Video & Transcript Research : 'risk pool'
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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><01:30:18.520>
which <01:30:18.639>keeps <01:30:18.920>rates it's a lowrisk pool - which keeps rates it's a lowrisk pool which keeps rates down<01:30:19.360>
for <01:30:19.840>< - in risk profiles third policies<01:42:11.199>
issued <01:42:11.520>under <01:42:11.800>
Keywords:
homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department
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.
- 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.
- I'm the State Risk Manager for Texas. In that capacity, I serve as the Executive Director.
Bills:
HB1958, HB2031, HB2879, HB3285, HB3995, HB4487, HB4558, HB4560, HB4876, HB4899, HB5212, HB5317, HB5543, HB5567, SB1333
Keywords:
firearm possession, tenant rights, landlord regulations, civil penalties, property code, justified use of force, deadly force, property rights, home defense, smart devices, data privacy, personal data collection, user consent, mobile application, data transparency, HOA, property owners association, property owners' association, Texas Property Code, Chapter 202
TX
Transcript Highlights:
- It's not technically insurance, but to mitigate risk for themselves.
- pools.
- So, like when a church files, I understand a risk pool—obviously they've been around in Texas for a long
- insurers who can reject high-risk policies.
- We're riding 50-plus percent of the risks in Tier 1.
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
TX
Transcript Highlights:
- Part of it is due to the concentration of... of risk and the risk of storms.
- This helps spread the risk out a bit more across everybody.
- Insurance is about the pooling and spreading of risk. We are one state.
- The idea is that the more risk you have pooled, the cheaper it is.
- of risks.
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
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/5/26
Commerce Finance and Policy
Transcript Highlights:
- And so we have our sickest, poorest people in this risk pool.
- And then we have, you know, this risk pool set up for teachers, and then we have this risk pool for us
- And so there are all these different risk pools out there.
- pool so that we're, um, you know, caring for each other through that risk pool.
- risk pool of people advocated for uh one risk pool of people that<00:43:12.319>
everybody <00:
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.
MN
Minnesota 2025-2026 Regular Session
Workforce Development Committee Meeting - 2026-04-09
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- And that unified pool has unified pool.
- >
is <00:21:28.720>a <00:21:28.960>pool The public facilities pool is a pool The - to another pool.
- <00:36:29.760>
15 smaller shear pool pool over the last 15 smaller shear pool pool over the - . risk. risk.
Keywords:
bioindustrial facilities, economic development, renewable energy, advanced biofuels, state funding, HF2252, Minnesota bonding, volume cap, private activity bonds, tax-exempt bonds, public facility bonds, public facilities pool, unified pool, bond allocation, municipal finance, bond cap, housing bonds, residential rental projects, manufacturing bonds, enterprise zone bonds
Summary:
The committee first approved the prior day’s minutes as amended, correcting the meeting number from the 46th to the 45th meeting. It then took up House File 3217, which would restore funding for the Minnesota Bioincentive Program. Representative Kisha argued the state should honor commitments made to companies that met program requirements and had not received full reimbursement. Testifiers from the Great Plains Institute and Minnesota Biofuels Association said the program has supported bioeconomy investment, reduced greenhouse gas emissions, and generated strong economic returns, but has been underfunded, leaving unpaid claims. Members raised questions about whether the bill was retrospective and whether it should be reviewed by another committee; the bill was laid over for further consideration without a vote.
The committee then heard House File 2252, a proposal to modernize Minnesota’s private activity bond volume cap by shifting unused allocation from the small issuer/manufacturing bucket to the public facilities bucket while leaving the overall cap unchanged. The bill’s public finance testifier said the current allocation formula is outdated, housing would remain the top priority, and the change would be budget neutral. Testifiers from the Minnesota Milk Producers Association and Minnesota Biofuels Association supported the bill, saying it would better align financing with rural infrastructure, clean water, manure management, renewable natural gas, dairy processing, and low-carbon fuel projects, and could lower borrowing costs for those sectors. Members questioned whether the bill fit the committee’s jurisdiction and noted it might be more appropriate for another committee; the bill was also laid over for further consideration.
