Video & Transcript Research : 'premium structure'
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MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/5/26
Commerce Finance and Policy
Transcript Highlights:
- but each new mandate increases premiums but each new mandate increases premiums for<00:03:13.920
- shifted directly onto premium payers. shifted directly onto premium payers.
- their rates and lower premiums. their rates and lower premiums.
- Is it upfront with the premiums?
- Is it upfront with the premiums?
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
Summary:
The committee approved the minutes from the prior day and then heard House File 400, a bill described as a defrayal measure for health insurance mandates. Representative Perryman said the bill would not block future mandates, but would require the state to pay the added costs of any new mandated benefits so those costs would not be shifted to premium payers. She and supporters framed the bill as a way to protect affordability for Minnesota employers, workers, and families, especially in the fully insured market.
Testimony in support came from the Minnesota Chamber of Commerce and the Minnesota Council of Health Plans. They argued that Minnesota has a high number of mandated benefits, that each new mandate adds cost to premiums, and that businesses—especially small and midsize employers—are already struggling with rising health insurance costs. The health plans representative said the bill would use the existing Commerce defrayal process to reimburse plans for eligible mandate-related claims, allowing those costs to be removed from premium rates. Several members echoed support, saying the bill would improve transparency by showing the fiscal impact of proposed mandates and help prevent people from being priced out of coverage.
Members also explored how mandates apply in the market and how premiums are set. Deputy Commissioner Julia Dryer explained that, unless otherwise specified, mandates generally apply to the individual, small group, and fully insured large group markets, while self-insured ERISA plans and other markets are generally outside that scope. Representative Elkins noted that the affected market is relatively small and said small businesses are increasingly moving to self-insured plans because of cost. He and others raised concerns about affordability, while Representative Smith argued that mandates often ensure needed care and that the bill shifts costs to taxpayers rather than insurers. Representative Bacham added a personal example from tribal self-insurance, saying preventive physicals had saved lives and asking whether other factors besides mandates are driving insurer costs. No amendments were offered, and the bill was laid over for possible future consideration.
MS
Mississippi 2026 Regular Session
Government Structure - Room 210, 3 February, 2026; 11:00 A.M.
Government Structure
Transcript Highlights:
- I've brought this forward and set up two, um, set up the study committee, adding in our Government Structure
Summary:
The committee took up several bills and committee substitutes, most of them described as cleanup or implementation measures tied to federal requirements. On SB 2623, Senator Sparks explained that the bill would create an apprenticeship advisory council needed to access federal Department of Labor apprenticeship funds; the committee adopted a reverse repealer and then passed the committee substitute. On the aging-related bill 2746, staff said it would update Mississippi statutes to reflect that the state is already the state unit on aging, clean up outdated language, and emphasize accountability for area agencies on aging; the committee passed it title sufficient do pass.
The committee also considered 2622, described as moving the state toward a one-door website for constituent access to state services and building on prior work to centralize data and services online. Senator Williams supported the direction as a way to improve virtual access to state government, and the bill was reported out on a do pass motion. The final item, 2673, was presented as a committee substitute creating a study committee to examine government structure and efficiency over the next year, with several planned meetings and participation from House committees and agencies; the committee substitute was adopted and the bill was reported out. The chair then indicated the remaining agenda items would not be taken up unless circumstances changed, and the committee rose and reported.
MS
Mississippi 2026 Regular Session
Government Structure - Room 216, 29 January, 2026; 4:30 PM
Government Structure
Transcript Highlights:
- <00:02:05.520>
government a business or from a government a business or from a government structure - <00:02:08.080>
What <00:02:08.319>we're structure perspective. - What we're structure perspective.
- Just the organization structure changes somewhat. That's what I understand. Yes. Okay.
- structure changes somewhat. structure changes somewhat.
