Transcript Highlights:

• House File 2904, the bipartisan educator group insurance program, proposes a single large pool for all
• health insurance pool for all public health insurance pool for all public schools<00:32:26.720><
• We need a single large insurance pool. We need to share resources.
• We need a single large insurance pool. We need to share resources.
• We need a single large insurance pool. We need to share resources.

Bills: HF3422, HF3461, HF2904

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

Transcript Highlights:

• House Bill 5317 gives the Risk Management Board the authority to create a self-insured retention fund
• The committee substitute's alleged council draft adds the self-insured retention fund to the definitions
• The Office of the State Office of Risk Management (SORM) recommended creating a self-insured retention
• Functionally, it's similar to raising your deductible on your insurance policy.
• Finding a new place to live is really an undue burden on self-defenders.

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

Transcript Highlights:

• <00:08:00.960> premiums with homeowners insurance premiums with homeowners insurance premiums
• <00:09:46.399> in insurance in insurance in Minnesota<00:09:48.320> many<00:09:48.600><
• <00:10:15.000> companies new roof by their insurance companies new roof by their insurance
• conversations about dental insurance conversations about dental insurance mostly<00:25:05.840>
• <01:36:51.280> insurance affordable auto insurance insurance affordable auto insurance insurance

Bills: HF2228, HF46, HF856, HF2149, HF2215

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

Transcript Highlights:

• House Bill 1216, expenses for prescription drugs and relating to self-insurance health care plans.
• But insurance companies can place a rider on your policy that says, Insurance companies can place a rider
• continued: "Tell insurance companies they're not welcome.
• Section 4 applies to the Public Employees Retirement System, Uniform Group Insurance Program, or, for
• The rest of the bill impacts other health insurance at what date? Mr.

Bills: SB2271, HB1216

Keywords: adult residential facilities, care services, Medicaid, payment rates, elderly care, health services, North Dakota, prescription drugs, drug affordability, copay assistance, copayment accumulator, deductible accumulator, out-of-pocket maximum, health insurance, health benefit plan, self-insured health plan, self-funded plan, third-party payment, manufacturer assistance, patient assistance program

Summary: The Appropriations Committee met with a quorum and took up three bills. House Bill 1216, dealing with prescription drug expense co-pay accumulators in health plans, was presented by Rep. Karen Carl’s, who explained it would prevent insurers from refusing to count third-party assistance toward deductibles for patients using high-cost, non-generic drugs. An amendment was offered to clarify effective dates, including a delayed January 1, 2026 start for PERS coverage. PERS testified that the amendment would align with its calendar-year benefit structure and likely reduce the fiscal note. The amendment was adopted 16-0, and the bill was set aside for further discussion later. House Bill 1199, creating a criminal justice data-sharing system and missing persons/missing Indigenous people task force, was introduced with a committee amendment changing the Attorney General reference to the Attorney General or designee. The committee noted the bill includes a $250,000 general fund appropriation for ongoing costs. The amendment passed 16-0, and the amended bill received a do pass recommendation by a 15-1 vote, with one no vote from Senator Magrum. House Bill 1531, appropriating $75,000 for an irrigation expansion study by the Agriculture Commissioner, was supported as a way to update older economic-impact studies on irrigation and assess opportunities for expansion. Members discussed its relationship to broader study pauses and the history of irrigation development in the state, including Garrison Diversion and remaining authorized acres. The bill passed 16-0. The committee then discussed scheduling for the coming week, noting a heavy bill load and plans for daily morning meetings before adjourning.

Transcript Highlights:

• This allows these folks to self-insure and mitigate risk amongst themselves.
• By pooling resources, these faith organizations can collectively insure their properties at a lower cost
• Do you think this will lead to insurance providers requiring somebody to self-identify, let's say they're
• Their insurance companies...
• This bill doesn't create any new types of insurance or eliminate insurance.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• I represent the Texas Coalition for Affordable Insurance Solutions. Insurance solutions.
• Insurance is about the pooling and spreading of risk. We are one state.
• Any insurer may provide personalized property and casualty insurance that creates economies of scale
• We're an insurance distribution firm delivering tailored insurance solutions as individuals together.
• The insured is our client, and the insurance carrier is our trading partner.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes

Transcript Highlights:

• If the insurer is unable to contact the insured, the insurer denies the third party's claim.
• So, giving an example, you know, the risk pool insurance, right? Right.
• Risk pools are not in the insurance code currently.
• Dues or they buy risk pool insurance, and these risk pools shed their profit.
• All of our counties, or the overwhelming majority of our counties are self-insured.

