Insurance

FY2026 NDAA; H.R.3148 - SALUTE Act: To direct the Secretary of Defense to carry out a pilot program to assist certain members of the Armed Forces and dependents with additional supplemental coverage relating to cancer.

AHEAD waiver

Wildfire Insurance

Health insurance.

H.R.643 - To eliminate the Federal Insurance Office of the Department of the Treasury, and for other purposes. (Troy Downing, R-MT-2) H.R.654 - To change the Bureau of Consumer Financial Protection into an independent agency named the Consumer Financial Empowerment Agency, to transition the Agency to the regular appropriations process, and for other purposes. (Andy Barr, R-KY-6) H.R.731 - To exempt hazardous fuel reduction activities from certain environmental requirements for a 10-year period. (Darrell Issa, R-CA-48) H.R.732 - To require the Administrator of the Federal Emergency Management Agency and the Secretary of Housing and Urban Development to implement certain recommendations made by the Comptroller General with respect to disaster recovery, and for other purposes. (Sara Jacobs, D-CA-51) H.R.736 - To amend title 31, United States Code, to modify the deadline for filing beneficial ownership information reports for reporting companies formed or registered before January 1, 2024. (Zach Nunn, R-IA-3) H.R.743 - To reform and enhance the pay and benefits of Federal wildland firefighters, and for other purposes. (Joe Neguse, D-CO-2) H.R.744 - To amend section 324 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act to incentivize States, Indian Tribes, and Territories to close disaster recovery projects by authorizing the use of excess funds for management costs for other disaster recovery projects. (Neguse) H.R.753 - To direct the Administrator of the National Oceanic and Atmospheric Administration to maintain a program that improves wildfire forecasting and detection, and for other purposes. (Judy Chu, D-CA-28) H.R.807 - To direct the Secretary of the Treasury to submit a report on coordination in the public and private sectors in responding to ransomware attacks on financial institutions, and for other purposes. (Zach Nunn, R-IA-3) H.R.827 - To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (Frederica Wilson, D-FL-24) H.R.834 - To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to provide assistance for common interest communities, condominiums, and housing cooperatives damaged by a major disaster, and for other purposes. (David Rouzer, R-NC-7) H.R.836 - Emergency Wildfire Fighting Technology Act of 2025 (David Valadao, R-CA-22) H.R.900 - To direct the Director of the United States Geological Survey to establish a program to map zones that are at greater risk of sinkhole formation, and for other purposes. (Darren Soto, D-FL-9) H.R.948 - To amend the Internal Revenue Code of 1986 to provide a refundable credit against tax for wildfire mitigation expenditures. (Kevin Kiley, R-CA-3) H.R.956 - To amend the Wildfire Suppression Aircraft Transfer Act of 1996 to reauthorize the sale by the Department of Defense of aircraft and parts for wildfire suppression purposes, and for other purposes. (Dan Newhouse, R-WA-4) S.245 - A bill to require the Assistant Secretary of Commerce for Communications and Information to establish a working group on cyber insurance, to require dissemination of informative resources for issuers and customers of cyber insurance, and for other purposes. (John Hickenlooper, D-CO) S.252 - A bill to increase access to agency guidance documents. (Ron Johnson, R-WI) S.258 - A bill to improve forecasting and understanding of tornadoes and other hazardous weather, and for other purposes. (Roger Wicker, R-MS)

Health insurance issues

H.R.1397/S.1164 -- Increasing Access to Dental Insurance Act Issue -- ERISA E-Delivery for Health and Welfare Benefit Plans H.R.3758 -- Workers Disability Benefits Parity Act of 2025 Issue -- Medical Stop-Loss H.R.2571 -- Self-Insurance Protection Act S.2210 -- Unlocking Benefits for Independent Workers Act H.R.1320 -- To ensure that the provision of portable benefits to an individual is not considered in determining whether such individual is an employee of a person. H.R.6703 -- Lower Health Care Premiums for All Americans Act H.R.1521 -- Dental and Optometric Care Access (DOC Access) Act Issue -- Paid Family and Medical Leave

General issues related to the regulation of insurance and retirement products including pension risk transfers.

Supported the Accelerating Kids' Access to Care Act Opposed the One Big Beautiful Bill Act Supported the reintroduction of the Patient Access Act Filed Comments re: Urgent Consideration of Enhanced Premium Tax Credits (eAPTCs) Extension and Labor/HHS Appropriations Joined Coalition Comments Urging Congress to Find a Solution to Expiration of eAPTCs Joined Coalition Comments Re: Renewing Expiring Enhanced Premium Tax Credits (eAPTCs) Joined Coalition Comments to Administration Officials Regarding Junk Insurance Plans Marketplace Integrity and Affordability Rule

The Reducing Medically Unnecessary Delays in Care Act (H.R. 2433) would require all Medicare plans to have only medically necessary prior authorization policies for both prescription drugs and services. It also requires all appeals and peer-to-peers be conducted by a doctor in the same specialty as the patients condition.

