Video & Transcript DataContr Research : 'insurance deductibles'
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TX
Texas 2025 - 89th Regular
Trade, Workforce & Economic Development Apr 2nd, 2025 at 08:00 am
House Trade, Workforce & Economic Development Committee
Transcript Highlights:
- The intention is to encourage them to obtain renter's flood insurance, keeping in mind that renter's
- flood insurance is normally different from standard renter's insurance.
- These three employment services help people find employment, graduate from unemployment insurance, and
- Eric Holland with the Texas Workforce Commission, I'm the insurance director.
- Texas has already recognized that the sale of insurance should be exempted from this law, and HB 3466
Keywords:
science park district, economic development, technology innovation, higher education collaboration, infrastructure development, Texas Economic Development Office, workforce development, unemployment benefits, state average unemployment rate, benefit year, economic support, Texas Workforce Commission, property owners' association, free speech, assembly rights, government officials, political candidates, floodplain, landlord, tenant
Summary:
The meeting convened to discuss HB2214, a bill aimed at clarifying notification requirements regarding flood risks for tenants. Chairman Wallace articulated the bill's intent, discussing how it adjusts previous legislation to alleviate duplicative notifications for temporary leases or short-term rentals. The committee engaged in vibrant dialogue about the implications of this legislation, with representatives expressing support and raising questions about its implementation and effectiveness. Public testimony included insights from realtors and stakeholders, which highlighted the balance between tenant rights and landlord responsibilities in the wake of flood events.
TX
Transcript Highlights:
- It's the Department of Insurance and TDI that are updating their legacy...
- I serve as the Commissioner of Insurance.
- insurance markets.
- Across all lines of insurance, TDI regulates more than 2,500 insurance companies and licenses more than
- Next, we have the Office of Public Insurance Counsel, LBB presentation.
Bills:
SB1
Keywords:
appropriations, budget, state funding, education, healthcare, infrastructure, budget recommendations, Department of Licensing and Regulation, Texas Funeral Service Commission, anti-trafficking, whole body donation program
Summary:
The meeting covered significant budget recommendations for the Department of Licensing and Regulation (TDLR) and the Texas Funeral Service Commission, focusing on their proposed changes and the implications of the funding adjustments. Blake Paul from TDLR presented a comprehensive overview including a $23.1 million net decrease in their budget and a significant push for anti-trafficking efforts, which received positive feedback. Additionally, discussions on the whole body donation program highlighted increased funding to facilitate its transition following the recent legislative changes. The committee members engaged actively, debating the sufficiency of the proposed budgets and their impact on ongoing initiatives.
TX
Texas 2025 - 89th Regular
Health and Human Services (Part II) Mar 5th, 2025
Transcript Highlights:
- Patients too often face confusing disputes with insurance carriers over ambulance services, which are
- Because they are very different versus driving everybody to insurance carriers.
For the last 10 years, the cost of health insurance
- It will save the employer money in providing health insurance. We're trying to drive down the cost.
- I'm not sure that the employer-sponsored insurance.
Keywords:
Senate Bill 513, Senate Bill 916, Senate Bill 1122, healthcare transparency, child welfare, pharmacy benefit managers, community engagement
Summary:
The meeting of the committee witnessed significant discussions surrounding several Senate Bills aimed at healthcare and child welfare. Notably, Senate Bill 916, presented by multiple representatives, garnered positive testimonials from various stakeholders including emergency medical service leaders who emphasized the bill's potential to promote transparent billing practices, thereby reducing the financial burden on patients. The committee also heard extensive testimony supporting Senate Bill 1122, which aims to regulate pharmacy benefit managers to ensure that cancer patients are not forced into medication access issues. Stakeholders argued for and against the bill, suggesting that it may raise healthcare costs for Texas businesses in the long run, eliciting a vigorous debate.