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• There's the self-insured and the fully insured.
• There's the self-insured and the fully insured.
• There's the self-insured and the fully insured.
• self-insured and the fully insured self-insured and the fully insured self-insured<00:53:01.480>
• minnesotans or so is in the self-insured minnesotans or so is in the self-insured state<01:00:39.480

Bills: HF747, HF1014, HF320, HF400

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

Transcript Highlights:

• Section 12 amends the time frame for an employer or insurer that has commenced payment of compensation
• amends the time frame for an employer 12 amends the time frame for an employer or<00:25:11.279> insurer
• c> has<00:25:12.159> commenced<00:25:12.640> payment<00:25:12.960> of or insurer
• that has commenced payment of or insurer that has commenced payment of compensation<00:25:14.480>

Bills: HF4862, HF4598

Keywords: apprenticeship, education, teacher training, grant program, labor and industry, workers' compensation, Minnesota workers' compensation, Workers' Compensation Advisory Council, reinsurance association, Workers' Compensation Reinsurance Association, WCRA, occupational disease, presumption, first responders, firefighter cancer, PTSD, post-traumatic stress disorder, police officer, paramedic, emergency medical technician

Transcript Highlights:

• and this is very close to home in this committee, and that is um the wonderful work that the um insurance
• And we have a bill in front of us that talks about insurance later today and the cost of insurance going
• And we have a bill in front of us that talks about insurance later today and the cost of insurance going
• :59.920> loss,<01:19:00.239> eating<01:19:00.560> disorders,<01:19:01.199> self
• memory loss, eating disorders, self memory loss, eating disorders, self harm,<01:19:02.000> and

Bills: HF1392, HF2233, HF695, HF2228, HF1289

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

Transcript Highlights:

• , with costs shared among member insurers.
• This legislation addresses an insurance practice which unfairly allows insurance companies to reduce
• The insurer then may want to... ...repairs are complete, the insurer is supposed to pay the remainder
• Insurance policies have clauses stating insurers will need to request the withheld depreciation within
• It is all the more important in this line of insurance because title insurance is the only line of insurance

Bills: HB1464, HB1635, HB2516, HB3317, HB3502, HB4012, HB4268, HB4386, HB4877, SB916

Keywords: prescription drugs, drug pricing, pharmacy benefits, health insurance, health benefit plan, insurer, HMO, self-insured employer, public employer, school district, county, municipality, university system, higher education, retirees, dependent coverage, stop-loss coverage, bulk purchasing, group purchasing, purchasing pool

Transcript Highlights:

• non-substantive correction to the fee listed for each separate inspection of the bonding for swimming pools
• non-substantive correction to the fee listed for each separate inspection of the bonding for swimming pools

Bills: HF4598, HF4884, HF3732

Keywords: workers' compensation, Minnesota workers' compensation, Workers' Compensation Advisory Council, reinsurance association, Workers' Compensation Reinsurance Association, WCRA, occupational disease, presumption, first responders, firefighter cancer, PTSD, post-traumatic stress disorder, police officer, paramedic, emergency medical technician, correctional officer, security counselor, public safety dispatcher, temporary total disability, permanent partial disability

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
• <00:41:03.839> So, the unified pool. So, the unified pool.

Bills: HF3217, HF2252

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.

Transcript Highlights:

• Members, SB 264 will close down the Workers' Compensation Group Self-Insurance Guarantee Fund, first
• In the same industry, they join together and self-insure for workers' compensation.
• We've been self-insured for workers' compensation purposes since 2004, and the group's self-insurance
• After three years of drought, cotton ginners were the first and largest group self-insured, approved
• In fact, we've been financing the backstop for the group self-insurance guarantee fund since it was created

Bills: HB 1087, HB2504, HB4113, HB5144, HB5146, HB5377, HB5543, SB140, SB264, SB1244, SB1343, SB2121, HR868

Keywords: property owners, board vacancy, special election, association governance, community management, property owners' association, resale certificate, fees, real estate regulation, homeowners, HB 4113, Texas Rising Star Program, child care, child-care providers, Texas Workforce Commission, TWC, safety barriers, crash-rated bollards, bollards, playground safety

Transcript Highlights:

• It is self-acting. It's self-reporting.
• We've been self-insured since 2004 and been very supportive. successful.
• Self-insured approved by TDI now able to their only solvent self-insured group remaining In fact, we've
• Hey, we have medical insurance.
• The repeal of this section, agencies will have a larger pool of vehicles. select from.

