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• after 65 years of age or older, it inserts 'and insured under a Medicare supplement policy.'
• in favor of you.
• She is the division, the Health and Life Insurance Director at the Office of Superintendent of Insurance
• And all I can do today is rely on my expert, who's the Director of Life and Health Insurance for the
• Okay, and the concern of the insurance industry is that this spreading of the risk is going to raise

Bills: SB21, SB42, SB81, SB101, SB139

Keywords: SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation, senior health coverage, elderly, retiree, Medicare beneficiaries, preexisting conditions, underwriting restrictions, premium discrimination, New Mexico insurance law, superintendent of insurance, health care coverage, policy portability, healthcare

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• Department of Education a copy of the employment contract for each school district superintendent or
• One is that the top-paid superintendent in the state, the superintendent of the Talis and Union High
• School... ...paid superintendent in the state, the superintendent of the Talleson Union High School District
• This gives you an idea of just how out of line that compensation was; the current superintendent in that
• Superintendent salaries are public in the Superintendent Annual Financial Report, which isn't true of

Bills: HB2008, HB2075, HB2203, HB2395, HB2409

Keywords: school libraries, public school libraries, library funding, professional associations, library associations, librarians, information services, dues, membership fees, public monies, school governing body, county free library district, municipal library, library contracts, library services, books and programs, Arizona education, Title 15, Library Freedom Act, school district transparency

Summary: The committee took up several education bills. HB 2395 would create a voluntary Arizona School Fitness Program in ADE to recognize schools that participate in nationally recognized fitness testing or events and allow the designation on school report cards. Supporters, including the sponsor and outside witnesses, argued it would encourage student activity and support the whole child; the bill passed with a 6-0 do pass recommendation. HB 2409, the Getting Arizona Ready for AI Act, would create a voluntary summer AI course program through ADE with curriculum on digital hygiene, civic integrity, and AI for small business/entrepreneurship, with optional facility use and academic credit. The sponsor said it was meant to prepare students for AI-driven job disruption without requiring new appropriations; it passed 4-2. HB 2203 would direct ADE to review public school and agency reporting requirements for duplicative, expired, or obsolete reports and recommend consolidation or repeal, and an amendment making a technical correction was adopted before the bill passed 6-0. HB 2008 would bar school libraries from using public money to pay dues to certain professional library associations; opponents from Secular AZ and the ACLU argued it was viewpoint discrimination and a threat to professional association rights, but the bill still received a do pass recommendation on a 6-0 vote, with one member explaining a no vote because the problem did not exist. The committee also heard HB 2075, which would require school districts to submit superintendent and CFO employment contracts to ADE, post them online, keep them available for five years after termination, and create a searchable database with compensation details. The Goldwater Institute supported the bill, citing difficulty obtaining contracts through public records requests and examples of very high superintendent compensation and opaque contract terms; the Arizona School Administrators opposed the bill as singling out districts while not applying to charters or other public-dollar schools, though they said they could support it if expanded to all schools receiving public funds. Members debated whether charters are political subdivisions and whether the bill should extend to charters and ESAs, and some discussion also focused on transparency and public records access. The bill ultimately received a 4-2 do pass recommendation.

Transcript Highlights:

• the Superintendent of Insurance.
• I'm the Life and Health Division Director at the Office of the Superintendent of Insurance, and we are
• The Office of the Superintendent of Insurance is the office which regulates Medicare supplement plans
• I'm the Life and Health Division Director at the Office of Superintendent of Insurance, and we stand
• Elizabeth Johnson on behalf of the Office of the Superintendent of Insurance and on behalf of our Insurance

Bills: SB101, SB21, HM52, HB132, SB14, SB20

Keywords: SB 101, Health Care Delivery and Access Act, repeal of repeal, sunset repeal, delayed repeal, health care, healthcare, access to care, medical services, provider regulation, state health law, New Mexico, SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation

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• Some kind of clawback.
• We're going to let the people of the state of Alabama decide.
• It'll be a constitutional amendment. ...of the state of Alabama.
• home of the. home of the brave.
• This is America; this is the land of the free, home of the brave.

