Video & Transcript Research : 'stop-loss coverage'
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OK
Oklahoma 2026 Regular Session
Commerce and Economic Development Oversight REVISED: SB1101 and SB1966 - Added Apr 16th, 2026 at 10:30 am
Commerce & Economic Development Oversight
Keywords:
SB80, legislation, state law, public safety, community impact, local governance, dental coverage, insurance reporting, healthcare access, dental loss ratio, community benefits, Oklahoma law, Athletic Trainer, Compact, interstate practice, licensure, public health, workforce development, military spouses, telehealth
KY
Kentucky 2025 Regular Session
Interim Joint Committee on Banking and Insurance (9-16-25)
Transcript Highlights:
- Move on to our final topic on the agenda: coverage of hearing loss.
- <01:25:33.920>
Representative coverage of hearing loss. - Representative coverage of hearing loss.
- I'm here to present on an act relating to coverage for hearing loss, which was Senate Bill 93.
- to coverage for hearing loss,<01:26:14.639>
which <01:26:14.880>was <01:26:15.120>Senate
Keywords:
Meeting Start 00:00:00
Call to Order and Roll Call 00:00:23
Kentucky Bankers Association 00:02:32
How to Read and Understand KRS 6.948 Health Mandate and Federal Cost Defrayal Impact Statements 00:25:40
Proposed Amendments to Kentucky's Essential Health Benefit-Benchmark Plan 00:50:18
Proposed Health Insurance Legislation for the 2026 Session 01:04:22
Reimbursement for Covered Benefits Delivered Through the Psychiatric Collaborative Care Model 01:01:46
Coverage of Eating or Feeding Disorders 01:18:47
Coverage of Hearing Loss 01:25:31, 958, all
Summary:
The Interim Joint Committee on Banking and Insurance met for its first interim meeting, established a quorum, approved routine opening items, and welcomed a new committee assistant and a legislative intern. The committee first heard a Kentucky Bankers Association presentation from Tim Shank and John Cooper focused on the state’s housing shortage, which they described as affecting all 120 counties and especially low- and moderate-income and workforce housing. They urged support for a proposed $20 million banker-backed revolving fund, paired with tax credits, to finance new housing construction; they said the program would be flexible, could support alternatives such as manufactured housing, and would use below-market loans with tax credits vesting over five years only after units are completed. They also asked for extension of the historical tax credit carryforward from five to seven years and for continued support of new market tax credits, arguing that supply-chain delays make the longer period necessary for historic rehabilitation projects.
The bankers also raised concerns about credit unions, arguing that because credit unions do not pay the same taxes as banks, they should not be allowed to acquire healthy state-chartered banks or hold state and local deposits. They cited the recent purchase of First State Bank of Middlesborough as an example, saying the transaction would reduce state, county, and city tax revenue and weaken local tax bases. In response to committee questions, the presenters said local regulations, zoning, parking, sidewalk, and utility easement issues can significantly delay housing projects, and they emphasized that state policy and infrastructure support are needed to help address affordability and development barriers.
The committee then shifted to a Department of Insurance presentation by Commissioner Sharon Clark on how to read KRS 6.948 health mandate and federal cost defrayal impact statements. Clark explained that the mandate statements were created in 1998 so legislators would have actuarial estimates of how proposed health insurance mandates would affect administrative costs, premiums, and total costs, and she noted that later legislation added federal cost-defrayal analysis. She also reviewed the background of the Affordable Care Act’s essential health benefits framework and said the department’s statements are intended to help lawmakers make informed decisions on proposed health coverage mandates. No votes or formal actions were taken during the portion of the meeting provided.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/26/25
Commerce Finance and Policy
Transcript Highlights:
- working on a a reinsurance back stop working on a a reinsurance back stop bill<00:03:32.360>
- could take the temperature down and stop could take the temperature down and stop them<00:32:15.399
- <01:29:49.280>
a and underinsured motorist coverage a and underinsured motorist coverage a - it is a dollar additional uh coverage it is a dollar one<01:45:58.560>
coverage <01:45:59.040> - > which coverage a motorcycle coverage which coverage a motorcycle coverage which will<01:46:34.880
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
OK
Transcript Highlights:
- that home insurance companies often elect to adjust rates in less regulated states to make up for losses
- And, in my opinion, I believe that the smaller carriers, the regional carriers, will close shop or stop
- If we're mandating coverage, are they a thousand...
- If we're mandating coverage, are they a thousand bucks? Are they $100,000?
- Loss expenses outside of the State of Oklahoma, which everybody has told me that we don't do.
Keywords:
insurance, nonadmitted insurers, surplus lines, insurance regulation, Oklahoma, health insurance, contracting entities, medical providers, enrollment, beneficiary rights, property and casualty, rates, filing, Insurance Commissioner, regulation, property, regulations, actuary, rate filing, independent review
TX
Transcript Highlights:
- That's not a gap in coverage; that's a cliff.
