Video & Transcript Research : 'risk of loss'

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TX

Texas 89th Regular

Insurance Apr 2nd, 2025

Insurance

Transcript Highlights:
  • We're riding 50-plus percent of the risks in Tier 1.
  • Complications and unsatisfactory results. are at risk of all medical interventions.
  • I would be at a significantly higher risk of suicide, and it would be her fault. In part two.
  • The language of HB 778 places undue risk of liability on those companies offering transgender-affirming
  • was because of that potential risk.
TX

Texas 89th Regular

Insurance Apr 2nd, 2025

Insurance

Transcript Highlights:
  • But you get a sense of how much it costs. ...that cost and what it does in terms of paying losses for
  • Part of it is due to the concentration of... of risk and the risk of storms.
  • The losses may be higher in the event of a storm.
  • of risks.
  • So they'll have the rate being a percentage of the risk value.
MN

Minnesota 2025-2026 Regular Session

House Commerce Finance and Policy Committee 3/26/25

Commerce Finance and Policy

Transcript Highlights:
  • It also benefits dentists by reducing the risks of non-payment with medical debt.
  • If you could identify yourself for the record and begin. reducing the risks of reducing the risks of
  • /c><00:28:12.080> about<00:28:12.360> whether of con of of confusion about whether of con
  • of network was higher because my out of of network was higher because my out of pocket<00:29:11.640
  • billion uh of sales is not even many of billion uh of sales is not even many of our<01:20:05.920
MN

Minnesota 2025-2026 Regular Session

House Health Finance and Policy Committee 3/17/25

Health Finance and Policy

Transcript Highlights:
  • They're able to spread that risk over that pool of people and be able to predict pretty closely what
  • spread that risk over that pool of spread that risk over that pool of people<00:52:02.400> and
  • premiums, as well as loss of federal money to MinnesotaCare and who knows what else as this goes on.
  • premiums, as well as loss of federal money to MinnesotaCare and who knows what else as this goes on.
  • premiums, as well as loss of federal money to MinnesotaCare and who knows what else as this goes on.
Bills: HF837, HF1903, HF499, HF794
HI

Hawaii 2026 Regular Session

WAM-CPN, WAM Public Hearings 04-07-2026

Ways and Means

Transcript Highlights:
  • Of the members present, any voting with reservations or objections?
  • Of the CPN members votes aye. Thank you.
  • Of the members present, aye. Thank you.
  • Remove the repeal of the ceiling and insert an expenditure ceiling of $1 million for the automated victim
  • Recommendation is adopted. ceiling of $1 million for automated vic- ceiling of $1 million for automated
Summary: The joint Ways and Means and Consumer Protection meeting was a decision-making session on a series of House bills, with no oral testimony taken. The committees first acted on HB 2583, recommending passage on amended, and HB 1591, recommending passage with amendments related to health care. They also recommended passage on amended for HB 1749 on cesspools and HB 2423 on biodiesel, with each recommendation adopted by the members present. The committees then considered a second agenda block that included HB 2080, HB 1520, HB 1576, HB 1711, HB 1785, HB 1802, HB 1838, HB 1842, HB 1853, HB 1976, HB 2104, HB 2218, HB 2246, HB 2270, HB 2289, HB 2361, HB 2551, and HB 2606. Most were recommended for passage unamended and adopted without objection. HB 1520 was deferred because the Senate bill had already crossed over. HB 1711 was amended to replace the option period established by the corporation with a period of up to 10 years. HB 2289 was amended to remove repeal of a ceiling and set a $1 million expenditure ceiling for the automated victim information and notification system special fund. Several members noted reservations on HB 1842, which involved transfer of the Westridge parcel near a rail station; concerns were raised about the property’s value, the long-term lease status, and whether the city would actually accept or pursue the transfer. HB 1853 was passed unamended, with the committee noting the Lions Association had suggestions that could be addressed later in conference. HB 2218 was passed unamended while adopting DLNR testimony to clarify collaboration with community groups in stewarding public lands and recreational areas. In each case, the stated recommendations were adopted, often with members voting no with reservation rather than in opposition.
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