US
Us Congress 2025-2026 Regular Session
Business meeting to consider the nomination of Mehmet Oz, of Pennsylvania, to be Administrator of the Centers for Medicare and Medicaid Services. Mar 25th, 2025 at 08:30 am
Senate Finance Committee
Transcript Highlights:
Our investigation found that too many for-profit insurance
For-profit insurance companies spend five times more on
Insurance companies and these marketing middlemen have
For-profit insurance companies spend five times more on
- Today, she gets her health insurance through her employer.
Keywords:
Social Security, Medicaid, Frank Bisignano, Elon Musk, benefit processing, office closures, public testimony, administration policies, health care, vulnerable populations
Summary:
The committee meeting focused heavily on the nomination of Frank Bisignano as the Commissioner of the Social Security Administration, with intense discussions around the current state of Social Security and its management under the current administration. Members voiced significant concerns regarding potential changes to Social Security and Medicaid, specifically addressing issues such as office closures, delays in benefit processing, and the perceived policies from Elon Musk's association with the administration. Public testimonies highlighted fears that these changes would severely impact the accessibility of benefits for seniors and vulnerable individuals, resulting in a chaotic environment at the SSA. Members expressed a unified opposition to the notion of dismantling these critical programs, emphasizing the long-term implications on their constituents' well-being.
TX
Transcript Highlights:
- Insurance costs are increasing.
- Insurance availability is shrinking in almost every sector of the economy.
- In the last four years, insurance costs have increased for us by 71%.
- Do not whip out your insurance card, period.
- , your health insurance policy.
Keywords:
gambling, criminal offenses, penalties, defense, electronic devices, tobacco advertising, youth protection, public health, criminal offense, retailer regulation, e-cigarettes, nicotine products, health, public safety, regulation, e-cigarettes, advertising restrictions, public health, youth protection, health and safety
Summary:
The meeting of the Senate Committee on State Affairs featured intense discussions centered around the regulation of tobacco and e-cigarette products, with a particular focus on protecting minors from harmful marketing practices. Senators presented various bills addressing the marketing of these products, which included SB1313, SB1314, and SB1316. Senator Cook laid out SB1313, aimed at prohibiting deceptive marketing techniques that entice minors, alongside testimony from concerned parents advocating for stronger regulations against smoke shops near schools. The committee also examined the App Store Accountability Act, led by Senator Paxson, which aims to ensure age verification for app downloads and hold app stores accountable for protecting minors online. Public testimony played a crucial role in the discussion, with parents and experts weighing in on the necessity of stringent regulations to safeguard youth from exploitation by marketers of addictive products.
TX
Texas 2025 - 89th Regular
Land & Resource Management May 1st, 2025 at 08:05 am
House Land & Resource Management Committee
Transcript Highlights:
- These updated codes would also likely lead to reduced insurance premiums.
- In the insurance committee, we talked about lowering insurance rates.
- have to go to the 2018 code to get that wind insurance.
- us with wind insurance to raise this.
- They introduce long-term cost savings and reduced insurance risks.
Bills:
HB407, HB871, HB882, HB2011, HB3572, HB3578, HB4038, HB4866, HB4897, HB4978, HB5380, HB5555, HB5668, HB5670, HB5674, HB5676, HB5679, HB5688, SB673
Keywords:
solar energy, residential construction, building code, municipal regulations, energy compliance, solar energy, building codes, residential construction, interconnection, municipal regulations, education, funding, teacher support, student resources, school infrastructure, solar energy, residential construction, building code, municipal requirements, environmental sustainability
Summary:
The meeting of the committee involved in-depth discussions on various bills aimed at addressing community needs and rights pertaining to land use and environmental management. Notably, House Bill 2011 proposed a framework for original property owners to repurchase their land under specific conditions when property taxes are not paid by the acquiring entity. Representative Bell articulated concerns regarding the rights of owners affected by eminent domain, engaging with public testimony on the bill's implications. House Bill 5380, presented by Representative Wally, focused on improving access to parkland and green spaces in unincorporated areas, allowing counties to set criteria for parkland dedication, which sparked debates about urban versus rural development considerations and community planning.