Summary:
The committee first took up Senate Bills 2625 and 2636, both described as part of a broader effort to strengthen state cybersecurity. SB 2625 would create a state chief information officer at the governor’s office level to coordinate IT and cybersecurity policy across agencies. Members and the sponsor said it was a conceptual work in progress, and the committee added a reverse repealer before reporting the bill out as a committee substitute with a do pass recommendation.
SB 2636 would create a Department of Cyber Security focused on law enforcement and post-attack response, including investigators and coordination with DPS, the auditor’s office, local jurisdictions, and federal partners. Supporters said the goal was to improve collaboration, protect taxpayer information, and separate network protection and recovery from criminal investigation. Some members questioned whether the new department would overlap with existing IT and law enforcement functions, but sponsors said it was intended to clarify responsibilities rather than duplicate them. The committee added a reverse repealer and reported the bill out as a committee substitute with a do pass recommendation.
The committee also considered SB 2632, which would delay action on state disaster recovery funding while awaiting federal changes from FEMA/MEMA. The sponsor said the bill would give the state time to evaluate new federal disaster recovery rules and determine the best approach for Mississippi. The committee added a reverse repealer and reported the bill out as a committee substitute with a do pass recommendation.
Finally, the committee heard SB 2817, a Department of Public Safety reorganization bill. It would move the Bureau of Investigation, narcotics, homeland security, and the forensic lab under the State Bureau of Investigation to streamline command and allow more flexible staffing. It would also preserve a telecommunications fee, raise autopsy and salvage inspection fees, and continue discussion of DPS police powers. After questions about the autopsy fee and whether the reorganization would save money, the committee adopted a do pass motion. The chair also noted that SB 2673 would be studied further over the next year before any final action.
MS
Mississippi 2026 Regular Session
Government Structure - Room 210; 21 January, 2026: 10:30 AM
Government Structure
Transcript Highlights:
- think that's what should be happening and you will continue to see that discussed in government structure
- 02.720>
discussed <00:21:03.039>in <00:21:03.280>government <00:21:03.600>structure - that discussed in government structure that discussed in government structure as<00:21:04.080>
Summary:
The committee first took up an Irish trade commission bill, described as a recurring measure that had previously stalled in the other chamber. Members said prior concerns had been reconciled, no questions were raised, and the committee moved it out by voice vote. The next major item was Senator Boyd’s “People’s Access Act” (SB 2259), which would require public bodies to livestream meetings and provide a central listing of those streams. Boyd said the bill was intended to improve public access, especially for people who cannot attend in person, and noted it had passed the Senate before.
Members asked whether the bill would cover subcommittees and subboards; Boyd said those meetings were not contemplated in the bill. Senator Blunt supported the transparency goal but raised concerns about small municipalities lacking staff or equipment to comply, and suggested the notice links be housed on a Department of Finance and Administration page rather than with the Secretary of State. The committee adopted that amendment. After further discussion, members added population-based implementation dates for municipalities and discussed a possible due-diligence exception for technology failures, with several senators emphasizing the need to balance transparency with practical limits for small towns. The bill was then reported out as amended.
The committee then began Senator Boyd’s task force bill (SB 2260), which would direct several health and human services agencies—including Medicaid, Human Services, Child Protective Services, Health, and Mental Health—to recommend ways to reduce duplication and improve coordination in licensing and certification processes. Boyd said the bill grew out of testimony about inefficiencies in child care and mental health regulation and was intended to create a more streamlined process. Discussion began, and Senator Sparks suggested considering whether the Department of Rehabilitation Services should also be included, but no action on the bill was taken in the portion provided.
MS
Mississippi 2026 Regular Session
Government Structure - Room 409, 12 January, 2026; 2:00 P.M.
Government Structure
Transcript Highlights:
- This is the first meeting of the newly changed Government Structure Committee.
- is that we're a steward of structure is that we're a steward of taxpayer<00:19:55.440>
dollars - When we did the data on it, it was a $140 million increase in insurance premium if we enforce the law
- in insurance premium and that does<00:30:33.919>
not <00:30:34.159>include <00:30:34.559- We pay up to $360 a year paying their premium. It's about $3.6 million.
