Commerce Human Resources

MINUTES
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
DATE: Thursday, February 12, 2026
TIME: 1:30 P.M.
PLACE: Room WW54
MEMBERS
PRESENT:
Chairman Foreman, Vice Chairman Lenney, Senators Lakey, Guthrie, Nichols,
Bernt, Zito, Ward-Engelking, and Ruchti
ABSENT/
EXCUSED:
None
NOTE: The sign-in sheet, testimonies and other related materials will be retained with
the minutes in the committee's office until the end of the session and will then be
located on file with the minutes in the Legislative Services Library.
CONVENED: Chairman Foreman called the meeting of the Senate Commerce and Human
Resources Committee (Committee) to order at 1:30 p.m.
RS 23983 Relating to the Dietician Licensure Compact. Senator Cook explained Idaho
could join a Dietician Licensure Compact (Compact). He noted the Compact
had already been enacted in approximately 15 states and he listed several,
including Montana, Utah, South Dakota, North Dakota, Nebraska, Kansas,
and Oklahoma, among others. Senator Cook emphasized that the Compact
Commission would have had no authority over Idaho law. It would not have been
able to change Idaho's own licensing standards, nor would it have overridden
Idaho's sovereignty in setting those standards. He characterized it as a form of
the Compact that did not impose uniform standards on member states; thereby
preserving Idaho's control.
DISCUSSION: Senator Lakey said that this proposed legislation addressed his primary
concern with compacts generally - state sovereignty - and he had appreciated
the clarification that Idaho would not have ceded control of its standards.
MOTION: Senator Bernt moved to send RS 23983 to print. Senator Nichols seconded
the motion. The motion carried by voice vote.
S 1265 Petroleum Clean Water Trust Fund Act - Amends existing law by removing
outdated or unnecessary provisions related to the Petroleum Clean
Water Trust Fund. Senator Blaylock explained this was a code cleanup bill
connected to prior work under H 14, which the Legislature had passed the
previous year to support the Governor's effort to clean up and streamline Idaho's
rules. In this phase, the focus had shifted to cleaning up the ethical code.
Senator Blaylock highlighted the key elements. She noted the bill removed
outdated or completed provisions, including:
• Initial door structure (likely organizational/structural language no longer
needed); appointment sample provisions;
• original trust registration language, and
• initial distributions that had been completed in the 1990s.
These sections were no longer operative and had remained in code only as
obsolete remnants.

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MOTION: Senator Nichols moved to send S 1265 to the floor with a do pass
recommendation. Senator Bernt seconded the motion. The motion carried by
voice vote.
RS 33125 Relating to Qualifications for Occupational and Professional Licensing.
Senator Toews explained that this RS was aimed at ensuring that a homeschool
high school diploma would be legally recognized as equivalent to a standard high
school diploma or General Educational Development (GED) for the purposes of
obtaining professional and occupational licenses in Idaho.
Senator Toews made the following key points:
• The proposed legislation responded to practical issues that had arisen in
higher education and licensing, where homeschool graduates had sometimes
faced inconsistent treatment
• It would have aligned licensing treatment of homeschool diplomas with the
way they were already being treated in many university and higher-education
contexts, providing consistency across systems.
MOTION: Vice Chairman Lenney moved to send RS 33125 to print. Senator Lakey
seconded the motion. The motion carried by voice vote.
RS 33153 Relating to Consumer Protection of Veterans' Benefits. Senator Nichols
noted this proposed legislation established item-specific consumer protection
standards governing paid assistance to veterans seeking health benefits,
particularly to address deceptive or predatory practices by non-accredited claims
assistance services.
Senator Nichols detailed the proposed legislation would:
• Preserve a veteran's right to choose their assistance, while creating uniform
definitions and disclosure requirements for entities offering claim preparation
or representation.
• Prohibit upfront fees, instead, compensation would be:
1. Contingent on a successful outcome
2. Limited to a reasonable, one-time fee.
• Required clear disclosures, including a description of three assistance options
available to veterans.
Disclosures also included:
• Written consent from the veteran and,
• Protection of personal, financial, and health information
• Prohibited, misleading advertising
• Guarantees of specific benefit outcomes
• Direct solicitation of veterans
• Use of overseas call centers for this work
• List of overseas call centers for this work
• Use of medical professionals to improperly influence claims outcomes.
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Senator Nichols noted that there had been significant growth nationwide in paid,
non-accredited claims assistance targeting veterans, that other states (eight
in the past year) had already enacted similar protections, and that a national
compliance framework had been developed. Idaho lacked clear, Idaho-specific
guardrails and the proposed legislation was designed to fill that gap.
MOTION: Senator Bernt moved to send RS 33153 to print. Senator Guthrie seconded
the motion. The motion carried by voice vote.
MINUTES
APPROVAL:
Senator Nichols moved to approve the Minutes of February 3, 2026. Senator
Bernt seconded the motion. The motion carried by voice vote.
MINUTES
APPROVAL:
Senator Guthrie moved to approve the Minutes of February 5, 2026. Senator
Ward-Engelking seconded the motion. The motion carried by voice vote.
S 1261 Public Employee Retirement System of Idaho (PERSI) - Amends existing
law to provide for a retired member who is appointed to an elective public
office. Senator Lakey indicated there was concern expressed of the PERSI
retirement and reemployment rules for local officials, particularly those appointed
to fill vacancies in elected offices, such as sheriffs, clerks, and other county
officials. Senator Lakey explained that under current law, a PERSI retiree who
had been retired at least six months and then ran for and was elected to public
office, did not lose their existing PERSI retirement benefits when taking that
elected office.
Senator Lakey further stated if a person was appointed to fill a vacated elected
office (for example, when a sheriff or other official resigned mid-term and the
local party submitted three names to the county commissioners who then
appointed a replacement), the code did not clearly treat that appointee the same
way as someone elected after retirement.
