Video & Transcript Research : 'risk retention group'
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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:
- market. fully insured large group market.
- 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.
- Again, at the risk of repeating myself, I will summarize.
- <01:08:47.679>
other of participation by another group other of participation by another group
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.
OK
Transcript Highlights:
- They've liked to shift the cost or the loss of funds to the hospitals and to the physician groups, but
- Yes, they're clearly trying to put the first dollar risk onto the doctors into to The people providing
- Ok, you reckon us for a follow-up, so Another concern is that carriers to avoid collection risk will
- be very cost-effective Premium wise, would then hit the plan with the potential $10,000 collection risk
- They're going to look at what my risks are.
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
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
HI
Transcript Highlights:
- I'd love to see the working group?
- Yeah, this could be an inclusive<00:16:58.800>
group. inclusive group. inclusive group. - us an indication of a risk. us an indication of a risk.
- working group. working group.
- part of the working group. part of the working group.
Keywords:
hospice, health care, aging population, regulations, Medicare, working group, fraud prevention, quality of care, mental health, recidivism, civil commitment, Hawaii State Hospital, justice system, shelter, treatment pathways, biomarker testing, health insurance, precision medicine, healthcare access, medical necessity
Summary:
The committee heard testimony on SCR 21 SD1, which asks Hawaii Health Systems Corporation’s East Hawaii Regional Health Care System to study the feasibility of a rural health clinic or similar access point for the Volcano community. Testimony in strong support came from HHSC representatives, Volcano residents, the Volcano Health Collaborative, the Rotary Club of Volcano, and others, who said the area has a clear need and that local primary and urgent care would align with regional plans. HHSC said it had already looked at the area, found no suitable temporary buildings, and would need a longer-term, capital-intensive solution, but that the study could help accelerate next steps.
The committee then took up SCR 50 SD1, proposing a Hawaii Health Plan Working Group to design a basic affordable health plan for residents. Dr. Jack Lewin of SHIPTA said the state faces a growing uninsured population and argued for a short-term, lower-cost plan focused on preventive and primary care, drawing on the old State Health Insurance Plan as a possible model. Members asked about whether that prior program still exists and whether the working group should include the Hawaii Medical Association and Hawaii Primary Care Association; Dr. Lewin said the statute still exists but is unfunded, and that the group should be inclusive. The Department of Labor and other organizations also provided comments.
For SCR 75 SD1, which urges a coordinated interdepartmental effort to reduce fetal alcohol spectrum disorder, Dr. Lewin and others said prevention, prenatal screening, and early intervention are needed because FASD is often hidden until later problems appear. Amanda from Hawaii FASD Action Group said current implementation under Act 192 is still largely a landscape analysis and that Hawaii lacks the infrastructure and specialists for a full system. Darlene Chance Govor urged adding the judiciary as a partner so juvenile justice and probation staff can be trained and referral pathways improved, while the Department of Health said it supports prevention but prefers a broader, systems-based approach focused on child needs and upstream care. The Disability Rights Center supported the resolution and asked for an earlier reporting date.
The committee also heard SCR 149 SD1, which seeks an informal working group to address complex patients with multiple diagnoses involving substance use, mental health, or chronic physical illness. The Hawaii Substance Abuse Coalition and Ke Nui Malo strongly supported the measure, saying current siloed systems leave people bouncing between medical, mental health, and substance use providers without coordinated care, often ending up in crisis, emergency rooms, or the justice system. They said integrated residential care and a coordinated working group could improve outcomes and align with federal funding opportunities. The transcript ended before any final vote or action on the measures was announced, and SCR 109 was noted as withdrawn from the agenda.
US
US Federal 2025-2026 Regular Session
Hearings to examine the Semiannual Monetary Policy Report to the Congress, including S.257, to improve the resilience of critical supply chains. Feb 11th, 2025 at 09:00 am
Banking, Housing, and Urban Affairs Committee
Transcript Highlights:
- You withdrew from an international central bank group that shares information on climate-related risks
- We are attentive to the- Risks on both sides of our mandate.