NV
Transcript Highlights:
- really appreciate the way that there have been some parameters put in place because we know there is a risk
- There is not a massive pool of applicants.
- In fact, there's oftentimes next to no pool of applicants.
- How much do you feel the salary impacts our ability to draw from a more... ...robust pool?
Keywords:
Nevada gaming, gaming regulation, sports pool, race book, interactive gaming, slot machines, restricted license, Gaming Control Board, Gaming Commission, game approval, administrative approval, service provider, cash access, wagering instruments, global risk management, information service, sports wagering, pari-mutuel wagering, casino regulation, gaming license
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/20/25
Commerce Finance and Policy
Transcript Highlights:
- recognize the importance of education and ensuring that people are good consumers who understand scams and risks
- recognize the importance of education and ensuring that people are good consumers who understand scams and risks
- good consumers who understand<00:27:10.559>
scams <00:27:10.960>and <00:27:11.200>risks - ><00:27:11.919>
I <00:27:12.159>think <00:27:12.240>what understand scams and risks - I think what understand scams and risks.
Keywords:
consumer protection, restitution, attorney general, consumer enforcement, unclaimed funds, victim compensation, settlement funds, special revenue fund, general fund, restitution account, consumer fraud, state treasury, eligible consumers, distribution of funds, tax subtraction, income tax, refund, unpaid compensation, Minnesota Department of Revenue, consumer redress
MN
Minnesota 2025-2026 Regular Session
House State Government Finance and Policy Committee 2/26/26
State Government Finance and Policy
Transcript Highlights:
- The EGIP pool would create increased stability by spreading risk over a larger group.
- <00:53:43.040>
as pools whether it's a voluntary pool as pools whether it's a voluntary pool - <00:59:35.119>
and a larger pool to lower that risk and a larger pool to lower that risk and - He said the reality is that we live in a market economy, and that larger pools mean we lower our risk
- We have a greater ability to spread out that risk over a larger pool, bring down costs, and bring down
Keywords:
state grants, grant oversight, grants management, executive agencies, Minnesota Department of Administration, commissioner of administration, fraud prevention, waste prevention, grant monitoring, financial reconciliation, grant compliance, state government, public funds, grant recipients, competitive grants, grant administration, administrative oversight, monitoring visits, grant policy, legislative leave
TX
Transcript Highlights:
- And the risk pool that's being established, do you think is sufficient for the entire state?
- I think the risk pool is.
- Um, so first, I understand this is a... ...risk pool that's setting up.
- The state is putting the seed money in for the risk pool. Uh, one.
- Another one, are there any other states that you're aware of that have done a risk pool where the state
Keywords:
HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301
TX
Transcript Highlights:
- Yeah, one that does those hybrid risks or something. Yeah, correct.
- We can't take more risk in case there's a storm or something that occurs, you know, or risk tolerance
- And the other thing is that there may be multinational risk; they may have risk in Texas.
- I'm Shannon Maroney, and I'm here on behalf of Velocity Risk.
- So, besides the capital piece, what's the risk with doing Texas law?