Senator Lakey noted that S 1261 had clarified and extended the existing rule so
that a PERSI retiree appointed to fill such an elected vacancy would be treated
the same as if they had been elected. They would retain their existing PERSI
retirement benefits. They could serve in the appointed elected position without
forfeiting those benefits. The bill did not change the existing rule that someone
could not retire and then run again for the exact same office after six months to
take advantage of the system, since that prohibition remained in place.
TESTIMONY: Sheriff Chris Goetz, Clearwater County, testified in support of this bill. He
confirmed that the Idaho Sheriffs' Association, the Association of Counties,
the Association of Idaho Cities, and PERSI, supported or did not object to the
bill. He emphasized that an individual appointed to an elected office assumed
all the responsibilities and duties of that office and should be treated the same
as an elected official for PERSI purposes if they otherwise met the criteria.
Sheriff Goetz provided a practical example: he had been planning to retire
mid-term, and one potential appointee (a retiring deputy) could have been the
most qualified candidate. This bill would have ensured that such a retired PERSI
member would not be excluded from consideration simply because accepting
the appointment would otherwise risk their retirement benefits.
DISCUSSION: Vice Chairman Lenney questioned Sheriff Goetz whether this concept was
similar to prior legislation involving police chiefs. Sheriff Goetz clarified that the
earlier measure for police chiefs had dealt with a different subsection and a
different nuance. This bill was specifically focused on appointments to elected
office and how those appointments interacted with PERSI retirement status.
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MOTION: Senator Ward-Engelking moved to send S 1261 to the floor with a do pass
recommendation. Senator Ruchti seconded the motion. The motion carried by
voice vote.
S 1262 INSURER INVESTMENTS - Amends existing law to revise provisions
regarding miscellaneous insurer investments. Senator Guthrie had
framed the bill as a simple, industry-supported adjustment to provide additional
investment flexibility for Idaho-domiciled insurance companies. He had
emphasized that these investments were a critical part of an insurers' business
model. Investment returns formed an asset base that helped keep insurance
rates stable for policyholders. Senator Guthrie yielded his time to Jeff Niemeyer.
TESTIMONY: Jeff Niemeyer, Chief Administrative Officer, United Heritage Company, offered
a detailed explanation. He noted that Idaho Code, Title 41, Chapter 7 governed
investments by Idaho domestic insurance companies, setting guidelines,
allowances, and restrictions. Idaho Code § 41-735 functioned as a catch-all
provision, covering miscellaneous investments not otherwise specifically
addressed or prohibited in the code. He noted that under existing Idaho Code, §
41-735 contained a "lesser of" a standard for the cap on such miscellaneous
investments, which had been confusing and unnecessarily restrictive for Idaho
insurers.
Mr. Niemeyer explained S 1262 had proposed to replace the existing ambiguous
cap with a clear allowance of up to 10 percent of an insurer's assets for these
miscellaneous investments. This bill aligned Idaho's allowance to the standards
used in several other states, thereby enhancing competitiveness and clarity. It
allowed better diversification of investment portfolios, and reduced overall risk by
adding stable, income-generating assets with annual cash distributions. Overall
investment returns would potentially increase, which would directly benefit
policyholders.
Mr. Niemeyer cited some examples of multi-year guaranteed annuities: Slightly
higher portfolio returns would allow the company to offer higher crediting
interest rates to customers. Small-face-value whole life policies could be used
for pre-planned funerals. These policies included a growth rate that enabled
funeral homes to guarantee prices years or even decades in advance, because
some policyholders might hold such policies for 40 to 50 years. Having stable,
long-term investments was critical to meeting those obligations.
Mr. Niemeyer had also reported that the United Heritage Company had
reviewed S 1262 with Director Dean Cameron, Idaho Department of Insurance.
Mr. Cameron had no concerns or objections to the proposed update.
MOTION: Senator Lakey moved to send S 1262 to the floor with a do pass
recommendation. Senator Bernt seconded the motion. The motion carried
by voice vote
ADJOURNED: There being no further business at this time, Chairman Foreman adjourned the
meeting at 1:52 p.m.
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
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___________________________ ___________________________
Senator Foreman Linda Kambeitz
Chair Secretary
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Thursday, February 12, 2026—Minutes—Page 5

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MINUTES
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
DATE: Tuesday, February 10, 2026
TIME: 1:30 P.M.
PLACE: Room WW54
MEMBERS PRESENT: Chairman Foreman, Vice Chairman Lenney, Senators Lakey, Guthrie,
Bernt, Zito, Ward-Engelking, and Ruchti
ABSENT/
EXCUSED:
Senator Nichols
NOTE: The sign-in sheet, testimonies and other related materials will be retained
with the minutes in the committee's office until the end of the session and
will then be located on file with the minutes in the Legislative Services
Library.
CONVENED: Chairman Foreman called the meeting of the Senate Commerce and
Human Resources Committee (Committee) to order at 1:30 p.m.
GUBERNATORIAL
REAPPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Reappointment of Senator Todd
Lakey to the State Insurance Fund Board.
MOTION: Senator Bernt moved to confirm the Gubernatorial Reappointment of
Senator Todd Lakey to the State Insurance Fund Board. Senator Ruchti
seconded the motion. The motion carried by voice vote.
GUBERNATORIAL
REAPPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Reappointment of Kevin Settles
to the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Guthrie moved to confirm the Gubernatorial Reappointment of
Kevin Settles to the IHIEB. Senator Bernt seconded the motion. The
motion carried by voice vote.
RS 32897 Relating to Veterans. Senator Lakey explained this proposed legislation
was part of the Idaho DOGE Task Force cleanup effort. He explained that
this proposal repealed outdated provisions related to veteran services
assets that had previously been held in trust by the Department of Health
and Welfare, but had been transferred to the Division of Veteran Services
in the year 2000. He also noted that provisions regarding State matching
funds for the construction of a veterans' home were no longer needed
because the facility had been completed and operating for several years.