- with the risks and uncertainties that we face.
- , liquidity risk, interest rate risk, and things like that.
- The fact that they're a sovereign risk.
Bills:
SB257
Keywords:
supply chain resilience, critical supply chains, critical goods, manufacturing, domestic manufacturing, reshoring, nearshoring, supply chain security, supply chain shock, supply chain disruption, critical infrastructure, emerging technologies, semiconductors, microelectronics, artificial intelligence, quantum computing, robotics, advanced manufacturing, blockchain, cybersecurity
TX
Transcript Highlights:
- Risk in the property and casualty space as a way to provide insurance.
- It's not technically insurance, but to mitigate risk for themselves.
- insurers who can reject high-risk policies.
- We're riding 50-plus percent of the risks in Tier 1.
- Like a broader group, if that makes sense.
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.
- Texas law allows group insurance of commercial lines for large business risk.
- One group member cannot eat through the limit of another group member.
- The larger the group, the better the rate would be associated with that group.
- 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
FL
Florida 2026 Regular Session
Appropriations Committee on Criminal and Civil Justice Jan 21st, 2026
Appropriations Committee on Criminal and Civil Justice
Keywords:
injunctions, protection orders, domestic violence, serious violence, court procedures, enforcement, risk protection, statewide communication system, public records, violence protection, confidentiality, defamation, code inspector, code enforcement, body camera, body-worn camera, police body cam, municipal code enforcement, local government, video recording
Summary:
The Appropriations Committee on Criminal and Civil Justice met with a quorum present and considered several bills. The committee heard and approved SB 504, allowing local governments to adopt standardized policies for code enforcement officers to use body cameras, and SB 506, which creates a related public records exemption for certain body camera recordings, including protections for minors and private information. Senator Smith raised questions about notice to property owners and use limitations, and Senator Osgood asked whether cameras must be on at all times; the sponsor said he would follow up on specifics. Both bills had support from local government and code enforcement groups and were reported favorably after adoption of an amendment to SB 504 clarifying training and familiarity with camera rules.
The committee also approved CS/SB 32, creating a new injunction for protection against serious violence by a known person, and SB 210, the companion public records exemption for petitions involving that injunction. Senator Sharif said the bills fill a gap for victims who do not qualify under existing injunction categories, and supporters waived in favor. SB 676, by Senator Arrington, was also reported favorably; it creates a graduated penalty structure for contributing to the delinquency of a minor when the underlying conduct involves certain animal cruelty offenses, and increases penalties for fighting or baiting animals. Senator Osgood spoke in support, tying the bill to protecting children and animals, and several law enforcement and animal welfare groups waived in support.
The committee further approved SB 432, which adds certain concentrated 7-OH to Schedule I, exempts FDA-approved veterinary xylazine products, creates a first-degree felony with a mandatory minimum for certain candy-like xylazine products, and establishes trafficking penalties for xylazine. Senator Osgood spoke at length in support, emphasizing overdose risks and the impact on people with substance use disorder. Finally, the committee passed SB 524, which revises duties and appointments related to the Medical Examiners Commission and district medical examiners, clarifies responsibilities within Chapter 943, and changes notification and curriculum approval provisions for criminal justice standards. All measures were reported favorably, and the committee adjourned without objection.
MN
Minnesota 2025-2026 Regular Session
Child Committee Meeting - 2026-04-15
Children and Families Finance and Policy
Transcript Highlights:
- <00:04:57.960>
and meetings and with provider groups and meetings and with provider groups - Um, and it puts everybody a little in the same kind of group to bring changes forward.
- <01:23:17.720>
There's <01:23:18.040>individuals from family group. - There's individuals from family group.