Transcript Highlights:
  • And for all of the members of this committee that continue to work on this.
  • The purpose of this PCS and this bill was to ensure that there were also voices of electeds involved
  • I believe there was a bit of a branding issue and frankly a bit of a communication issue.
  • But we are here concluding our work of chamber of origin, the House of Representatives.
  • That you've led with dignity and respect, and your service to the people of the state of Oklahoma and
HI

Hawaii 2026 Regular Session

HSH Public Hearing - Thu Feb 5, 2026 @ 9:30 AM HST

Human Services & Homelessness

Transcript Highlights:
  • So one of the good things for us to think about leveraging is one of the life change events is loss of
  • So we may be events is loss of Medicaid.
  • Um, GLP-1s are one type of weight loss medications.
  • There are various types of weight loss medications.
  • Um, GLP-1s are one type of weight loss medications.
Bills: HB2488, HB2456
Summary: The committee heard testimony on HP 1972, which would create a nonrefundable family caregiver tax credit, and on a related tax measure to increase the existing dependent care tax credit. Supporters of HP 1972, including AARP, the Executive Office on Aging, the Hawaii Public Health Institute, Hawaii Children’s Action Network, and others, said unpaid caregivers are essential to keeping kūpuna and other loved ones at home and described significant out-of-pocket costs. The Department of Taxation and the Tax Foundation raised technical concerns, including the need to avoid overlap with existing credits and to prevent double-dipping. The department said taxpayers can claim credits to the extent allowed, but recommended explicit language barring the same costs from being claimed under more than one credit. No vote was taken in the excerpt, and the chair moved the bill along after questions. The committee then heard HP 1975, which would repeal the sunset on the state rent supplement program for kūpuna. AARP, Catholic Charities Hawaii, the Executive Office on Aging, and others supported making the program permanent, saying it helps low-income older adults avoid eviction and homelessness and allows them to remain in affordable housing. Catholic Charities described clients who were paying unsustainable shares of income for rent before receiving the supplement. Members also shared a constituent example of an elderly retiree who needed the subsidy to stay housed. Written support was noted from additional organizations and individuals. Next, the committee took up HB 1706, which would expand Medicaid prospective payment reimbursement to include mental health services furnished in federally qualified health centers and rural health clinics by mental health professionals under supervision. The Office of Hawaiian Affairs supported the bill, and DHS said it appreciated the intent to address workforce shortages and expand training, but cautioned that unlicensed professionals cannot currently bill Medicaid and that a state plan amendment would be needed, with limited precedent for approval. Members asked about the likelihood and timing of federal approval and whether the bill could help rural areas; DHS said approval is uncertain and the process can take time, though it saw possible alignment with the state’s rural health transformation efforts. The committee also discussed HB 546, a three-year health coverage continuity pilot program for people losing Medicaid coverage. DHS, the Attorney General’s office, DCCA, Catholic Charities, the University of Hawaii, and others testified, with DHS warning that federal changes could increase uninsured rates and that the state may need to act quickly. Catholic Charities and others emphasized the risk to Medicaid recipients, including homeless and near-elderly residents, while DHS explained the state’s existing premium assistance program for certain immigrants and compared it to the proposed pilot. The excerpt ends during discussion of that comparison, with no vote shown.
FL