Bills: HB141, HB161, HB231, HB67

Keywords: HB141, Alabama, state employees, salary deductions, payroll deduction, State Comptroller, membership dues, voluntary contributions, insurance premiums, financial instruments, employee associations, state payroll, Code of Alabama 1975, Section 36-1-4.3, public employees, union dues, benefits administration, payroll withholding, financial products, deferred compensation

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• That means they have to pay a surcharge and they have to provide the superintendent of insurance proof
• of financial responsibility. ...the superintendent of insurance proof of financial responsibility, and
• The doctor's company is a large insurer of doctors here.
• the availability and cost of insurance driving out most of these doctors?
• I’m still confused about how that affects the price of medical malpractice insurance overall.

Bills: HB99, HB49, HB164, SB30, SB43, SB50, SB136

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

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• . >> I'll take care of it.
• You got... >> You still have... a bunch of you. Okay, we have a quorum.
• We're seeing a tremendous amount of roll up in franchisors, that's owners of franchises being procured
• 05:42.320> owners<00:05:42.639> of up in franchiseors that's owners of up in franchiseors
• week in hours of operation. Burger King. week in hours of operation. Burger King.

Bills: HB418, SB138, SB215, HB418, SB138, SB215

Keywords: financial services, banking, insurance, debanking, social credit score, ESG, environmental, social, and governance, diversity, equity, and inclusion, DEI, religious freedom, free speech, viewpoint discrimination, political discrimination, firearms, gun industry, ammunition, fossil fuels, oil and gas, mining, timber

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• Because of the type of insurance and the additional burden of tail coverage, the cost of joining the
• What type of insurance will optometrists have to get additional insurance?
• What type of insurance will optometrists have to get additional insurance?
• What type of insurance will optometrists have to get additional insurance?
• And our malpractice insurance is one of the lowest rates that we pay per year of any health care professional

Bills: HB99, HJR5, HM39, HB206, HB213, SB41, SB153, SB165, SB261, SB264

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

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• Many of the major insurers of churches... insurers like Church Mutual, Brotherhood Mutual, and GuideOne
• cannot be a member of the insurance industry.
• Insurance coverage is, of course, important, but it also implies the creation of insurance codes for
• lack of access to health insurance.
• 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

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• solutions for reducing the high cost of windstorm insurance.
• I'm the treasurer of the Coastal Windstorm Insurance Coalition.
• We show you registered as Albert Betts, Executive Director of the Insurance Council of Texas.
• I represent the Insurance Council of Texas.
• The primary benefit of a group policy is the standardization of the insurance offering.

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

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• to reduce the cost of insurance to the consumer.
• options. of companies writing health insurance right now.
• Again, this is technical but important in terms of the overall stability of the insurance system. of
• overall availability of insurance in the marketplace.
• The Chair calls Reagan Elmer, Director of Governmental Affairs, Independent Insurance Agents of Texas

Bills: SB1642, SB1643, SB2530

Keywords: Texas Department of Insurance, commission appointments, insurance regulation, oversight, consumer advocacy, insurance rates, property insurance, commercial automobile insurance, rate approval, consumer protection, windstorm insurance, Texas Windstorm Insurance Association, administrative penalties, coastal counties, 1184, house, all

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• She is her last name, and she's the Director of Health and Life Insurance at the OSI.
• The AHIP, the American Health Insurance Plans or Association of, I don't know which it is, they had given
• and their doctors, and one of them was doing some reporting more to the insurance companies, and they
• I think that's where some of the rub from the insurance companies is; they want to verify that themselves
• The FIR, it says here, fear of disclosure of this type of information may pose risk of discrimination

Bills: SB20, SB111, SB211, SB218, SB14

Keywords: prior authorization, pharmacy benefits manager, PBM, health insurer, prescription drugs, step therapy, formulary, auto-adjudication, electronic portal, appeals, medical necessity, serious mental illness, mental health, schizophrenia, bipolar disorder, major depression, substance use disorder, addiction treatment, cancer, autoimmune disorder

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• I'm the Life and Health Division Director at the Office of Superintendent of Insurance, and I've had
• of state.
• the heart of it.
• , and one of them died and one of them overdosed.
• I parked right up, didn't I have a lot of energy all of a sudden.