- <01:24:05.000>
to the same kind of in the same group to the same kind of in the same group
Keywords:
child care, day care, child care center, family child care, family day care, group family day care, licensed child care, licensing modernization, early childhood education, preschool, infant care, toddler care, school-age care, drop-in child care, night care, sick care, community-based child care, provider training, staff ratios, group size
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/20/25
Commerce Finance and Policy
Transcript Highlights:
- , and large group.
- group and large group individual small group and large group there<00:20:34.039>
are <00:20:34.320 - sometimes perhaps taking on more risk sometimes perhaps taking on more risk than<01:03:02.359>
- about individual Market small group about individual Market small group Group<01:03:25.920>
market - c> fully Group market large group market fully Group market large group market fully insured<01:03
- about individual Market small group about individual Market small group Group<01:03:25.920>
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
TX
Texas 89th Regular
Trade, Workforce & Economic Development Apr 30th, 2025
Trade, Workforce & Economic Development
Transcript Highlights:
- House Bill 5317 gives the Risk Management Board the authority to create a self-insured retention fund
- 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
- Stephen Allbreath, testifying on behalf of the State Office of Risk Management.
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
MN
Minnesota 2025-2026 Regular Session
Commerce Committee Meeting - 2026-03-26
Commerce Finance and Policy
Transcript Highlights:
- Um, so some banks are already doing this, um, but they're taking the risk that they could get sued for
- 00:04:55.760>
they're <00:04:55.880>taking <00:04:56.200>the <00:04:56.280>risk - taking the risk that they could<00:04:57.480>
get <00:04:57.640>sued <00:04:58.080> - Basically, the group that we were talking about with the waiver that we were speaking about in the last
- By creating high-friction entry, we risk cutting off vulnerable youth from the very tools they use to
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
MN
Minnesota 2025-2026 Regular Session
Child Committee Meeting - 2026-04-14
Children and Families Finance and Policy
Transcript Highlights:
- <00:04:18.640>
um, for the working group um, for the working group um, for<00:04:19.799>- ><00:24:52.400>
to It is still a risk to It is still a risk to you<00:24:53.560>know, <- That's still a risk.
- My concern was with looking at the working groups, what the working group is asking for in the interim
- :03:34.360>
risk <01:03:34.600>for around risk for imminent risk for around risk for imminent - ><00:24:52.400>
Keywords:
child welfare, African American children, racial disproportionality, family preservation, reunification, foster care, kinship care, relative placement, noncustodial parent, guardian ad litem, ombudsperson, Department of Human Services, county social services, active efforts, reasonable efforts, child protection, placement, out-of-home placement, Northstar kinship assistance, data disaggregation
Summary:
The Children and Families Committee adopted the April 8 minutes and then took up House File 4407, as amended by the A1 amendment. The amendment, explained by nonpartisan staff, incorporated much of the Senate version of related legislation and made a series of changes: it revised the definition of “disproportionately represented child,” shifted that determination to the Commissioner of Children, Youth, and Families, made technical cross-reference and terminology updates, adjusted training requirements, set the working group to expire December 31, 2027, and added an appropriation for statewide implementation. The committee adopted the A1 amendment and then referred the bill to Ways and Means.
Representative Gilman said the bill is intended to preserve the goals of the Minnesota African American Family Preservation Act while addressing operational, legal, and fiscal problems before statewide implementation. He argued for delaying the effective date by one year, shifting case review responsibilities to the state, and providing funding so counties are not left with an unfunded mandate. He also said the bill adds safety measures related to synthetic opioids and other imminent-harm concerns, and that the delay would allow the working group to finish its recommendations and give counties time to prepare.
County officials Steve Schmidt of Meeker County/Minnesota Rural Counties and Jenny Mojo of Clay County testified in support of the bill as amended, emphasizing that counties need clearer responsibilities, staffing, training, technology, and dependable funding to implement the law successfully. Rebecca St. George of DCYF said “active efforts” is not absolutely defined and is determined case by case, often with court involvement. Members raised questions about the meaning of active efforts, the bill’s synthetic opioid language, and whether the proposal should apply more broadly rather than within this specific act. A citizen also cautioned that the opioid language should not unintentionally affect families in treatment programs. Representative Hicks warned that the fentanyl provisions could lead to broad removals and create placement problems for teens with substance use disorder, while Representative Gilman responded that the bill includes a rebuttable presumption and is meant to protect children from imminent harm.