Florida 2026 Regular Session

Banking and Insurance Feb 4th, 2026

Banking and Insurance

Transcript Highlights:
  • Yes, sort of.
  • When the rates come down to a certain point, it becomes more of a risk-selection yes-or-no decision.
  • risk.
  • Captive insurers cover a wide range of risk, including both traditional and non-traditional ones for
  • What I'd like to add is, first of all, I am the CFO of the Florida Sheriff Risk Management Fund, and
Summary: The Banking and Insurance Committee heard and advanced a wide range of insurance, financial services, and probate bills. Early in the meeting, SB 1000 on trust fund interest for attorney trust accounts was explained as setting a floor and ceiling tied to the Wall Street Journal prime rate and was reported favorably. The committee then took up CS/SB 1082 on a statewide provider and health plan claim dispute resolution program for emergency out-of-network claims. After extensive discussion about the relationship between the state and federal No Surprises Act processes, an amendment was withdrawn due to concerns about clarity and scope, but the bill itself was supported by providers and insurers and was reported favorably. The committee also approved SB 684 on electronic signatures for total loss vehicles and vessels, CS/SB 158 on pet insurance consumer disclosures and agent education, SB 1494 expanding breast cancer screening coverage, CS/SB 314 on digital assets and stablecoin issuers, and CS/SB 1500 on uncontested probate procedures and small-estate administration. SB 618 on workers’ compensation insurance was amended to raise the consent-to-rate cap for workers’ compensation policies from 10% to 20% and then reported favorably, with supporters saying it would help keep higher-risk employers in the voluntary market. CS/SB 1568 creating a Florida Stablecoin Pilot Program was amended to remove authority for a Florida coin and limit the program to existing stablecoins, then passed. Later, the committee approved CS/SB 838 on electronic payment convenience fees for retail installment contracts, with the sponsor emphasizing that a fee-free payment option must still be offered. SB 1452, the Department of Financial Services agency bill, was amended and reported favorably; it covered My Safe Florida Home administration, insurance and licensing changes, unclaimed property updates, and other DFS-related provisions. The committee also passed SB 1706 on the My Safe Florida Condominium Pilot Program, targeting owner-occupied condominiums at or below 80% of area median income, and SB 990 on protected cell captive insurance companies, which supporters said would modernize Florida’s captive insurance laws and encourage more competition. The meeting ended with all listed bills reported favorably and the committee adjourned.
FL

Florida 2026 Regular Session

Fiscal Policy Jan 28th, 2026

Fiscal Policy

Transcript Highlights:
  • It is the sixth leading cause of death in our nation and in the state of Florida.
  • It is the sixth leading cause of death in our nation and in the state of Florida.
  • 60, and the population at higher risk of developing Alzheimer's and other related dementias.
  • I am the co-chair of the Board of Directors for the Alzheimer's Association in South Florida.
  • I am in support of this great bill.
Bills: S0578
Summary: The Committee on Fiscal Policy heard CS for SB 57A, the Alzheimer’s Disease Awareness Initiative by Senator Simon. The bill would create a statewide public health awareness campaign through the Department of Elder Affairs to promote early detection and diagnosis, brain health education, awareness of research and clinical trials, and outreach to older adults and higher-risk populations, with the department contracting with nonprofits for education and awareness efforts. Senator Simon and the bill’s supporters emphasized Florida’s high Alzheimer’s prevalence and the need for public education and early intervention. John Strader, representing the Alzheimer’s Association in South Florida and speaking as a caregiver, testified in support and described how early diagnosis and recent medical advances make awareness campaigns more important. He said a local pilot campaign in Miami-Dade led to a more than 30% increase in calls to the association’s helpline. Karen Morillo of AARP Florida and Tyler Jefferson of the Alzheimer’s Association waived in support. Several senators voiced support and personal reflections on the impact of Alzheimer’s on families and caregivers. Senator Osgood asked about funding and whether the initiative would require new appropriations, and Senator Jones urged that the bill be fully funded and recognized Senator Simon’s personal connection to the issue. In closing, Senator Simon spoke emotionally about his mother’s diagnosis and the need to help families find resources earlier. The committee then approved the bill by roll call vote and reported CS for SB 57A favorably before adjourning.
AL

Alabama 2026 1st Special Session

Alabama House Insurance Committee Jan 14th, 2026

Insurance

Transcript Highlights:
  • If it doesn't get one, then it will fail for lack of a second.
  • If it doesn't get one, then it will fail for lack of a second.
  • She's going to be based out of our office.
  • She's going to be based out of our office.
  • I almost forgot before we adjourn out of here.
Bills: SB19, HB40, HB27, HB40, HB27, HB40, HB27
TX

Texas 89th Regular

Trade, Workforce & Economic Development Apr 30th, 2025

Trade, Workforce & Economic Development

Transcript Highlights:
  • Office of Risk Management.
  • The State Office of Risk Management administers the Voluntary Insurance Program.
  • The Office of the State Office of Risk Management (SORM) recommended creating a self-insured retention
  • fund where agencies can pay into something similar to a risk pool to cover losses.
  • Stephen Allbreath, testifying on behalf of the State Office of Risk Management.
NM

New Mexico 2026 Regular Session

Senate - Rules Jan 30th, 2026 at 09:10 am

Senate Rules

Transcript Highlights:
  • of reprisal.
  • And that's the loss of veteran commissioners' highly valuable institutional knowledge, the gratuitous
  • And that's the loss of veteran commissioner's highly valuable institutional knowledge, the gratuitous
  • all of you in these seats in the next couple of years.
  • It's not a poke in the eye of the current secretary of education, who I think very highly of.
Bills: SB104, SJR3, SM3
NM