MOTION: Vice Chairman Lenney moved to send RS 32897 to print. Senator
Ward-Engelking seconded the motion. The motion carried by voice vote.
RS 32901 Relating to State Employment. Senator Lakey noted this legislation was
another Idaho DOGE Task Force cleanup measure. He explained that it
repealed code sections dealing with:
• the transition of former county public defender employees to State
employment and the transfer of their certifications, which had already
occurred;
• and comp time provisions tied to specific dates in 2008 and other
deadlines that had long passed
These sections were no longer necessary.

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MOTION: Vice Chairman Lenney moved to send RS 32901 to print. Senator Bernt
seconded the motion. The motion carried by voice vote.
RS 32906 Relating to the Public Employee Retirement System (PERSI). Senator
Lakey explained that this legislation repealed Idaho Code §§ 33-2140 and
33-2144, relating to a lump-sum payment for community college employees
in July 1984 and several sections in Title 59, Chapter 13 dealing with older
retirement or contribution rules for firefighters and related employees, all
tied to dates in the 1980s that were no longer applicable. This proposed
legislation also made conforming corrections to other code references
DISCUSSION: Senator Ward-Engelking queried if there was any opposition to this
proposed legislation. Senator Lakey remarked there had been none.
MOTION: Senator Zito moved to send RS 32906 to print. Senator Ruchti seconded
the motion. The motion carried by voice vote.
RS 33240 Relating to the Public Employee Retirement System of Idaho (PERSI).
Senator Zito explained that the purpose of the legislation was to
permanently remove the sunset provision in Idaho Code § 59-1356(5) so
that the State could continue to employ PERSI retirees without negatively
impacting the retirement system. She emphasized that this would allow
continued use of experienced retirees to address workforce shortages,
especially in certain critical areas, without increasing risk to the system.
MOTION: Vice Chairman Lenney moved to send RS 33240 to print. Senator Lakey
seconded the motion. The motion carried by voice vote.
H 514 BARBER AND COSMETOLOGY SERVICES - Amends existing law to
provide for the taking of examinations upon completion of 80 percent
of education hours. Representative Bruce Skaug explained that the
bill allowed cosmetology students to take the State licensing exam after
completing 80 percent of their coursework, so they could be licensed and
ready to work as soon as they graduated, instead of facing a gap while
waiting to test and receive results. He noted there had been no known
opposition and that schools and students supported the bill.
MOTION: Senator Zito moved to send H 514 to the floor with a do pass
recommendation. Senator Ruchti seconded the motion. The motion
carried by voice vote.
ADJOURNED: There being no further business at this time, Chairman Foreman
adjourned the meeting at 1:46 p.m.
___________________________ ___________________________
Senator Foreman Linda Kambeitz
Chair Secretary
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Tuesday, February 10, 2026—Minutes—Page 2

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MINUTES
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
DATE: Thursday, February 05, 2026
TIME: 1:30 P.M.
PLACE: Room WW54
MEMBERS
PRESENT:
Chairman Foreman, Vice Chairman Lenney, Senators Lakey, Guthrie, Nichols,
Bernt, Zito, Ward-Engelking, and Ruchti
ABSENT/
EXCUSED:
None
NOTE: The sign-in sheet, testimonies and other related materials will be retained with
the minutes in the committee's office until the end of the session and will then
be located on file with the minutes in the Legislative Services Library.
CONVENED: Chairman Foreman called the meeting of the Senate Commerce and Human
Resources (Committee) to order at 1:30 p.m.
MINUTES
APPROVAL:
Senator Bernt moved to approve the Minutes of January 29, 2026. Senator
Ward-Engelking seconded the motion. The motion carried by voice vote.
RS 33116 Relating to Local Land Use Planning. Senator Harris reported this was a
proposal dealing with local control of short-term rentals. This legislation aimed
to balance the private property rights of long-term residents, families, and
short-term rental owners, and to prevent local ordinances from over-burdening
one group.
DISCUSSION: Senator Zito queried if this proposed legislation had an effect on small
properties that could be rented. Senator Harris noted that this legislation
would have an effect.
MOTION: Senator Guthrie moved to send RS 33116 to print. Senator Bernt seconded
the motion. The motion carried by voice vote.
RS 33133 Relating to Insurer Investments. Senator Guthrie reported this bill dealt
with investment flexibility for insurance companies. He stated this bill had
sought to relax a 75 percent capital and surplus limiter to allow insurers more
room for certain investments.
DISCUSSION: Senator Nichols asked if this proposed legislation had anything to do with the
federal level. Senator Guthrie indicated it did not.
MOTION: Senator Bernt moved to send RS 33133 to print. Senator Ward-Engelking
seconded the motion. The motion carried by voice vote.
RS 33190 Relating to the Public Employee Retirement System of Idaho (PERSI).
Senator Lakey reported this legislation had come from the sheriffs and had
clarified that retirees appointed to fill a vacancy (for example a sheriff) could
continue receiving their PERSI retirement while serving until the next general
election, similar to elected officials returning after six months' retirement.
MOTION: Senator Guthrie moved to send RS 33190 to print. Senator Nichols
seconded the motion. The motion carried by voice vote.

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GUBERNATORIAL
REAPPOINTMENT:
Committee Consideration of the Gubernatorial Reappointment of Kevin
Settles of Boise, Idaho, to the Idaho Health Insurance Exchange Board
(IHIEB) to serve a term commencing April 10, 2025 and expiring April 10,
2029. Mr. Settles gave a brief overview of his background. He remarked he
was a long-time member of the IHIEB noting his service and the importance of
sound financial management of the IHIEB.
DISCUSSION: Senator Nichols asked Mr. Settles what he had learned. Mr. Settles
remarked it was critical for the IHIEB to be tied to the State and the federal
government. The IHIEB always helped him learn what was so important on
the financial end and to make the IHIEB run efficiently. He had applied all of
that to his own business.