TX
Texas 2025 - 89th Regular
89th Legislative Session Mar 12th, 2025 at 10:00 am
Texas House Floor Meeting
Transcript Highlights:
- "3960">HB 1641 by Muñoz relates to the use of extrapolation claims, referred to the Committee on Insurance
- The issue was referred to the Committee on Insurance.
- span> HB 1649 by Kane relates to the availability of certain insurance
- from self-insurance trusts or health care liability claims, referred to the Committee on Insurance.
- to select a physician graduate under the insurer's health insurance policy requiring an occupational
Summary:
The meeting of the committee addressed a broad range of topics with significant attention paid to HB1554 and HB1569. HB1554, presented by Caprigliano, involved discussions on the authority of political subdivisions to utilize public funds for legal services for unlawfully present individuals, which stirred a debate among committee members regarding state resources and responsibilities. In contrast, HB1569, which concerns prohibitive measures on non-consensual medical procedures for minors with intersex traits, generated compelling testimony from advocacy groups and health professionals, stressing the bill’s implications on patient rights and medical ethics. Overall, the committee dedicated time to hearing from both proponents and opponents of these bills, ensuring a thorough examination of the issues at hand.
TX
Transcript Highlights:
Insurance, we do know that property insurance costs
- are really, I mean they're just going up, and the options of insurance companies to use are limited.
- the insurance companies, but it is a crisis.
- I own one commercial building, and my insurance rate in 2023 was $42,000. In 2024, it was $109,000.
- , but yet they have a mortgage, they have to have insurance.
Keywords:
utility regulation, Thomas Gleason, ERCOT, HB1500, public utility communication, infrastructure resilience, disaster preparedness
Summary:
The committee meeting, focused primarily on the ongoing regulatory reforms following the recent weather-related crises, commenced with the introduction of Thomas Gleason as the new Chairman of the Public Utility Commission of Texas. The Chairman emphasized the need for resilience and proactive measures to improve infrastructure and communications among utility companies, especially in light of recent disasters that impacted service delivery. High-level discussions revolved around HB1500, which mandates stronger oversight and accountability mechanisms for ERCOT, pushing the commission to enhance its monitoring capacity. Several topics of concern, including vegetation management and cost distribution among consumers, were highlighted as priorities moving forward.
TX
Texas 2025 - 89th 2nd C.S.
Disaster Preparedness & Flooding, Select Aug 22nd, 2025 at 08:08 am
House Disaster Preparedness & Flooding, Select Committee
Transcript Highlights:
- coverage other than flood insurance at the time, and the insurer or FEMA...
- It would basically allow, if your insurance or FEMA didn't assist in the...
- over the last few years in home insurance, so it's becoming...
- We have home insurance and NFIP flood insurance, which is
- My son had insurance on his car, but the insurance for his car does not cover replacement.
Keywords:
disaster relief, grant program, loan program, infrastructure, recovery, Texas Division of Emergency Management, building standards, youth camps, floodplains, safety regulations, environmental policies, flood risk, campground, safety regulations, civil penalty, guest safety, county regulation, impervious cover, land use, unincorporated areas
Summary:
The committee meeting addressed multiple bills related to emergency preparedness and flood prevention, with significant discussions on HB48, SB3, and HB75. Representative Darby opened the meeting by advocating for the creation of a nine-member alert notification system to address public saturation with emergency alerts and to streamline the notification process by evaluating the effectiveness and coordination of existing systems. Testimonies from various stakeholders underscored the necessity of reducing alert fatigue among residents while enhancing the state’s overall readiness for impending natural disasters. The meeting featured robust support for HB75, aimed at establishing stricter safety standards for youth camps located in flood-prone areas following recent tragic flooding incidents that highlighted the urgent need for improved safety measures.