New Mexico 2026 Regular Session

Senate - Rules Feb 13th, 2026 at 09:19 am

Senate Rules

Transcript Highlights:
  • But I've been asking the committee room, by a show of hands, how many of you are in support of this conferee
  • At the risk of stating the obvious, I think it's helpful to sometimes just reflect that we're really
  • services for young people at risk of or involved in the juvenile justice system in New Mexico.
  • returns that current out-of-state shareholders foresee. ...risk and high-value returns that current out-of-state
  • A year-long study with the possible new rules would create risk to some of the most affordable, reliable
Bills: SM20, SM9, SJR6, HB124
KY
Transcript Highlights:
  • One of of those units, some were police.
  • includes all of Floyd County and part of includes all of Floyd County and part of Pike<00:04:41.919
  • return to that sort of that that line of return to that sort of that that line of work.<00:08:07.520
  • of pay. of pay.
  • calculation of what sort of additional calculation of what sort of additional cost<00:37:07.760>
Summary: The committee heard testimony from Rep. Ashley Tackett Laferty on a bill to extend minimum line-of-duty hazardous duty retirement benefits to certain CERS and KERS non-hazardous members who are injured in the line of duty and cannot return to that work. She used a video and examples from Eastern Kentucky first responders, including a deputy who lost a leg and an emergency management director who lost an eye, to argue that some injured officers and responders fall through the cracks because their employers did not elect hazardous-duty coverage. She said the proposal would provide 25% of pay to the disabled officer, plus 10% for dependent children and minimal health benefits, and noted estimated actuarial costs of about $2.9 million for CERS and $0.542 million for KERS, funded through small employer-rate increases. Members asked how far back the bill would reach, how many people might qualify, and whether the benefit would apply only to active employees or also to past injuries. Laferty said the bill would include a five-year window for recent situations and could potentially cover a total of 3,333 positions statewide that could be certified as hazardous, though benefits would only apply if the person was injured in the line of duty and disabled from returning to that work. Questions also focused on whether a non-hazardous employee could qualify if injured in a hazardous situation; Laferty said yes, if the position could be certified as hazardous, but only for the bill’s minimum benefits. Rep. Josh Calloway and others noted that local governments choose whether to pay the higher hazardous-duty contribution rates, which they said often drives the coverage decision. The committee then heard Rep. Daniel Gberg present a separate bill revising school leave rules so teachers and school employees may use accumulated sick leave to observe religious holidays not on the school calendar, with a required personal statement and advance notice. He said the change would address a longstanding inconsistency for teachers who observe non-Christian holidays and currently may have to choose between unpaid leave or improperly using sick days, and he said prior concerns about retirement service credit and maternity leave were reduced by other policy changes. The discussion ended without a vote, with members indicating they had the relevant materials and that the bill would be revisited later.
TX

Texas 89th Regular

Insurance Mar 26th, 2025

Insurance

Transcript Highlights:
  • insurance by taking on a risk of caring for a patient for a flat fee.
  • So to answer the last part first, we think that the fiduciary duty helps protect against the risk of
  • managers is the lack or loss of general liability insurance.
  • It's my belief this on the correct path of reducing our risk of wildfires across all of our 254 counties
  • After a lot of precautions are put in place, so I'm just curious how large of a risk or concern that
TX

Texas 89th Regular

Insurance Mar 26th, 2025

Insurance

Transcript Highlights:
  • The last piece of that is really just that if a carrier doesn't want to... ...write that risk or they
  • commercial risk can go directly to the surplus lines market, and many of them do, and many of them have
  • I'm Shannon Maroney, and I'm here on behalf of Velocity Risk.
  • It's different from our health insurance, which badly affects the quality of life as the risk of how
  • Statistically speaking, 20% of Americans have had a brain injury involving a loss of consciousness.
OK

Oklahoma 2026 Regular Session

Appropriations and Budget Health Subcommittee Feb 9th, 2026 at 04:30 pm

A&B Health Subcommittee

Transcript Highlights:
  • I know there are a lot of factors involved in those challenges, and one of them has been the need for
  • Is there some kind of a mechanism that the insurance company could be billed instead of relying on state
  • This came up kind of kind of Quickly, with our focus now on literacy and other issues, we have addressed
  • There are already a lot of organizations out there that help cover the funding of this, and I will continue
  • These new properties are some of those that are listed or some of the state-run facilities that are in
MN