Summary:
The committee held its first meeting under its new Government Structure Committee name and began by electing Senator Chris Johnson as secretary. The chair explained the committee’s purpose as improving efficiency, effectiveness, and stewardship of taxpayer dollars, and said members had asked statewide officials and agencies for ideas on streamlining government and reducing costs.
Commissioner of Agriculture and Commerce Andy Gibson testified at length about ways his agency has found efficiencies, especially after the COVID-era consolidation of three agencies into one. He said state procurement and construction rules can add major time and cost to projects, citing a proposed $300,000 building that grew to about $1 million through the state process. He recommended raising repair and quote thresholds, streamlining construction procedures, reconsidering restrictions on payments between state agencies, and allowing more flexibility for agencies to help one another when authorized.
Members questioned Gibson about the repair caps, the construction cost increase, Ticketmaster and other technology/vendor arrangements, and whether agencies should have more decentralized control over contracts. The chair and several senators agreed the committee should examine red tape, vendor relationships, and procurement rules, and Gibson said he would provide more information and work with the committee. No formal legislation was acted on in the portion provided.
The transcript then shifted to testimony from the Insurance Commissioner, who said his department is heavily affected by IT and board structure issues and oversees 17 boards. He urged consolidation of some boards, criticized the effects of SB 2362 on special-fund agencies, and said the State Fire Academy and other operations have been constrained by general-fund treatment and limited authority. He also discussed insurance-rate pressures, including projected premium increases, wind pool rate concerns on the Gulf Coast, and the need for mitigation to stabilize costs.
MS
Mississippi 2025 Regular Session
Government Structure - Room 210; 3 March, 2025: 5:00 PM
MS
Mississippi 2025 Regular Session
Government Structure - Room 409, 3 February, 2025; 4:30 P.M.
MS
Mississippi 2025 Regular Session
Government Structure - Room 210; 29 January, 2025: 2:30 PM
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/4/25
Commerce Finance and Policy
Transcript Highlights:
- proposing a premium subsidy or a premium proposing a premium subsidy or a premium write<00:13:47.800
- <00:19:16.919>
by the highest at reducing premiums by the highest at reducing premiums by - doesn't act and Congress does premiums doesn't act and Congress does premiums would<00:25:26.279
- further increases in the premiums further increases in the premiums uh<00:26:59.840>
repeat having insurance and paying premiums having insurance and paying premiums that<00:31:22.799>
Bills:
HF837
MN
Minnesota 2025-2026 Regular Session
Commerce Committee Meeting - 2026-03-26
Commerce Finance and Policy
Transcript Highlights:
- >
market <00:15:36.520>would Premiums in the individual market would Premiums in the individual - <00:21:21.200>
Chair as premium goes? Mr. Cotter. Mr. Chair as premium goes? Mr. Cotter. - onto premium payers. onto premium payers.
- insurance in their premiums. insurance in their premiums.
- advertisements at a higher premium. advertisements at a higher premium.
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
AL
Alabama 2026 1st Special Session
Alabama House Ports, Waterways and Intermodal Transit Committee Jan 28th, 2026
Ports, Waterways & Intermodal Transit
LA
Keywords:
housing assistance, state-owned property, cost-burdened, state employees, affordable housing, fiscal audit, higher education, public funds, underrepresented minorities, Board of Regents, Louisiana legislation, constitutional convention, Louisiana constitution, electoral process, government structure, delegate elections, airport authority, fire protection, supplemental pay, public safety
OK
Oklahoma 2026 Regular Session
Commerce and Economic Development Oversight REVISION 2: HB3127 - Added Mar 5th, 2026 at 10:30 am
Commerce & Economic Development Oversight
Keywords:
captive insurance, protected cell, sponsored captive, captive insurer, insurance commissioner, premium tax, dormant captive, risk retention group, pure captive, association captive, industrial insured captive, series captive, branch captive, special purpose captive, reciprocal insurer, capital and surplus, letter of credit, change in control, merger, conversion
OK
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.