Chairman Foreman said the Committee would vote at the next meeting.
GUBERNATORIAL
REAPPOINTMENT:
Committee Consideration of the Gubernatorial Reappointment of Senator
Todd Lakey of Nampa, Idaho, to the State Insurance Fund Board (SIFB) to
serve a term commencing January 20, 2025 and expiring November 30,
2026. Senator Lakey described his eight-plus years on the SIFB, which had
provided workers' compensation coverage without using State funds. Senator
Lakey noted with leadership transitions, improvements were implemented in
technology, customer responsiveness, and access.
DISCUSSION: Senator Nichols queried what Senator Lakey had taken from his experience.
Senator Lakey emphasized the openness to change and continual
improvement. He lauded the progression with the new director.
Chairman Foreman said the Committee would vote at the next meeting.
GUBERNATORIAL
APPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Appointment of Representative
Jon Weber to the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Lakey moved to send the Gubernatorial Appointment of
Representative Jon Weber to the IHIEB to the floor with the recommendation
that he be confirmed. Senator Bernt seconded the motion. The motion
carried by voice vote.
GUBERNATORIAL
REAPPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Reappointment of Robert Cuoio to
the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Bernt moved to send the Gubernatorial Appointment of Robert
Cuoio to the Idaho Health Insurance Exchange Board (IHIEB) to the floor with
the recommendation that he be confirmed. Senator Nichols seconded the
motion. The motion carried by voice vote.
PASSED THE
GAVEL:
Chairman Foreman passed the gavel to Vice Chairman Lenney.
DOCKET NO.
24-3931-2501
Rules for Factory Built Structures - Pending Rule, p. 145. Justin
Touchstone, Trades Program Director, Division of Occupational and
Professional Licenses (DOPL), explained this rule had reduced modular
permitting and installation fees by 20 percent across all valuation levels,
including specific reductions for single-wide, double-wide, and multi-section
installations. He noted the change had been intended to move the DOPL
Board's cash balance toward the statutory target (30 to 150 percent) of
five-year expenditures, and had not introduced any new or increased fees.
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MOTION: Senator Nichols moved to approve the temporary and pending rule Docket
No. 24-3931-2501. Senator Lakey seconded the motion. The motion carried
by voice vote.
DOCKET NO.
24-3930-2501
Rules of Building Safety (Building Code Rules) - Pending Rule, p. 129.
Justin Touchstone, Trades Program Director, Division of Occupational and
Professional Licenses (DOPL), explained the Idaho Building Code Board
(IBCB) had presented a similar change to the building permit fee table, also
reducing fees by 20 percent across all valuations. The IBCB had relied solely
on permitting fees (no licensing or penalties) and had been above the desired
cash-balance range, prompting the reduction.
MOTION: Senator Lakey moved to approve the temporary and pending rule Docket
No. 24-3930-2501. Senator Nichols seconded the motion. The motion
carried by voice vote.
DOCKET NO.
24-3930-2502
Rules of Building Safety (Building Code Rules) - Pending Rule, p. 133.
Justin Touchstone, Trades Program Director, Division of Occupational and
Professional Licenses (DOPL) reported the Idaho Building Code Board (IBCB)
presented a major rules package to adopt the 2024 building codes with
Idaho-specific amendments instead of moving to the 2021 codes. The IBCB
had concluded that the 2021 codes were not the right fit, while the 2024 codes
were generally less restrictive and more flexible than both 2018 and 2021,
especially for innovative housing and updated safety issues.
Mr. Touchstone noted the key elements had included: 1) Affordable and
Innovative Housing and Mass Timber. He explained the addition of the
International Building Code (IBC) § 8510.10 allowed five-story wood-frame
buildings over a fire-protected base, enabling more cost-effective multi-family,
and infill projects. The 2021 mass timber provisions were replaced with the
2024 mass timber provisions, allowing taller mass timber buildings (up to 18
stories) and more exposed timber while maintaining safety.
The second item: 2) Lithium-Ion Battery and Garage Safety. Mr. Touchstone
remarked the 2024 codes had explicitly addressed lithium-ion batteries,
including those used in energy storage systems and Electric Vehicle (EV)
charging, which earlier codes had not sufficiently covered. He explained Idaho
had seen a 65 percent increase in lithium-ion battery fires between 2023 and
2024, including a high-profile Coeur d'Alene police facility fire attributed to an
e-bike battery. Mr. Touchstone stated heat detectors in garages were added
instead of smoke detectors (which were prone to false alarms) to provide early
warning where many batteries were stored.
Mr. Touchstone stated 3) Energy Conservation - Practical Alternatives and
Cost Control. For commercial buildings, the rules had deleted certain costly
lighting control and renewable energy requirements for the International
Energy Conservation Code (IECC) §§ C405 and C406) viewed as unnecessary
burdens. For residential energy standards, Idaho had kept the 2018 IECC
insulation and U-value tables (R402.102 and R402.1.4), including all prior
Idaho footnotes to preserve continuity and avoid new cost shocks.
Mr. Touchstone stated a prescriptive alternative to blower door testing was
introduced, consisting of nine specific air-sealing measures (sealing around
windows/doors, recessed lights, penetrations, top plates, and subfloor joints).
Builders could either perform a blower door test or follow this checklist. Data
had shown homes built to these measures performed comparably to homes
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that passed blower door tests, while avoiding delays and logistical problems in
rural areas.
Mr. Touchstone reported the IBCB had held 11 public hearings across Idaho
(Idaho Falls, Rexburg, Twin Falls, Boise, Moscow, and Coeur d'Alene), plus
seven regular meetings, three negotiated rulemaking sessions, and additional
targeted meetings. Over 50 attendees from 16 stakeholder organizations,
including the Idaho Association of Building Officials (IABO), Idaho Home
Builders Association, Association of General Contractors, and American
Institute of Architects, had participated. Materials for legislators had included
crosswalks and red-lined rule text, with minor edits in green and substantial
changes in blue (Attachment 1).