Advocate on issues related to regulatory policy, housing finance systems, and mortgage insurance.

Matters related to self-insurance, stop-loss insurance and captive insurance. Issues related to surprise billing and health care price transparency Implementation of surprise billing and health transparency provisions contained in the Consolidated Appropriations Act of 2021. Implementation of surprise billing and health transparency provisions contained in the No Surprises Act. General issues related to dialysis treatment. Issues related to ERISA

Issues related to brokering of insurance products and services, including credit risk transfer.

Issues related to insurance. To promote, protect, and advocate for the title insurance industry and ALTAs membership

ACA, Medicare Advantage

-General interest in covered agreements. -International discussions on appropriate standards for insurers. -General interest in autonomous vehicle policy. -International Association of Insurance Supervisors (IAIS) development of an Insurance Capital Standard (ICS) including Federal Reserve Board and US Treasury and Federal Insurance Office participation. -General interest in data privacy. -Issues related to flood insurance. -Issues related to non-driving underwriting factors. -Community Disaster Resilience Zone Act. -Issues related to the Right to Equitable and Professional Auto Industry Repair Act, REPAIR Act, H.R. 1566. -Bills and issues relating to infrastructure, including: -HR 5089, the Weather Act Reauthorization of 2025 -HR 2907, Save BRIC Act -HR 4669, FEMA Act of 2025 -HR 2956, DISASTER Act of 2025

Advocated before Senate, House, and federal agencies for the interests of independent insurance agents selling flood insurance policies, including but not limited to National Flood Insurance Program (NFIP) policies; supported the reauthorization of the NFIP; expressed concern with a FEMA proposal to provide direct-to-consumer (D2C) online sales of NFIP policies; expressed concern about proposed FEMA guidance for sale and service of NFIP policies during future lapses in NFIP's Congressional authority (Appendix L of draft April 1, 2024 Flood Manual); discussed with FEMA enforcement of requirement that each NFIP policy have both agent and agency NPNs to be associated with them; Supported the repeal or reform of the Federal Insurance Office, including H.R. 643, the Federal Insurance Office Elimination Act; Supported S. 1015, a bill to extend the National Flood Insurance Program through December 31, 2026; Supported H.R. 1968, Full-Year Continuing Appropriations and Extensions Act, 2025. Began preparation of response to House Energy & Commerce Committee Request for Information; began preparation of response to FEMA Request for Information; communicated with FEMA regarding attendance at National Flood Association conference; prepared questions for new NFIP director's presentation at National Flood Association conference.

Insurance and Financial Services

Insurance and Financial Services

H.R. 1105 - the Disaster Resiliency and Coverage Act; The bill would incentivize and facilitate property mitigation and hardening efforts through tax incentives and grants to combat the rising costs of insurance. C.A.R. discussed increased costs and difficulty with obtaining homeowners insurance in California. C.A.R. discussed the impact of the government shutdown on the availability of flood insurance policies offered through the National Flood Insurance Program.

No Surprises Act implementation Eliminating prior authorization requirements in Medicare Advantage H.R. 2433-Reducing Unnecessary Medical Delays in Care Act of 2025, to ensure that prior authorization medical decisions under Medicare are determined by physicians. H.R. 3514-Improving Seniors Timely Access to Care Act of 2025, to improve and streamline prior authorization under Medicare Advantage Plans H.R. 4710-No Surprises Act Enforcement Act, to increase penalties for group health plans and health insurance issuers for practices that violate balance billing requirements. S. 1816-Improving Seniors Timely Access to Care Act of 2025, to improve and streamline prior authorization under Medicare Advantage Plans S. 2420- No Surprises Act Enforcement Act, to increase penalties for group health plans and health insurance issuers for practices that violate balance billing requirements.

Proposals regarding consumer financial protection and insurance products regulation.

Insurance-related issues that arise affecting Mortgage Insurance.