- rate regulation is not really moving the needle, but other states also have had increases in their premiums
- Thank you for that question. ...have had increases in their premiums as well.
- Look at the price of coverage premiums and the deductibles and the cost of health care in general, it's
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
LA
Louisiana 2026 Regular Session
Senate and Governmental Affairs May 27th, 2026
Senate & Governmental Affairs
Transcript Highlights:
- I guess this would be a meeting you'd get premium for under Rep.
Keywords:
sales tax, exemptions, credits, rebates, uniformity, legislative rules, fiscal report, constitutional convention, Louisiana constitution, electoral process, government structure, delegate elections, delegates, state election, ratification, Louisiana, public meetings, broadcast, transparency, government accountability
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/25/25
Commerce Finance and Policy
Transcript Highlights:
- Hold on a second, I've got it made myself a little zero premiums here.
- Yes, everybody in Medicare pays a $185 premium this year.
- Yes, everybody in Medicare pays a $185 premium this year.
- better you can get than a zero premium better you can get than a zero premium and<00:16:11.360><
- <00:24:28.880>
for the Medicare supplement premiums for the Medicare supplement premiums for
Keywords:
Medicare, health insurance, supplement policies, preexisting conditions, medical assistance, premium classification, real estate, appraisers, disciplinary actions, sanction matrix, Minnesota Statutes, continuing education, out-of-state, licensing, commerce, fraud prevention, automobile theft, law enforcement, insurance crimes, 1183
LA
Transcript Highlights:
- Senate Bill 485 by Senator Edmonds provides for the levy of premium tax in the city of St. George.
- This transfers authority over insurance premium tax within the city of St.
- So it clarifies that insurers may only be subject to one local insurance premium tax for the same risk
- It defines insurance premium tax as a municipal license tax imposed on insurers, which is all consistent
- premium taxes, and administer those taxes.
Keywords:
motor vehicles, enforcement, administrative support, law enforcement, private service provider, regulatory compliance, expropriation, public purpose, property rights, compensation, city governance, St. George, insurance premium tax, city of St. George, municipal authority, local taxation, East Baton Rouge Parish, 965, house, all
KY
Kentucky 2026 Regular Session
House Standing Committee on Families and Children (2-9-23)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=UHiryz7EB_s, 2026-06-21T07:17:02+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start: 00:00
Roll Call: 01:07
Committee Overview: 01:59
Overview of the Organization and Structure of CHFS: 03:14
Items Received for Review: 57:01, 958, all, 2.2.42, 2.1.47
HI
Transcript Highlights:
- have been involved in free diving education since 2007 and over the past 5 years have provided structured
- :11:51.680>
me, <00:11:52.000>have <00:11:52.240>provided <00:11:52.720>structured - <00:11:53.200>
free excuse me, have provided structured free excuse me, have provided structured
Keywords:
Medicaid, disability, buy-in program, workers with disabilities, income eligibility, premium structure, biomarker testing, health insurance, medical coverage, state law, health maintenance organization, juvenile justice, youth penalties, minors, court fees, court costs, fines, surcharges, restitution, fee waiver
Summary:
The House Committee on Health heard testimony on a series of bills related to public health, pharmacy regulation, disability access, and health care infrastructure. HB 1535, creating an income tax credit for automated external defibrillator installations, drew support from the Department of Health, tax department comments, and public testimony emphasizing AED access in community and transit settings. HB 1765, requiring safety warnings for spear fishing gear, received comments from DLNR and strong support from a free-diving safety advocate who described blackout risks and argued for point-of-sale warnings. HB 1549, which would repeal the law prohibiting drug paraphernalia, drew mixed testimony: the Department of Health, the Public Defender, and harm-reduction advocates supported repeal as a public health measure, while HPD and a county prosecutor opposed it, warning it could encourage drug use and create public safety issues.