TESTIMONY: Sam Zahorka, President, Idaho Association of Building Officials (IABO),
testified in support of the docket. He cited with the new code, there was
more flexibility and options for builders, including better paths for accessory
dwelling units (ADU), tiny homes, and innovative construction. He supported
the updated treatment of lithium-ion batteries, the potential improvement in
statewide International Organization for Standardization (IOS) fire ratings,
possibly leading to lower insurance premiums and better housing affordability.
Jason Blais, IDABO Board member and building official, testified in support of
the docket. He addressed the residential energy provisions, explaining that
the air-sealing and blower door alternatives had been grounded in more than a
decade of practical work and case studies, aimed at clear, common-sense,
and non-disruptive requirements.
Ken Burgess, Idaho Home Builders' Association, testified in support of the
docket. He noted that from a builder's perspective, this docket was strongly
supported in the industry. He praised the negotiated rulemaking and two major
compromises: the heat detector approach for lithium-ion risk was a balanced,
lower-cost solution compared with more onerous International Code Council
(ICC) proposals. He said the blower-door alternative path was an "elegant" fix
to long-standing challenges, particularly in rural Idaho.
DISCUSSION: Vice Chairman Lenney asked for clarification on whether the rules mandated
EV charging stations in new homes and how "shipping container" homes and
similar innovations would be handled. Mr. Touchstone stated EV charging
stations were not mandated in new homes but safety was regulated where
such equipment was installed. Mr. Touchstone explained the rules provided
appendices and frameworks that local jurisdictions could choose to adopt,
expanding their menu of options without imposing statewide mandates. He
explained public access to the 2024 IBC, International Residential Code (IRC),
and the IECC were available digitally on the ICC website.
Senator Lakey expressed appreciation that the resulting Idaho package
had tended to be less, not more restrictive, while still maintaining safety and
industry support.
MOTION: Senator Guthrie moved to approve Docket No. 24-3930-2502. Senator
Nichols seconded the motion. The motion carried by voice vote.
PASSED THE
GAVEL:
Vice Chairman Lenney passed the gavel back to Chairman Foreman.
ADJOURNED: There being no further business at this time, Chairman Foreman adjourned
the meeting at 2:25 p.m.
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
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___________________________ ___________________________
Senator Foreman Linda Kambeitz
Chair Secretary
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Thursday, February 05, 2026—Minutes—Page 5

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MINUTES
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
DATE: Tuesday, February 03, 2026
TIME: 1:30 P.M.
PLACE: Room WW54
MEMBERS
PRESENT:
Chairman Foreman, Vice Chairman Lenney, Senators Lakey, Guthrie, Nichols,
Bernt, Zito, Ward-Engelking, and Ruchti
ABSENT/
EXCUSED:
None
NOTE: The sign-in sheet, testimonies and other related materials will be retained with
the minutes in the committee's office until the end of the session and will then
be located on file with the minutes in the Legislative Services Library.
CONVENED: Chairman Foreman called the meeting of the Senate Commerce and Human
Resources Committee (Committee) to order at 1:30 p.m.
PRESENTATION: Senator Grow, Chairman, Joint Finance-Appropriations Committee (JFAC),
gave an overview of the JFAC budget process and the fiscal years 2026-2027
budgets. Senator Grow explained that revenue projections had recently
been raised and that conformity legislation affected the fiscal year (FY) 2026
numbers. Senator Grow highlighted the uncertainty in revenue projections,
noting $430 million on the bottom line had been used up, leaving a much
smaller and more volatile ending balance (around $30 million), which could
change quickly as new monthly revenue reports came in. Committee members
would soon be voting on many budget bills and he wanted them to have
deeper context rather than just brief bill blurbs. Senator Grow introduced
Keith Bybee, Division Manager, Budget & Policy, Legislative Services Office
(LSO), who detailed the State's financial position, showing a $5.6 million
revenue shortfall.
DISCUSSION: Senator Bernt asked for an explanation of the Delaware model. Senator
Grow explained that federal law had previously forced businesses to capitalize
Research and Development (R&D) expenses over five years rather than
deducting them immediately. Senator Grow described how the recent federal
"big, beautiful bill" allowed taxpayers to go back and expense all those
capitalized R&D amounts in one current year, creating a large one-time hit
in FY 2026. He said Idaho chose a "Delaware model" approach. The State
would not allow that big retroactive expense all at once, but would continue
to let taxpayers depreciate or expense the R&D over the five-year period.
He summarized this as primarily a timing issue: taxpayers still received the
deductions, but the State avoided a large sudden impact to the FY 2026
budget.
Senator Ruchti asked Mr. Bybee for the definition of structural balance.
Mr. Bybee provided an overview of the State's financial position and the
importance of structural balance. He pointed out the State's revenue
collections and expenditures from fiscal year (FY) 2018 to FY 2025.

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PRESENTATION: Mr. Bybee presented charts showing actual and projected General Fund
revenues and expenditures from FY 2018 through projected FY 2028.
He defined structural balance as ongoing revenues exceeding ongoing
appropriations over the business cycle (the projected three-year period),
and warned against relying repeatedly on one-time money to cover ongoing
spending.
Mr. Bybee pointed out that looking ahead to FY 2027-2028 projected
revenues were expected to be lower than projected budget growth if historical
expenditures growth trends continued. He indicated the State had reached
a "crossroads" where it needed to rebalance on the revenue side, the
appropriation side, or both. He noted that in earlier years, large surpluses
had been used for capital projects for roads, land, water infrastructure, and
substantial tax relief, which influenced the current structural picture.