- Not having Medigap coverage made my journey much harder.
- Overly broad, it applies to all types of insurance: commercial property, contents coverage, auto coverage
- , homeowner's coverage, and not all property policies provide for 180 days from the date of loss.
- The point is, there are very, very few losses.
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
TX
Transcript Highlights:
- of a total loss was basically that...
- They define total loss differently than what I did.
- You know, my last two years operating losses have been over two... $10 million operating losses have
- Their pharmaceutical coverage.
- It doesn't stop there.
Bills:
HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432
Keywords:
prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury
TX
Transcript Highlights:
- They will deny that coverage if it was for weight loss versus diabetes on that care. Okay.
- It may even result in a denial or a non-renewal of coverage.
- . anticipated loss experience.
- This was the first gas station I stopped at. And so...
- And so anytime I'm out heading towards Bastrop to Houston, I have to stop.
Bills:
HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432
Keywords:
prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury
US
US Federal 2025-2026 Regular Session
Hearings to examine the STOP CSAM Act. Mar 11th, 2025 at 01:30 pm
Criminal Justice and Counterterrorism Subcommittee
Transcript Highlights:
- And I'm honored to be here today to share NCMEC's perspective on the need for the Stop CSAM Act.
- Now the previous version of the Stop CSAM Act proposed several important policies.
- Place the stop gaps where they are needed in law that exist to protect our children.
- Stop CSAM would require the provider to submit limited additional data in its reports.
- The Stop CCM Act was first introduced two years ago.
Keywords:
Stop CSAM Act, child exploitation, online safety, reporting requirements, tech accountability, NCMEC, survivor support, legislative testimony
Summary:
The committee meeting centered around the urgent need to address child sexual abuse material (CSAM) online, focusing primarily on the testimony and discussions surrounding the Stop CSAM Act. Several witnesses, including representatives from law enforcement and advocacy organizations, highlighted the significant drop in reports of child exploitation cases despite an alarming increase in actual incidents. Concerns were raised about tech companies' reporting practices, with calls for more stringent requirements to ensure timely and accurate reporting of suspected abuse. The legislation aims to fortify protections for child victims by imposing stricter obligations on tech platforms to report incidents and support law enforcement in investigations.
TX
Transcript Highlights:
- the loss, not coverage questions.
- The average difference on total loss claims was $3,800.
- Total loss claims showed an average increase of $3,900.
- Appraisals are there to resolve these cost disputes, not coverage and causation.
- Now the court has spent time and everything stops. The case goes to appraisal.
Bills:
HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458
Keywords:
insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage
TX
Transcript Highlights:
- It seeks to activate health insurance coverage during these instances.
- I'll stop there.
- They told us that the only way for Jeffrey to have any chance was to choose to stop treatment.
- Carriers are leaving the state, reducing coverage, raising deductibles, accounting for coverage in parts
- So you're gonna have to ... figure out some kind of timeline to stop this at some point.
Bills:
HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458
Keywords:
insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage
MN
Minnesota 2025-2026 Regular Session
House Transportation Finance and Policy Committee 2/25/26
Transportation Finance and Policy
Transcript Highlights:
- , you're supposed to stop.
- <00:19:55.760>
Our on a school bus, you must stop. Our on a school bus, you must stop. - <00:21:28.720>
arms Supreme Court ruling around stop arms Supreme Court ruling around stop - It's making that stop. It's visual. It's making that stop.
- be protected and to have that coverage. be protected and to have that coverage.
Keywords:
cancer, disability, parking certificates, transportation, state law, school bus, schoolchildren, student safety, traffic safety, stop arm, flashing red lights, amber lights, passing a school bus, 20 feet, vehicle stopping distance, driver duties, school transportation, Minnesota traffic law, school bus law, bus stop signal
TX
Bills:
SB2601
Summary:
The Senate Committee on Border Security met with a quorum and heard only one bill, Senate Bill 2601 by Senator Blanco, laid out by Senator Hinojosa of Hidalgo. The bill was presented as a committee substitute to revise the Landowner’s Compensation Program created last session under SB 1133. The changes would expand eligibility to include land lessees with the landowner’s permission, cover damage to the land itself as well as structures and real property, add continuous smuggling of persons as a qualifying border crime, prohibit insurers from using claims under the program in rate calculations, and require law enforcement to provide requested border crime reports to the Attorney General within 14 days.
Public testimony was unanimously supportive. Charles Maley of the South Texans Property Rights Association said the program has been beneficial and that the bill helps clean up implementation issues, including clarifying compensation for debris and pollutants left on land. Stephen Diebel of the Texas and Southwestern Cattle Raisers Association also supported the bill, saying it would help address fence damage, destroyed infrastructure, and other harms along the border, and that lessees who manage properties day to day should be eligible for direct compensation when they have the landowner’s permission.
