory compliance, prosthetics, orthotics, health insurance, Medicare, medical necessity, disability rights, coverage, reimbursement, internationally trained physicians, medical board, clinical training, provisional license, healthcare workforce

Transcript Highlights:

• writing to each insured or enrollee, and to any physician... ...or healthcare provider that the insurer
• What I call smaller insurance. I was giving Lucy a hard time.
• How much was the insurance portion of that? The insurance? What would they pay me?
• Senate Bill 1307 instructs the Texas Department of Insurance (TDI) to create a health insurance reference
• They complicate health insurance credentialing, and on and on.

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

Transcript Highlights:

• What I would say is, as insurance is generally a pass-through, meaning that the insurers are generally
• By the insurance representatives that I spoke with today.
• House Bill 4488 says that when a body shop and the insurance adjuster or the insurance company don't
• Attorneys that do a lot of insurance litigation.
• 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:

• Oklahoma Captive Insurance Company Act.
• Insurance Association to improve the state's captive insurance framework.
• That are active and actively attract captive insurance companies at this time.
• because the insurance companies won't be on board?
• That financial relationship should belong between the patient, the insured, and the insurance company

Bills: HB3794, HB3796, HB3928, HB2955, HB4453, HB4460

Keywords: licensure, criminal history, public safety, occupational certification, rehabilitation, state regulations, insurance, regulations, certification, long-term care, mergers, consumer protection, property safety, vision insurance, optometry, reimbursement, healthcare policy, ophthalmic materials, provider agreements, captive insurance