Keywords:
HB 1818, Texas Insurance Code, Texas Department of Insurance, commissioner of insurance, health maintenance organization, HMO, insurer, utilization review, preauthorization, prior authorization, medical necessity review, health care services, medical care, insurance regulation, insurance examination, regulatory oversight, confidential records, public information exception, Chapter 843, Chapter 1301
AL
Keywords:
contraceptive rights, healthcare access, civil action, Attorney General, contraception enforcement, prostate cancer, health insurance, screening, high risk, cost-sharing, African American men, savings accounts, catastrophe, emergency funds, financial security, state laws, criminal justice, parole, Board of Pardons and Paroles, risk assessment
TX
Bills:
HB 148, HB 334, HB 554, HB 762, HB 1520, HB 1593, HB 3526, HB 3810, HB 5092, SB 2215, HB 2607
Keywords:
family leave, leave pool, county employee, sick leave, vacation leave, family care, pandemic, guardianship, severance pay, political subdivision, contract termination, misconduct, public funds, suicide prevention, peer support, fire departments, mental health, advisory committee, fiscal transparency, local government
KY
Kentucky 2026 Regular Session
Interim Joint Committee on State Government (7-29-24) - Reupload
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=Id9-RjdJY8o, 2026-06-21T07:17:08+00:00, 2.2.24, Data collected via generic collector engine, Ky County Clerk’s Association 2025 Legislative Agenda -- 6:53
Update on Renovation and Construction on the Capitol Campus -- 33:37
Briefing on Current Status of State Vehicle Pool -- 49:58, 958, all, 2.2.42, 2.1.47
KY
Kentucky 2026 Regular Session
Interim Joint Committee on State Government (7-29-24)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=X3Mi0TUvxWo, 2026-06-21T07:17:08+00:00, 2.2.24, Data collected via generic collector engine, Ky County Clerk’s Association 2025 Legislative Agenda -- 6:53
----Update on Renovation and Construction on the Capitol Campus -- 33:37
----Briefing on Current Status of State Vehicle Pool -- 49:58, 958, all, 2.2.42, 2.1.47
US
US Federal 2025-2026 Regular Session
Hearings to examine risk management, credit, and rural business views on the agricultural economy, focusing on views from the field. Mar 11th, 2025 at 01:30 pm
Agriculture, Nutrition, and Forestry Committee
Transcript Highlights:
- without increasing the risk of the agency.
- The Risk Management Agency and FSA offer important risk management programs and financial relief to farmers
- The farmer takes the risk, the government takes risk, and as insurance providers, we also take risk.
- Uncertainty always provides added risk.
- So it's already a risk itself.
Keywords:
farm bill, rural economy, crop insurance, access to credit, young farmers, USDA funding freeze, agricultural policy, risk management
Summary:
The meeting of the agricultural committee focused on significant concerns regarding the current state of America's rural economy, highlighting the need for a strong five-year farm bill to address the challenges faced by farmers, particularly young and beginning farmers. Key testimony was given by multiple stakeholders including agricultural leaders and young farmers, emphasizing issues related to crop insurance, access to credit, and the adverse impact of recent USDA funding freezes. Various members discussed the necessity of risk management tools that farmers rely on to secure financing, which is crucial for sustaining agricultural operations and supporting rural communities. The importance of timely legislative action was underscored, as many farmers reported struggles in the current economic climate, raising urgency for reforms within the Farm Bill framework.
OK
Oklahoma 2026 Regular Session
Retirement and Government Resources REVISED Apr 21st, 2026 at 10:30 am
Retirement and Government Resources
Transcript Highlights:
- So does the pecuniary interest definition include future risk or risk assessments?
- We're trying to get away from anything that is not reasonably likely to affect or impact the financial risk
- unnecessary layer of bureaucracy and it prevents our financial experts from considering real-world risk
Bills:
HB1170
TX
Transcript Highlights:
- Many invasive procedures have well understood quantifiable risks, and when the probability of those risks
- When you list death, for example, as a known risk and complication of every procedure, regardless of
- But I'm not as familiar with health law and I didn't know if we were making the pool of eligible, uh,
- Specifically those at risk of experiencing homelessness in Denton County.
- And for students, I really implore you to think this risk is especially great.
HI
Hawaii 2026 Regular Session
CPC Public Hearing - Wed Apr 22, 2026 @ 2:00 PM HST
Consumer Protection & Commerce
Transcript Highlights:
- conduct a comprehensive analysis on the best paths to maximize cost reduction and minimize financial risk
- testimony with comments. cost reduction and minimize financial cost reduction and minimize financial risk
- Hawaii<00:25:17.279>
residents <00:25:17.600>while <00:25:17.840>meeting risk - to Hawaii residents while meeting risk to Hawaii residents while meeting state<00:25:18.400>
goals
Keywords:
electric reliability, renewable energy, interconnection, Hawaii Electric Reliability Administrator, Public Utilities Commission, capacity shortfalls, energy policies, mail-order pharmacy, insurance, healthcare access, chronic disease management, cost savings, rural access, emergency healthcare, patient adherence, critical infrastructure, foreign influence, local control, energy dependence, economic resilience
Summary:
The Committee on Consumer Protection and Commerce heard several Senate concurrent resolutions related to utilities, pharmacy access, critical infrastructure, and energy policy. STR 96 SD1 asked the Public Utilities Commission (PUC) to report on the progress of the Hawaii Electric Reliability Administrator; the PUC offered written comments and the measure later advanced as is. STR 109 SD1 urged the insurance commissioner to study expanding mail-order pharmacy use. Testimony was split: DCCA’s insurance division, HMSA, and the Hawaii Association of Health Plans supported the study, while Shipa and the Hawaii Pharmacist Association opposed it, arguing mail-order pharmacy is already available and that in-person pharmacist counseling should be preserved. The measure was ultimately deferred.