H.R. 5577NFIP Extension Act

H.R. 1 - One Big Beautiful Bill Act - Rep. Arrington, Jodey - Medicaid eligibility and state financing, Marketplace coverage and enrollment, Health Savings Account expansion, Pharmacy Benefit Manager financing and regulation H.R. 90 - Health Coverage Choice Act - Rep. Biggs, Andy - Duration of STLDHI plans H.R. 114 - Responsible Path to Full Obamacare Repeal Act - Rep. Biggs, Andy - ACA repeal H.R. 247 - Health Care Affordability Act - Rep. Underwood, Lauren - ACA tax credit extension H.R. 267 - Health Care Price Transparency Act - Rep. Davidson, Warren - Hospital and insurer transparency requirements H.R. 639 - Doctor Knows Best Act - Rep. Van Drew, Jefferson - Commercial market prior authorization H.R. 957 - Parity Enforcement Act - Rep. Norcross, Donald - Penalties for mental health parity violations H.R. 1385 - DOC Access Act - Rep. Carter, Earl Buddy - Rate setting for dental and optometric services H.R. 1397 - Increasing Access to Dental Insurance Act - Rep. Miller-Meeks, Mariannette - Standalone dental plans H.R. 1776 - New Health Options Act - Rep. Palmer, Gary - ACA reinsurance H.R. 2079 - Insurance Fraud Accountability Act - Rep. Ross, Deborah - fraudulent ACA enrollments H.R. 2199 - Restore Protections for Dialysis Patients Act - Rep. Kelly, Mike - ESRD coverage H.R. 2553 - Capping Prescription Costs Act - Rep. Horsford, Steven - Prescription cost-sharing H.R. 2554 - Lower Drug Costs for Families Act - Rep. Horsford, Steven - Commercial market drug rebates H.R. 2636 - Making Insulin Affordable for All Children Act - Rep. Landsman, Greg - Commercial market insulin cost-sharing H.R. 3020 - Addressing Anti-Competitive Health Care Contract Clauses Act - Rep. Spartz, Victoria - Study on anti-competitive contracting H.R. 3527 - Bridge to Medicaid Act - Rep. Sewell, Terri - ACA subsidies for non-Medicare expansion states H.R. 3701 - Family Vaccine Protection Act - Rep. Pallone, Frank - ACIP codification and vaccine coverage H.R. 4406 - State-Based Universal Health Care Act - Rep. Khanna, Ro - State-based universal health care H.R. 4710- No Surprises Act Enforcement Act - Rep. Murphy, Greg - Surprise billing penalties for noncompliance by health insurers H.R. 5145 - Bipartisan Premium Tax Credit Extension Act - Rep. Kiggans, Jennifer - Temporary extension of ACA enhanced premium tax credits H.R. 6171 - ACA Copay CAP Act of 2025 - Rep. Auchincloss, Jake - establish out of pocket limit on prescription drugs H.R. 6248 - Healthy Competition for Better Care Act - Rep. Arrington, Jodey - ban anticompetitive terms in contracts, promote higher quality, lower cost care H.R. 6703 - Lower Health Care Premiums for All Americans Act - Rep. Miller-Meeks, Mariannette - amend ERISA to lower premiums S. 46 - Health Care Affordability Act - Sen. Shaheen, Jeanne - ACA tax credit extension S. 729 - Hospital Transparency Compliance Enforcement Act - Sen. Kennedy, John - Hospital price transparency requirements S. 864 - HELP Copays Act - Sen. Marshall, Roger - Cost-sharing requirements S. 976 - Insurance Fraud Accountability Act - Sen. Wyden, Ron - fraudulent ACA enrollments S. 2355 - Patients Deserve Price Tags Act - Sen. Marshall, Roger - Hospital and insurer price transparency requirements S. 2420 - No Surprises Act Enforcement Act - Rep. Marshall, Roger - Surprise billing penalties for noncompliance by health insurers S. 2824 - A bill to amend the Internal Revenue Code of 1986 to extend the temporary enhanced premium tax credits - Sen. Murkowski, Lisa - Temporary extension of ACA enhanced premium tax credits Issues related to implementation rule implementing the No Surprises Act prohibiting surprise medical bills; transparency report requirements; parity in mental health benefits; ERISA preemption; paperless delivery for health plan disclosures; Unauthorized Enrollments/Unauthorized Plan Switching; ACA Tax Credits (Inflation Reduction Act); final rule on Section 1557 of the ACA and its impact on Medigap plans; ACA Marketplace Enrollment and Agents and Brokers; Vaccine Coverage; Preventative Services Coverage; the Advanced Explanation of Benefits; coverage of weight loss drugs; Transparency in Coverage; No Surprises Act; ACA Marketplace Integrity; ACA Enhanced Tax Credits; Prior Authorization; and health savings accounts.

General issues related to the insurance industry. Issues related to corporate governance. Cyber security issues as related to the insurance industry. Issues related to proxy advisor reform.

General financial services issues.

Issues related to the Independent Dispute Resolution (IDR) Process. Issues related to out-of-network services. Issues related to surprise medical billing and price transparency.

Matters relating to insurance regulations, government health programs, and taxation

Issues relating to the application of capital standards on globally active insurance companies; insurance ownership structures; diversity and inclusions.