Mr. Bybee walked through the General Fund "balance sheet" for FY 2026,
showing revenue lines at the top and appropriations lines at the bottom. He
compared the revenue forecast in place when the Legislature adjourned the
prior spring to the Governor's updated forecast and the Legislature's newly
adopted revenue number. He explained that the Legislature had previously
reduced the original revenue forecast to account for policy changes such as
tax relief and sales tax-related bills. Mr. Bybee showed that the updated
projections reflected both softer-than-expected economic performance
(especially in sales tax collections) and the cumulative effect of multiple tax
cuts and credits.
DISCUSSION: Senator Guthrie commented that a large part of the current structural
imbalance was self-inflicted through roughly $4 billion in income tax reductions
over the past five years. Senator Ward-Engelking agreed.
PRESENTATION: Mr. Bybee highlighted the need for rebalancing revenues and appropriations
to maintain structural balance. He outlined the impact of tax relief and capital
projects on the State's finances. He explained the impact of policy decisions on
State revenue, including tax relief and capital projects. Mr. Bybee provided a
detailed breakdown of the State's General Fund budget, including revenue and
appropriation sections. He highlighted the changes to revenue projections and
the impact on the State's budget, including the impact of economic indicators.
He provided a detailed comparison of the Governor's revenue forecast and
the Legislature's revenue projection. He highlighted the potential impact of
conformity and the need for decision-making on the budget.
Mr. Bybee provided historical tables covering approximately 22 years to
show what happened during the Great Recession. He noted that between FY
2009 and FY 2011, the State cut roughly $600 million in total appropriations.
He highlighted that Health and Welfare and Public Schools experienced
significant cuts; for example, one line item in Health and Welfare dropped
by approximately $150 million year-over-year. He explained that during that
period, the Legislature used reserve balances over three years and then
largely exhausted them, pairing one-time funds with deep agency cuts. He
noted that when asked how current charts would look if extended back through
the Great Recession, he said they would show a pronounced dip in spending
followed by a gradual recovery (Attachment 1).
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DISCUSSION: In response to questions from the Committee, Mr. Bybee presented a chart
that adjusted historical budgets for both inflation and population, converting
them to real dollars per capita. He explained that in 2005, real per-person
State spending was approximately $2,500, and by the current period, it was
approximately $2,725 per person. He said this represented only about 9
percent total growth over roughly 20 years - about 0.4 percent average annual
growth in real per-capita terms. Mr. Bybee argued that, historically, Idaho
Legislatures had been relatively restrained and thoughtful in not dramatically
increasing real per-person spending. He also noted there was no universal
metric saying exactly how much additional spending each additional resident
"should" require; those choices remained policy decisions.
PRESENTATION: Mr. Bybee showed a chart of General Fund growth by major category over ten
years. He stated that the Medicaid budget on the General Fund had nearly
doubled over that period, with a steep increase around 2019-2020 when
Medicaid expansion was implemented, then returning to a more standard
growth trend. He said the public schools budget had almost doubled as well,
with a major jump between FY 2023 and FY 2024 driven by H 1 (adding
approximately $330 million to public schools). He described other large growth
areas tied to policy. The current Medicaid expansion contributed to an impact
on the General Fund of approximately $90 million, but some was offset by prior
programs such as the Catastrophic Health Fund (CAT) and county indigent
funds that had been reduced or eliminated.
DISCUSSION: Mr. Bybee discussed the role of the Budget Stabilization Fund (BSF) in
maintaining financial stability. In response to a question from Senator Guthrie.
Mr. Bybee noted the impact of one-time revenues and the need for careful
management. He highlighted the importance of maintaining a balanced budget
and the role of the BSF. He provided a detailed comparison of the State's
current cash position and historical data. He emphasized that reserves existed
to help the State weather a future major downturn and that drawing them down
now to cover ongoing structural gaps for multiple years could leave Idaho
exposed when the next recession arrived.
Senator Grow commented on the structural balance. He stated there were
ongoing preventatives projected to be lower than ongoing expenses. This
was a temporary fix for three years. He explained that tens of millions were
short-term periods and not sustainable. The budget was not balanced at this
time. There were $80 million in cuts from Education and Health and Welfare.
JFAC was trying to be ultra conservative.
MINUTES
APPROVAL:
Senator Ruchti moved to approve the Minutes of January 27, 2026. Senator
Lakey seconded the motion. The motion carried by voice vote.
GUBERNATORIAL
REAPPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Reappointment of Brett Thomas to
the Idaho Health Insurance Exchange Board.
MOTION: Senator Ward-Engelking moved to send the Gubernatorial Reappointment
of Brett Thomas, to the Idaho Health Insurance Exchange Board (IHIEB), to
the floor with the recommendation that he be confirmed. Senator Nichols
seconded the motion. The motion carried by voice vote.
GUBERNATORIAL
APPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Appointment of Erika Malmen to
the Idaho Personnel Commission.
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Tuesday, February 03, 2026—Minutes—Page 3

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MOTION: Senator Lakey moved to send the Gubernatorial Appointment of Erika
Malmen, to the Idaho Personnel Commission, to the floor with the
recommendation that she be confirmed. Senator Ruchti seconded the motion.
The motion carried by voice vote.
GUBERNATORIAL
APPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Appointment of Dr. Karen Cabell to
the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Nichols moved to send the Gubernatorial Appointment of Dr. Karen
Cabell, to the Idaho Health Insurance Exchange Board (IHIEB), to the floor
with the recommendation that she be confirmed. Senator Ward-Engelking
seconded the motion. The motion carried by voice vote.
GUBERNATORIAL
REAPPOINTMENT:
Committee Consideration of the Gubernatorial Reappointment of
Representative Jon Weber of Rexburg, Idaho, to the State Insurance
Fund Board (ISIF) to serve a term commencing November 30, 2024
and expiring November 30, 2026. Representative Weber stated it was
his pleasure to serve on the ISIF for the last four years. He remarked he
understood the process and learned about the inner workings of the ISIF.