Minnesota 2025-2026 Regular Session

House Human Services Finance and Policy Committee 3/12/26

Human Services Finance and Policy

Transcript Highlights:
  • <00:10:43.440> of work when there's no longer a risk of work when there's no longer a risk
  • person poses a risk of harm. person poses a risk of harm.
  • <00:13:36.720> have poses that risk of harm they would have poses that risk of harm they would
  • <01:04:46.240> services loss of housing that provided services loss of housing that provided
  • In those loss of housing or placement.
Bills: HF3174, HF3800
HI

Hawaii 2026 Regular Session

ECD Public Hearing - Fri Feb 13, 2026 @ 8:30 AM HST

Economic Development & Technology

Transcript Highlights:
  • of work.
  • <00:45:58.160> the a lot of great work, but a lot of the a lot of great work, but a lot of
  • what kind of limits it instead of new R&D.
  • what kind of limits it instead of new R&D.
  • <01:31:21.760> new what kind of limits it instead of new what kind of limits it instead of
Summary: The committee opened with HB 1813 on taxation and HB 2429 on tax expenditure evaluation, taking mostly written testimony and limited oral discussion. On HB 2429, the Tax Foundation and Department of Taxation raised privacy and federal-law concerns, warning that the bill could require taxpayers to file duplicative returns and could risk disclosure of federal tax information if released publicly. Members and witnesses discussed using anonymized or summary reporting instead of individual public release, with the department saying summarized data would be preferable and that the state can ask for the information as a policy matter, but individual public release could create problems. The committee then heard HB 2423 HD1 on biodiesel, where Pacific Biodiesel said it can supply all biodiesel needed for B5 in Hawaii without imports and asked to move the implementation date earlier to November 2027 to allow rollout planning. HB 1996 HB1 on hearing aids drew broad support; a disability access representative said earlier insurance-based efforts had run into administrative problems and that this bill would immediately lower costs for consumers. HB 1851 HD1, also related to hearing aids, received support from the Department of Labor and Industrial Relations, while the Tax Foundation argued the program would be better funded directly rather than through the tax system, citing overhead costs and blank provisions that should be filled in before passage. On HB 2546, the research activities tax credit, HCDC said the credit supports long-term R&D and should be converted from a first-come, first-served system to proration so more applicants receive some benefit; the agency described the credit as helping companies move from idea to commercialization and noted the state is leaving potential jobs and federal dollars on the table. HB 2028 HD1, relating to Labor Day for construction workers, drew support from labor representatives who said it recognizes construction workers and helps offset cost-of-living pressures, while the Tax Foundation opposed it as an industry-specific subsidy and flagged technical issues with undefined terms and blank credit amounts. The committee also heard HB 2583, HB 2490, HB 2545, HB 2114, and HB 1859 HD1. HB 2490, concerning coastal erosion at Mokuhiki Bay, received strong support from a temple representative who described severe shoreline loss, years of temporary emergency work, and the need for a long-term, nature-based solution in coordination with state agencies. HB 2545, involving HCDC and SBIR commercialization, was supported as a way to turn R&D into economic development; HCDC said it had more applications than it could fund and that the bill could help create high-wage jobs. HB 2114, the Hawaii Benefits Hub, received comments from ETS and DHS emphasizing support for the concept but cautioning that operational, policy, cybersecurity, and data-sharing standards must be carefully aligned. HB 1859 HD1 on workforce development drew strong support from workforce and philanthropic groups, who said Hawaii faces a long-term gap between projected living-wage jobs and the number of young people entering the workforce, and argued the bill would create durable infrastructure for coordination and long-term planning. No formal votes or final actions were taken in the portion of the hearing provided.
LA

Louisiana 2026 Regular Session

Natural Resources May 21st, 2026

Natural Resources

Transcript Highlights:
  • of each year.
  • Is part of your concern any of the migratory species within this area?”
  • of 20...”
  • Just about every parish in the state of Louisiana, both in March of 2016 as well as in August of 2016
  • the City of Gretna.