Bills: SB264, SB542, SB924, SB1008, SB1029, SB1036, SB1057, SB1058, SB1185, SB1202, SB1358, SB1364, SB1376, SB1569, SB1664, SB1697, SJR50

Keywords: SB 264, Texas Workers' Compensation Act, group self-insurance, self-insured groups, workers' compensation, Texas Department of Insurance, commissioner of insurance, certificate of approval, guaranty fund, trust fund, wind down, dissolution, labor code, insurance regulation, employer coverage, risk pool, business and commerce, trade workforce economic development, property owners' association, water conservation

Transcript Highlights:

• What the committee substitute to House Bill 2563. does is create the prescribed burn manager self-insurance
• program, which is a temporary $25 million insurance pool administered by the Texas A&M Forest Service
• property in East Texas, as well as we have resources from the A&M Forest Service that already manage a self-insurance
• There's not enough burners for a private insurance pool to start the program.
• The insurance pool, what we're trying to do is establish a new network of prescribed burn managers that

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

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

Transcript Highlights:

• Typically what happens is an insurer will provide... to the insured a certificate of insurance that does
• have health care insurance.
• versus a fully insured plan.
• product better than no insurance?
• That can't afford insurance, that need insurance the most.

Bills: HB139, HB1818, HB1942, HB1959, HB2221, HB2254, HB2563, HB2067, HB2275, HB3211, HB139

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

Transcript Highlights:

• That also lowers the pool.

Bills: SB45, SB73, SB169, HB243, SB177

Keywords: athlete agents, commission, state regulation, Alabama, higher education, athletics, membership diversity, catastrophe savings account, catastrophe fund, storm savings, disaster savings, hurricane, windstorm, floodwaters, hail, tornado, property insurance, homeowners insurance, insurance deductible, FORTIFIED

Transcript Highlights:

• substitute, Madam Chair and members, the committee substitute to Senate Bill 1525 would prohibit insurance
• companies, which increases the costs to those of us that are buying insurance a little.
• your payer mix is heavy Medicaid, heavy Medicare, a little bit of private, and some that don't have insurance
• And when you think about the pool of physicians that might be willing to participate in this program,
• And TMA is confident that we have a physician pool that would be willing to engage in this regard.

Bills: SB128, SB640, SB672, SB904, SB1141, SB1263, SB1525, SB1528, SB2041, SB2306, SB2308, SB2357, SB2446, SB2695, SB2857, SB2891, SB2583

Keywords: hospital reporting, child abuse, neglect, administrative penalty, medical ethics, child protection, SB 640, Texas Family Code, Department of Family and Protective Services, DFPS, child welfare, foster care, managing conservatorship, suicide attempt, youth suicide, mental health, child protective services, state custody, annual report, reporting requirements

Transcript Highlights:

• We do have some children that have a psychological maybe challenge that they self-harm continually.
• Or was that a self-harm motion? So I don't know.
• Well, Matt, I was just going to say, like a psychiatrist... would potentially diagnose self-harm versus
• suicides or a diagnosis that would be a self-harming. diagnosis, how would y'all differentiate that?
• The larger purchasing pool, the greater negotiation power, and in a state as big as Texas, this bill

Bills: SB128, SB640, SB672, SB904, SB1141, SB1263, SB1525, SB1528, SB2041, SB2306, SB2308, SB2357, SB2446, SB2695, SB2857, SB2891, SB2583

Keywords: hospital reporting, child abuse, neglect, administrative penalty, medical ethics, child protection, SB 640, Texas Family Code, Department of Family and Protective Services, DFPS, child welfare, foster care, managing conservatorship, suicide attempt, youth suicide, mental health, child protective services, state custody, annual report, reporting requirements