TX
Texas 2025 - 89th Regular
Trade, Workforce & Economic Developent Apr 30th, 2025 at 10:04 am
Transcript Highlights:
- marker="31" data-time="180"> It may be used for construction; the builder or developer must obtain insurance
- or a surety bond from an insurer licensed in Texas, covering 100% of the deposits used for construction
- by the home builder for construction of a home, and there is no requirement for a surety bond or insurance
- Only the best projects and the most creditworthy developers will be able to qualify for surety insurance
- insurance policy.
Keywords:
squatting, property rights, eviction process, housing availability, condominium development, escrow deposits, Committee on Trade, Trade, Workforce, and Economic Development
Summary:
The meeting of the Committee on Trade, Workforce, and Economic Development featured critical discussions surrounding several proposed bills, including SB1333, HB4876, and HB5567. Notably, the committee focused on issues related to property rights and squatting, with testimony emphasizing the urgent need for legislation to streamline the eviction process for squatters. Several witnesses, including representatives from various organizations, voiced strong support for SB1333, arguing that the current legal remedies are inadequate and contribute to escalating property disputes and community issues. Meanwhile, HB4876 aimed to address housing availability by allowing the use of escrow deposits for construction, which supporters believe will facilitate condominium development and ease the housing crisis in Texas. Finally, the committee adjourned after leaving several bills pending for further discussion, indicating the complexity and importance of these legislative efforts.
TX
Transcript Highlights:
- I think a study on the impact of insurance costs for our schools and really for our families and for
- is trying to figure out what to do about insurance costs.
- Yes, we have an insurance commissioner, but there are not a lot of teeth in that position.
- and then of course, you know, costs associated with health insurance and everything.
- Construction costs have gone up exponentially because of labor, insurance, and material costs.
Bills:
HB2
Keywords:
public education, teacher compensation, certification, funding, school finance, educator rights, education funding, charter schools, staff compensation, state aid, retention allotment, HB2, public education, special education funding, pre-K eligibility, teacher compensation
Summary:
The meeting focused prominently on the discussions surrounding HB2, which entails significant investments in public education and aims to reform funding mechanisms to better support students and teachers. Multiple stakeholders, including educators and policymakers, conveyed their support while also voicing concerns about the bill's potential shortcomings. Witnesses discussed the urgent need for increased funding for special education and the necessity of expanding pre-K eligibility for students with disabilities. The testimony highlighted the historical context of the funding model and emphasized the importance of creating equitable solutions for all public school districts.
TX
Texas 2025 - 89th Regular
89th Legislative Session Mar 7th, 2025 at 02:00 pm
Texas House Floor Meeting
Transcript Highlights:
- covered by certain health benefit plans provided by a pharmacist, is referred to the Committee on Insurance
HB 1041 by Turner, relating to the insurable interests
- health benefit plan coverage for treatment of chemical dependency, is referred to the Committee on Insurance
- with the originating or distant site located outside of the state, is referred to the Committee on Insurance
- period for newborns under certain employer health benefit plans, is referred to the Committee on Insurance
Keywords:
legislation, public safety, education, witnesses, confidentiality, economic development, marriage license
Summary:
The committee meeting was robust, focusing on a wide array of bills that addressed various issues including education, public safety, and economic development. Members took turns presenting and questioning several proposed laws, with active participation from both committee members and invited witnesses. Notably, HB1193 received critical attention as it aimed to reinforce the confidentiality of certain information on marriage licenses, drawing significant debate about privacy and transparency. Witnesses presented their supports and concerns, leading to a rich dialogue about the balance between public knowledge and personal rights.
TX
Transcript Highlights:
- Unemployment insurance is not a victimless crime.
- It's wasteful to have fraud in unemployment insurance.
Unemployment insurance hadn't really been a target
- They can actually receive unemployment insurance, right?
- This is the People's Social Insurance Program.