Members discussed border-related property damage, including vehicles crashing through fences, broken sheds, livestock escaping, and resulting highway hazards. Senator Hinojosa asked about how conflicts between landowners and lessees would be handled, and testimony indicated documentation of lease authority would be required. After public testimony closed, the committee adopted the committee substitute without objection and voted to report SB 2601 favorably to the full Senate by a 5-0 vote, recommending it as local and uncontested.
FL
Transcript Highlights:
- Let's take up tab for Senate Bill 684 on electronic signatures associated with total loss vehicles and
- It will allow electronic signatures to be used on total loss vehicles and vessels, require insurance
- for the following types of insurance coverage: individual... so they can accurately explain policies
- Members, smaller high-risk employers are struggling to find affordable voluntary coverage.
- This essentially gives the policyholder the option to accept a higher rate for coverage in situations
Keywords:
pet insurance, consumer protection, insurance regulation, policy disclosure, agent training, payment stablecoin, financial regulation, anti-money laundering, state oversight, digital currency, financial services, workers compensation, Florida statute, commercial insurance, insurance board, electronic signatures, vehicle titles, insurance regulations, auditing, total loss vehicles
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.
TX
Transcript Highlights:
- So we think that it's important to kind of clean that up too, but I'll stop there.
- That insurance company that exists to offer coverage in our state will only offer coverage to foresters
- That is a good thing about losses in prescribed burns.
- And so losses do occur, but you do everything you can to minimize those losses.
- They don't know what the loss runs are going to be. They don't have the data.
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:
- Apps and coverage.
- before losing coverage.
- They would provide meaningful coverage, meeting all federal requirements for coverage. patient protection
- Some coverage is better than no coverage at all.
- Obamacare is not meaningful coverage. It provides meaningful coverage.
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
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) Mar 27th, 2025
Business & Commerce
Transcript Highlights:
- The average difference in total loss claims was $3,089.26.
- For total loss claims, it's $3,964 above the carrier's final offer.
- And what we saw and the coverage that is not there.
- It's one of my favorite stops.
- loss of productive land.
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
TX
Bills:
SB2601
Keywords:
landowner compensation, border crime, agriculture damage, law enforcement, crop loss, 1185, senate, all
Summary:
The Senate Committee on Border Security met with a quorum and heard one bill, Senate Bill 2601 by Senator Blanco, laid out by Senator Hinojosa of Hidalgo. The bill amends the Landowner’s Compensation Program, which was created last session and is administered by the Office of the Attorney General, to expand eligibility to land lessees, cover damage to the land itself as well as structures and real property, add continuous smuggling of persons as a covered border crime, prohibit insurers from using claims under the program in rate calculations, and require law enforcement to provide border crime reports to the Attorney General within 14 days. The committee substitute also makes the bill a legislative council draft.
Public testimony was unanimously supportive. Representatives of the South Texans Property Rights Association and the Texas and Southwestern Cattle Raisers Association said the program has helped landowners but needed cleanup and broader access, especially for lessees who manage property day to day and may otherwise not receive compensation. Testimony also emphasized ongoing problems with fence damage, debris, pollutants, and other border-related property damage. Members asked about implementation, including how conflicts between landowners and lessees would be handled; the response was that documentation of authority and lease responsibilities would be required.
After public testimony closed, the committee adopted the committee substitute without objection. Senator Hinojosa then moved that SB 2601 be reported favorably to the full Senate with the committee substitute, and the motion passed on a 5-0 vote. The bill was also recommended for the local and uncontested calendar, with no objection.
TX
Transcript Highlights:
- There are people willing to write coverage, or people who are completely unable to get coverage because
- , an adult who, right, what have you, or that insurance companies are going to stop offering that coverage
- versus trans-affirming coverage.
- coverage when it's tied to it.
- The current law requires them to have insurance coverage at that time, at $1 million in coverage.
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:
- What this does is it creates a uniform windstorm insurance coverage plan.
- The losses may be higher in the event of a storm.
- The only way to stabilize the property insurance market is to stop the losses.
- incidental liability coverage.
- That means that for personal line group policies, the coverage limit you buy is your coverage.
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
NM
Transcript Highlights:
- coverage of anywhere from 10 to 40%.
- type of coverage.
- So I'm buying my homeowner's insurance, and I'm buying coverage to cover a wildfire loss.
- in your property coverage.
- Do I have to have hurricane coverage? Do I have to have hurricane coverage or earthquake coverage?
Keywords:
insurance, wildfire, flood damage, natural disasters, property coverage, water projects, appropriation, New Mexico, finance authority, infrastructure, New Mexico Finance Authority, funding, SB193, acequia, community ditch, irrigation works construction fund, water infrastructure, ditch infrastructure, irrigation, New Mexico water law