DISCUSSION: Chairman Foreman said the vote would take place at the next meeting.
GUBERNATORIAL
REAPPOINTMENT:
Committee Consideration of the Reappointment of Robert Cuoio of
Pocatello, Idaho, to the Idaho Health Insurance Exchange Board (IHIEB)
to serve a term commencing April 10, 2025 and expiring April 10, 2029.
Mr. Cuoio, (who testified virtually) stated he had been on the IIHIEB for the
past three years. He stated it was a pleasure serving on the IHIEB. He wanted
to make the future better for Idahoans.
DISCUSSION: Chairman Foreman stated the vote would take place at the next meeting.
PASSED THE
GAVEL:
Chairman Foreman passed the gavel to Vice Chairman Lenney.
DOCKET NO.
24-2101-2501
Rules of the Idaho State Contractors Board (Fee Rule) - Pending
Rule, p. 111. MiChell Bird, Executive Officer, Division of Occupational
and Professional Licenses, provided an overview of the rule docket for the
Contractor Registration Board, including fee increases in order to maintain
financial solvency.
DISCUSSION: Senator Nichols and Ms. Bird discussed the impact of the fee increases on
registrants and the importance of maintaining a balanced budget.
Ms. Bird highlighted the support from industry associations and the need for
rule approval.
Vice Chairman Lenney and Ms. Bird discussed how many applicants
had been rejected and how many disciplinary actions occurred when the
Contractor Registration Board was moved under the Division of Occupational
and Professional Licenses (DOPL). Ms. Bird explained that some Boards had
increased in size and other decreased. Cash balances were increasing.
Senator Lakey commented that if a Board was in the red and did not pay its
expenses, what agency covered the shortage. Ms. Bird stated that DOPL
funds had to cover those shortages..
MOTION: Senator Lakey moved to approve Docket No. 24-2101-2501. Senator
Foreman seconded the motion.
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DISCUSSION: Senator Lakey remarked that a $10 increase was not too much. He noted that
complaints would increase due to growth.
VOTE ON THE
MOTION:
The motion carried by voice vote. Vice Chairman Lenney voted nay.
DOCKET NO.
24-2201-2501
Rules of the Idaho State Liquefied Petroleum Gas Safety Board
(ISLPGSB) (Fee Rule) - Pending Rule, p. 114. Jessica Spoja, Licensing
and Registration Manager, Building Construction and Real Estate Bureau,
provided an overview of the docket, including fee increases to comply with
State requirements.
DISCUSSION: Senator Lakey and Ms. Spoja discussed the impact of the fee increases
on licensees and the importance of maintaining a balanced budget. She
highlighted the support from industry associations and the need for rule
approval. Ms. Spoja provided a detailed comparison of the ISLPGSB's current
cash balance and the need for fee increases.
Vice Chairman Lenney and Ms. Spoja discussed the negatives in the budget,
how that happened relating to the move to the Chinden campus and the
licensing system. Senator Bernt asked Ms. Spoja about the current licensing
system in place now as opposed to the old system. Ms. Spoja stated that in
the past they had to use paper instead of computers.
.MOTION: Senator Ruchti moved to approve Docket No. 24-2201-2501. Senator
Ward-Engelking seconded the motion. The motion carried by voice vote.
Vice Chairman Lenney voted nay.
DOCKET NO.
24-2801-2501
Rules of the Barber and Cosmetology Services Licensing Board (Fee
Rule) - Pending Rule, p. 117. John Price, Bureau Chief, Occupational
Licenses Bureau, provided an overview of the docket and the fee increases
and new regulations. He noted the fee increases were to comply with State
requirements. Most of the fee increases were $5. He noted DOPL tried to
reduce expenses. DOPL reduced the amount of Board meetings in this docket.
DISCUSSION: Senator Bernt discussed the impact of the fee increases on licensees and
the importance of maintaining a balanced budget. Mr. Price highlighted the
support from industry associations and the need for rule approval. He also
provided a detailed comparison of the DOPL Board's current cash balance and
the need for fee increases.
MOTION: Senator Bernt moved to approve Docket No. 24-2801-2501. Senator
Ward-Engelking seconded the motion.
DISCUSSION: Vice Chairman Lenney remarked there were some administrative hurdles at
DOPL with raising fees for some boards while other boards did not raise fees.
VOTE ON MOTION: The motion carried by voice vote. Vice Chairman Lenney voted nay.
PASSED THE
GAVEL:
Vice Chairman Lenney passed the gavel back to Chairman Foreman.
ADJOURNED: There being no further business at this time, Chairman Foreman adjourned
the meeting at 2:53 p.m.
___________________________ ___________________________
Senator Foreman Linda Kambeitz
Chair Secretary
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Tuesday, February 03, 2026—Minutes—Page 5

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Attachment 1, January 27, 2026
Your Health Idaho

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MINUTES
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
DATE: Tuesday, January 27, 2026
TIME: 1:30 P.M.
PLACE: Room WW54
MEMBERS
PRESENT:
Chairman Foreman, Vice Chairman Lenney, Senators Lakey, Guthrie, Nichols,
Zito, Ward-Engelking, and Ruchti
ABSENT/
EXCUSED:
Senator Bernt
NOTE: The sign-in sheet, testimonies and other related materials will be retained with
the minutes in the committee's office until the end of the session and will then
be located on file with the minutes in the Legislative Services Library.
CONVENED: Chairman Foreman called the meeting of the Senate Commerce and Human
Resources Committee (Committee) to order at 1:30 p.m.
GUBERNATORIAL
APPOINTMENT
VOTE:
Committee Vote on the Gubernatorial appointment of Salvador Cruz as
the Director, Department of Finance.
MOTION: Senator Lakey moved to send the Gubernatorial appointment of Salvador
Cruz, Director of Finance (DOF), to the floor with the recommendation that he
be confirmed. Senator Ruchti seconded the motion. The motion carried by
voice vote.