The committee also heard STR 164 SD1 on protecting Hawaii’s critical infrastructure from foreign influence. Greenpeace Hawaii and 350 Hawaii strongly supported the resolution, framing it as a consumer protection and resilience measure tied to reducing dependence on imports and strengthening local food and energy systems. No opposition was presented, and the resolution was moved out as is. STR 172 SD1 HD1 directed the PUC to conduct a comprehensive analysis of ways to maximize cost reduction and minimize financial risk while meeting state goals. DCCA, the Hawaii State Energy Office, and the PUC offered comments, and Earthjustice supported the measure; it was also advanced as is.
For STR 166 SD1, which concerns how the PUC should evaluate generational energy commitments, DCCA, the Hawaii State Energy Office, and the PUC provided comments, while 350 Hawaii, Greenpeace Hawaii, and others opposed any move toward LNG, arguing it would harm ratepayers and conflict with Hawaii’s renewable goals. After discussion, the committee amended the resolution to add language directing the PUC to evaluate any LNG or other imported-fuel proposal for its potential effects on or delays to the state’s renewable portfolio standards, including the 2045 deadline. The amended resolution then passed, and the committee adjourned.
FL
Transcript Highlights:
- Thank you for this opportunity to present SB 1112 relating to the Florida Labor Pool Act.
- In 1995, FLPA passed establishing uniform standards of conduct for labor pools.
- Labor pools can exploit workers and disappear, leaving workers unpaid and businesses exposed.
- Please support this bill and the amendments to the Florida Labor Pool Act. Thank you.
- How can this be done when we're held back by this labor pool act?
Keywords:
traffic safety, school zones, speed detection systems, license plate recognition, yellow signal timing, data privacy, municipal powers, labor pool, employment, temporary work, placement fee, Department of Commerce, limited liability companies, corporations, principal office, registered agent, Florida Statutes, charitable giving, endowment agreements, donor restrictions
Summary:
The Committee on Commerce and Tourism considered several bills. SB 1338 by Senator Burton would strengthen enforcement of written endowment agreements for charitable gifts and require legislative approval for new filing or reporting requirements on charities. The sponsor and Philanthropy Roundtable testified in support, emphasizing donor intent and protections for nonprofits; the bill was reported favorably. SB 1324, which was expected to address principal offices of LLCs, was temporarily postponed.
The committee also passed CS/SB 1080 by Senator DeSigley, which directs FDOT to adopt rules allowing direct payments to first-tier subcontractors in specified circumstances. A transportation industry representative supported the measure, saying the situations are rare but need a statutory remedy. CS/SB 1582 by Senator Yarbrough, as amended, requires secondhand dealers, secondary metal recyclers, and pawnbrokers to submit transaction data to FDLE for statewide sharing through systems such as LInX; the amendment and bill were both reported favorably, with one witness from the Florida Recycler’s Association opposing the amendment.
Senator McLean’s SB 1672, creating a home buyer workforce tax credit for employer contributions to help employees with first-time Florida home purchases, was reported favorably with support from the Florida Chamber of Commerce. SB 1112 by Senator Garcia, relating to the Florida Labor Pool Act, drew extensive testimony from workers, reentry advocates, and supporters who argued it would prohibit placement fees when workers are hired permanently, require annual registration of labor pools, improve accountability, and support stable employment and reentry; the bill was reported favorably. The committee then adjourned after recording votes and other closing business.