TX
Transcript Highlights:
- The chair lays out House Bill 21. 2911 by Chairman Frank relating to participation in the Uniformed Group
- This bill came to me from a meeting I hosted in the fall. with a group of public educators and school
- They can de-escalate situations, reduce the risk of violence, and connect students to support. system
- This creates barriers to entry and in doing so we risk leaving classrooms unstaffed. or staffed by long-term
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
TX
Transcript Highlights:
- More than one-third are considered at risk by the Texas Code of Education.
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
VA
Virginia 2026 1st Special Session
Tribute to Senator Yvonne Miller Work Group Jun 15th, 2026
Transcript Highlights:
- Memorial Commission Tribute to Senator Yvonne Miller Work Group to order, and have the members introduce
- If y'all are comfortable... ...and distribute to the work group.
- Madam Chair, Chair, members of the work group.
- You have a great work group here. I see. I see. You have a great work group here. I see. I see.
- If there's no further business to discuss for the work group today, we will be adjourned.
Summary:
The Dr. Martin Luther King Jr. Memorial Commission Tribute to Senator Yvonne Miller Work Group met to discuss plans for Senator Miller’s portrait. Members introduced themselves, then took a walking tour of the Capitol to review possible placement locations. After returning, the group agreed the first-floor rotunda area appeared to be the best recommendation because of its visibility, traffic, and central location between the House and Senate, which was seen as especially fitting given Senator Miller’s service in both chambers.
The work group also discussed how to select the portrait artist. Members described prior practices of reviewing artists’ websites or portfolios, narrowing the field to a few candidates, and then comparing style and pricing before making a choice. House staff noted that a portrait vendor or agent could help identify artists, and the group discussed whether a formal RFP was required. Counsel explained that the commission could seek an exemption under the VPPA, allowing a more flexible selection process without following the full statutory procurement procedure.
Members said the exemption request would be handled quickly and included in the report for the full commission meeting the next day. They also agreed to provide a photo of the recommended portrait location for members who had not taken the tour, and to revisit the family’s preferred image so it could be matched to the portrait requirements. The meeting ended with plans to report the location recommendation and continue the portrait selection process at the full commission meeting.
ND
North Dakota 2025-2026 Regular Session
House Industry, Business and Labor Apr 8th, 2025 at 02:45 pm
Industry, Business and Labor
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.
- But as part of this contract negotiation for the upcoming biennium, the risk was removed.
- The risk has been removed back... Was removed, excuse me, the gain was removed.
- The risk has been removed back to, I think it was 2017.
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.
MN
Minnesota 2025-2026 Regular Session
Human Committee Meeting - 2025-04-09
Human Services Finance and Policy
Transcript Highlights:
- House File 2187 for the DCT locked PRTF work group.
- This is from Representative Hicks and establishes the PRTF work group.
- This may actually result in some cuts in the group rate, for example.
- Lastly, in Section 56 on the work group, please add March to that work group.
- We appreciate the creation of the PRTF working group and the DCT-LOC-PRTF group as well.
Bills:
HF2434
TX
Bills:
SB 26
MN
Minnesota 2025-2026 Regular Session
House Human Services Finance and Policy Committee 4/10/25
Human Services Finance and Policy
Transcript Highlights:
- Some of these adjustments that we made will have an impact in group homes. Chumaka.
- will have an we made will have an impact will have an impact<00:05:24.080>
in <00:05:24.960>group - homes<00:05:25.680>
will <00:05:25.919>have <00:05:26.000>an The impact in group
Bills:
HF2434