Keywords:
monuments, memorials, public property, historical significance, civil penalties, local governance, project financing zone, municipal tax revenue, convention centers, multipurpose arenas, infrastructure development, hike and bike trails, outdoor recreation, environmental stewardship, Bicentennial Trail, Texas history, cultural heritage, unemployment benefits, eligibility, Texas Workforce Commission
Summary:
The meeting was marked by an extensive discussion of several bills aimed at enhancing Texas' economic landscape and infrastructure. Notably, SB2925 focused on modernizing the state's manufacturing sector by promoting automation and digital technology, which received strong support from industry representatives, emphasizing its potential job growth impact. Public testimonies reflected a consensus on the need for Texas to lead in innovation to remain competitive in the manufacturing arena. Furthermore, SB1520, which seeks to create the Texas Bicentennial Trail, also garnered significant support, particularly for its vision of connecting historical sites across Texas without resorting to private property condemnation. The committee faced a good turnout of stakeholders, which added depth to the discussions.
TX
Texas 2025 - 89th Regular
Business and Commerce May 22nd, 2025
Transcript Highlights:
- We are an insurance distribution firm. We...
- ...deliver tailored insurance and risk advisory solutions
- On the one hand, the insured is our client.
- On the other hand, the insurance carrier is our trading partner.
- Chairman, this should also result in the lowering of rates for eligible insureds by allowing them to
Keywords:
House Bill 5247, HCR 102, capital cost recovery, nuclear energy, legislative testimony, Senator Campbell
Summary:
The meeting was characterized by a thorough examination of various bills, with particular focus on House Bill 5247, which dealt with capital cost recovery mechanisms for utilities and featured discussions on its implications for consumers. Senator Campbell presented the bill, emphasizing its balanced approach and necessity for clarity in existing utility provisions. Multiple members expressed support, leading to a unanimous vote for its approval, showcasing a collaborative atmosphere within the committee. Additionally, HCR 102 was highlighted, which sought to call attention to the importance of federal tax credits for sustaining and expanding nuclear energy in Texas. The testimony from industry experts reinforced the bill's significance as Texas seeks to maintain its leadership in energy production amidst rising demands and competitive pressures from international markets.
TX
Texas 2025 - 89th Regular
Health and Human Services May 23rd, 2025
Transcript Highlights:
- What about insurance coverage? Was it mentioned?
- This bill doesn't provide or deal with the issue of insurance coverage.
- We can go to the agency as we could be the second payer if we need to, if they're claiming it on insurance
- Oversight has since shifted to the Department of Insurance, which now manages them through grant oversight
- subsidizing commercial insurance costs instead of providing
Keywords:
health care, HIV testing, STD screenings, children's safety, intellectual disabilities, employee protections, legislative measures
Summary:
The meeting of the Health and Human Services Committee covered a variety of bills primarily focused on health care service enhancements and legal protections for employees. A notable discussion surrounded HB50, which aims to integrate HIV testing into routine STD screenings, a topic that received unanimous backing due to its potential to reduce the transmission of the virus. There was also significant dialogue around HB2399, which requires courts to provide detailed findings when making safety determinations regarding children's placements, further ensuring transparency and clarity in decision-making processes. The committee deliberated on various aspects of health care accessibility, particularly regarding individuals with intellectual and developmental disabilities, as well as legislative measures to protect family services workers from damages caused in the line of duty. The session was characterized by thoughtful engagement from committee members and testimonies from various stakeholders.
TX
Texas 2025 - 89th Regular
Judiciary & Civil Jurisprudence Apr 23rd, 2025 at 08:04 am
House Judiciary & Civil Jurisprudence Committee
Transcript Highlights:
- We're getting controverting affidavits even on health insurance.
- Recently, obtaining insurance has become extremely expensive over the years.
- Our insurance policy from 2022 cost us $24,800.
- Currently, we hold general liability insurance that covers our race events.
- In 2024, our insurance premiums were just around $11,000.