Bills: HB99, HB38, HB165, HB127, HB72, HB151, SB40, SB104, SB136, SB164

Keywords: medical malpractice, malpractice reform, patient's compensation fund, PCF, health care liability, tort reform, damage caps, punitive damages, hospital liability, physician liability, nurse practitioner, certified nurse-midwife, outpatient facility, ambulatory surgical center, urgent care, free-standing emergency room, insurance surcharge, superintendent of insurance, New Mexico hospitals, medical review process

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• The chair has read the journal of the preceding day and approves the same.
• There are some guests in the gallery from Christian Homeschoolers of Hawaii.
• gallery from Christian Homeschoolers of gallery from Christian Homeschoolers of Hawaii.<00:01:39.439
• on, and then a uh, fellow constituent of on, and then a uh, fellow constituent of the<00:02:32.800
• <00:02:33.920> the the Winward side and member of the the Winward side and member of the Kaneoh

Bills: SB2043, SB2044, SB2004, SB2143, SB2411, SB2455, SB2519, SB2661, SB2665, SB2731, SB2737, SB2767, SB2794, SB2830, SB3334

Keywords: insurance, captives, examination, regulations, policyholders, dormant captive, tax exemption, Hawaii revised statutes, financial reporting, outdoor advertising, billboards, public safety, penalties, community pollution, elections, chief election officer, vacancy, order of succession, election commission, campaign finance

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• Up next, we're gonna call him out of the bullpen for this. One is Senate Bill 378.
• And to be honest, I'm just tired of all the lies.
• If that's important to you, I'd start looking at the source of the information.
• of State Chamber.
• Senate Bill 1920 is a government modernization of the bill that modernizes the Oklahoma Insurance law

Bills: SB1684, SB1443, SB1447, SB378, SB1920

Keywords: SB1684, Oklahoma Highway Remediation and Cleanup Services Act, highway cleanup, roadway remediation, tow truck, wrecker service, liability insurance, DEQ, Department of Environmental Quality, motor vehicles, licensing, public safety, cleanup operators, roadside services, commercial towing, insurance requirement, license fee, revocation, suspension, Turnpike Authority

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• Insurance wanted him to pay $50, but out-of-pocket it would have been $18.
• us could save money with all of our insurance plans.
• in a variety of insurance products.
• Explanation of the bill. I am with the Texas Association of Public Insurance Adjusters.
• Association of Public Insurance Adjusters President for 2025, and we are absolutely in support of Ms.

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Due to the number of witnesses we have registered, we will hold to a strict limit of 2 minutes per witness
• Members, healthcare provider insurance credentialing is a process by which insurers validate the qualifications
• The Texas Department of Insurance requires an insurer to determine a provider's eligibility within 90
• I'm here in support of House Bill 1642 on behalf of myself and the Texas Chiropractic Association.
• With that, I ask for your favorable consideration of this.

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• It's all of Chapter 559 of the insurance code.
• I am licensed by the Texas Department of Insurance and other state departments of insurance as a public
• Insured, there is the insured under the policy, so the insurer needs to work with the actual driver of
• It shifts the duties of both the insurer and the insured.
• They sell risk-full insurance to the tune of hundreds of millions of dollars.

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:

• But Congress is recommending the adoption of the National Association of Insurance Commissioners group
• As a reminder, the NAIC, or the National Association of Insurance Commissioners, is an organization made
• , like internet providers and other aspects of insurance.
• Chair, Chair Hur, members of the committee, for the record, Aaron Cocking, Insurance Federation of Minnesota
• Number one, most people outside of those of us that would consider ourselves insurance nerds are not

Bills: HF2601, HF2607, HF2027, HF2608

Keywords: financial institutions, insurance regulation, insurance holding company, group capital calculation, liquidity stress test, NAIC, National Association of Insurance Commissioners, insurer solvency, affiliate transactions, groupwide supervision, internationally active insurance group, lead state commissioner, policyholder protection, hazardous financial condition, deposit or bond, contract for deed, conventional loan, cooperative apartment loan, mortgage interest rate cap, average prime offer rate

Transcript Highlights:

• at two types of auto insurance and two types of homeowners insurance to see whether or not Credit scores
• They had eight times the rate of the average Texan of facing tickets, and the cost of insurance for people
• They found that less than 15% of auto and home insureds actually paid more. ...because of the use of
• And the rest of it is insured, less than 20%.
• Our primary concerns are the cost of insurance as well as the cost of litigation.

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

Transcript Highlights:

• Different insurers have different policies of when they update it.
• And the insurance provider was going to adjust rates because of that?
• The burden of increasing insurance costs should not be made worse.
• For some insurers, there's a 31% boost in the cost of insurance moving forward after the death of a spouse
• Thank you, members of the House Committee on Insurance.

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