The committee also heard HB 1550, which would exclude drug testing products from the definition of drug paraphernalia. The Department of Health and harm-reduction advocates supported the bill, saying drug checking tools save lives and help prevent overdoses, while one written opponent was noted. HB 1995, allowing people who are blind or deaf to receive disabled parking permits, drew opposition from the State Council on Developmental Disabilities, the Disability and Communication Access Board, and other opponents, while a few written supporters were also noted. HB 1671, allowing licensed dental hygienists to place interim therapeutic restorations in public health settings, received support from the Department of Health and several oral health organizations, with the Board of Dentistry offering comments.
HB 1643, establishing a framework for pharmacy audits and record retrieval, prompted the most extended discussion. The Board of Pharmacy and independent pharmacy representatives supported the bill as a needed framework to limit burdensome audits and protect patient care, while HMSA raised concerns about possible conflicts with upcoming federal PBM reforms and potential unintended consequences. Committee members questioned both sides about timing and workload, and supporters argued the bill was needed now to protect rural and independent pharmacies. Finally, HB 1978, appropriating funds for a new outpatient care center in North Kona, received strong support from Hawaii Health Systems Corporation, Queen’s Health Systems, the Kona-Kohala Chamber, and others, who described it as a long-term investment in West Hawaii’s health care capacity and economy. No votes or final actions were taken in the portion of the hearing provided.
AZ
Arizona 2026 Regular Session
02/16/2026 - House Land, Agriculture & Rural Affairs
Land, Agriculture & Rural Affairs
Transcript Highlights:
- Rising insurance premiums are not Arizona-specific, but are due to inflation and increased incidence
- Insurance premium tax revenues have seen substantial growth in recent years; from FY24 to FY25, they
- It takes money from the insurance premium tax collection.
- So on each insurance premium written in the state, there is a small percentage that goes to a tax.
- So on each insurance premium written in the state, there is a small percentage that goes to a tax.
Keywords:
air pollution, wildfires, environmental standards, public health, Arizona Revised Statutes, wildfire, wildfire mitigation, wildfire prevention, forest fire, brush removal, defensible space, community hardening, vegetation management, fire-resistant construction, wildland urban interface, WUI, insurance premium tax, property insurance, homeowners insurance, commercial property insurance
Summary:
The committee heard three measures. HB 2013 would require the Arizona Department of Environmental Quality to submit an exceptional event demonstration to the EPA when wildfires on federally managed land affect Arizona air quality. Sponsor Rep. Lisa Fink said the bill is intended to prevent Arizona from being penalized for wildfire-driven air quality problems and could help reduce regulatory burdens. Sierra Club opposed the bill, arguing the existing exceptional-event process already requires case-by-case analysis, that automatic filings could be unnecessary or ineffective, and that the bill lacked an appropriation. ADEQ testified neutral. The committee approved HB 2013 on a 5-1 vote.
HB 2292 would create the Wildfire Prevention Authority and Fund under the Arizona Department of Forestry and Fire Management; a committee amendment renamed it the Wildfire Mitigation and Risk Reduction Authority and Fund, capped administrative expenses at 8%, and prioritized funding for single-family and multi-family dwellings. Supporters, including Coconino County Vice Chair Geronimo Vasquez and the County Supervisors Association, said the bill would provide a coordinated, data-driven wildfire mitigation program funded by a $20 million annual diversion from insurance premium tax revenues, helping reduce wildfire damage and stabilize insurance costs. Members discussed the funding source as an existing tax diversion rather than a new tax. The committee adopted the amendment and then passed HB 2292 as amended on an 8-0 vote.
HCM 2011 urges Congress to pass federal legislation to delist the Mexican wolf, defund the reintroduction program, and transfer management to local authorities. The sponsor said the memorial responds to ranching impacts from wolf predation and supports federal action already moving in Congress. Sierra Club opposed the memorial, saying the species remains insufficiently recovered and that delisting would be premature. After debate, including comments both supporting and opposing delisting, the committee approved HCM 2011 on a 5-2 vote and then adjourned.