Bills:
HB2242, HB2446, HB2799, HB4502, HB2920, HB2790, HB5620, HB5060, HB5076, HB5080, HB5081, HB5128, HB5130, HB3847, HB5116, HB2969, HB4546, HB4202, HB5624, HB3964, HB4803, HB872, HB4775, HB4777, HB4961, HB5570, HB2988, HB4260, HB1375, HB5009, HB5411, HB5134, HB4388, HB3095, HB1387
Keywords:
constables, civil rights, local government, law enforcement, policy-making authority, affidavit, medical bills, civil actions, reasonable charges, healthcare services, judicial statistics, court performance, family law, civil cases, efficiency reporting, court security, emergency management, harassment penalties, judicial safety, court committee
Summary:
During this meeting of the legislative committee, significant discussions took place regarding various bills, including those focused on judge and courthouse security, construction defect lawsuits, and carbon capture legislation. A notable highlight was the presentation of HB4502, where representatives expressed urgency to address concerns surrounding harassment of judges and court staff, citing incidents that had raised alarms about their safety. The proposed changes aim to enhance the judicial security framework and rectify loopholes that currently hinder effective legal recourse for court personnel. Several witnesses provided testimony both in support and in opposition to the discussed bills, emphasizing the diverse perspectives and concerns surrounding each piece of legislation.
Another key discussion involved HB2790, which aims to establish a comprehensive legal framework for carbon capture and storage, addressing the balance between promoting technological advancement and protecting property rights. Stakeholders, including landowners and industry representatives, presented contrasting views on the implications of the bill, highlighting the ongoing debate about environmental responsibilities versus economic development needs. The meeting concluded with several bills left pending, showcasing the committee's commitment to thorough deliberation and stakeholder engagement in legislative processes.
TX
Transcript Highlights:
- Berry, you of all people, we've had so many talks about our insurance crisis and homeowner premiums
- We've got a lot of insurance work we need to do in this state.
- There's another fund that goes into GR that is based on insurance, but it's not on homeowner's premium
- I'm Albert Betts, Executive Director of the Insurance Council of Texas.
- was appropriate, the insurers would have to collect through
Keywords:
Texas Future Fund, investment review board, economic stabilization, innovative technology, national defense, traffic fines, revenue distribution, general revenue fund, trauma facilities, emergency services, Texas mobility fund, crime victims, compensation, emergency awards, criminal justice, financial relief, claims, judgments, appropriations, general revenue
Summary:
During this meeting, the committee engaged in detailed discussions surrounding various legislative proposals, notably focusing on HB2054 and HB4601. HB2054 was discussed in the context of addressing financial support for victims' families during declared emergencies, removing existing procedural barriers. Representative Manuel presented HB4601, which aims to assist Texas veterans in purchasing affordable housing by creating a down payment assistance program financed through a dedicated tax fund. This program is essential to simplify homeownership for veterans facing financial challenges in the current housing market.
TX
Texas 2025 - 89th Regular
Judiciary & Civil Jurisprudence Mar 19th, 2025 at 10:30 am
House Judiciary & Civil Jurisprudence Committee
Transcript Highlights:
- They're trying to invoke insurance policies and are trying to invoke deep pockets.
- When they succeed in invoking insurance policies, that's great, all of our insurance rates shoot up,
- my insurance doubled.
- My insurance was already costly and...
- In some cases, our insurance company.
Keywords:
civil liability, self-defense, force, deadly force, legal immunity, attorney's fees, criminal justice, firearms, liability, veterans, gun ownership, immunity, firearm hold agreement, civil liability, sexual abuse, nondisclosure, confidentiality, public policy, Trey's Law, parental rights
Summary:
The meeting of the committee focused on various legislative proposals, with significant discussions surrounding bills aimed at enhancing legal protections for citizens and jury privacy. Notably, House Bill 1110, presented by Chairman Shaheen, addresses safeguards for citizens reporting suspicious activities, ensuring they are protected from legal repercussions when acting in good faith. There was unanimous support for HB 349, which relates to civil liabilities associated with removing individuals from vehicles, illustrating the committee's commitment to providing social protections amid rising concerns around public safety.