GUBERNATORIAL
APPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Appointment of Nora Carpenter, to
the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Nichols moved to send the Gubernatorial Appointment of Nora
Carpenter, to the IHIEB to the floor with the recommendation that she be
confirmed. Senator Ward-Engelking seconded the motion. The motion
carried by voice vote.
GUBERNATORIAL
REAPPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Reappointment of Gregory
Donaca, to the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Ruchti moved to send the Gubernatorial reappointment of Gregory
Donaca, to the IHIEB to the floor with the recommendation that he be
confirmed. Senator Nichols seconded the motion. The motion carried by
voice vote.
PRESENTATION: Your Health Idaho (YHI). Patrick Kelly, Executive Director, YHI, highlighted
changes and outlined the year for YHI (Attachment 1). He gave an extensive
summary of the key accomplishments in 2025 by the numbers, the year in
review, open enrollment 2026, the consumer experience, partnerships, and
looking ahead. Mr. Kelly emphasized savings for Idahoans and increased
enrollment. He discussed the financial position of YHI, emphasizing its fiscal
conservatism and self-sustainability. He provided a detailed breakdown of the
enrollment statistics, including the percentage of enrollees who received tax
credits and the demographic distribution of enrollees. In addition, Mr. Kelly
enumerated their customer experience metrics, including the Net Promoter
Score and the number of enrollments handled during open enrollment. Mr.
Kelly discussed the challenges faced in 2025, such as affordability concerns,

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the shift to Bronze Plans, and the strategies employed to address these
challenges.
Mr. Kelly outlined the YHI's plans for open enrollment 2026, including the
focus on key performance metrics, efficiency gains, and customer experience.
He stressed the record-breaking enrollment numbers achieved in 2026 and
the strategies employed to maintain high customer satisfaction. He pointed out
the ongoing efforts to educate Idahoans about their health insurance options.
DISCUSSION: Senator Ward-Engelking questioned the impact of rising health insurance
premiums and the shift to Bronze Plans. Mr. Kelly explained that Bronze
Plans were cheaper to carry, but more expensive to use, and that the shift
reflected "affordability pressures" during open enrollment of 2026.Senator
Nichols queried how Idaho's costs compared nationally. Mr. Kelly indicated
that Idaho had some of the lowest premiums in the country and credited the
1332 Reinsurance Wavier and a competitive carrier market.
PASSED THE
GAVEL:
Chairman Foreman passed the gavel to Vice Chairman Lenney.
DOCKET NO.
29-0203-2501
Department of Commerce Grant Program Rules (ZBR Chapter Rewrite) -
Pending Rule, p. 4. Ewa Szewczyk, Grants and Contracts Manager, Idaho
Department of Commerce (IDOC), reported that the rule did not create new
programs, did not expand eligibility, and did not increase appropriations. She
noted the rewrite removed duplicative statutory language, clarified definitions,
and modestly adjusted grant caps for cost inflation without changing total
funding.
DISCUSSION: Senator Lakey asked if a grant cap increase from $50,000 to $100,000 was
driven by a projected cost growth and not by Code change. Ms. Szewczyk
stated the intent of the increase was to fund and complete the project. In
response to a question from Senator Lakey, Ms. Szewczyk stated there was
not any limitation in Idaho Code as to the amount.
MOTION: Chairman Foreman moved to approve Docket No. 29-0203-2501. Senator
Ruchti seconded the motion. The motion carried by voice vote.
DOCKET NO.
18-0405-2501
Self-Funded Health Care Plans Rule (ZBR Chapter Rewrite) - Pending
Rule, p. 5. Dean Cameron, Director, Idaho Department of Insurance (IDOI),
introduced his support staff and stated the dockets were part of a scheduled
five-year cleanup, removing redundancy with statute, and reducing burdens,
all with negotiated rulemaking and stakeholder input. He introduced Wes
Trexler, Deputy Director, IDOI, who would present the dockets.
Mr. Trexler remarked the purpose of this docket was to implement Idaho
Code, Title 41, Chapter 40 provisions on Self-Funded Health Care Plans
(registration, bonding, reserves, record-keeping, and reporting).
MOTION: Senator Lakey moved to approve Docket No. 18-0405-2501. Chairman
Foreman seconded the motion. The motion carried by voice vote.
DOCKET NO.
18-0406-2501
Governmental Self-Funded Employee Health Care Plans Rule (ZBR
Chapter Rewrite) - Pending Rule, p. 9. Wes Trexler, Deputy Director, Idaho
Department of Insurance (IDOI), reported this docket was similar to the prior
one, but was for governmental joint public agency plans. He noted changes
included streamlined certifications and removal of statutory duplication.
DISCUSSION: Senator Lakey stated that he had a potential conflict of interest pursuant to
Senate Rule 39 (H), but intended to vote.
MOTION: Chairman Foreman moved to approve Docket No. 18-0406-2501. Senator
Lakey seconded the motion. The motion carried by voice vote.
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Tuesday, January 27, 2026—Minutes—Page 2

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DOCKET NO.
18-0411-2501
Long-Term Care Insurance Minimum Standards (ZBR Chapter Rewrite) -
Pending Rule, p. 14. Wes Trexler, Deputy Director, Idaho Department of
Insurance (IDOI), stated the purpose of the changes was to protect consumers
by setting minimum standards, curb unfair sales practices, and improve
comparability of long-term care policies. Also addressed were outdated
transition provisions and time-limited sections that had long since expired,
plus minor clarifications.
MOTION: Senator Guthrie moved to approve Docket No. 18-0411-2501. Senator
Nichols seconded the motion. The motion carried by voice vote.
DOCKET NO.
18-0412-2501
The Small Employer Health Insurance Fund and Availability Act (ZBR
Chapter Rewrite) - Pending Rule, p. 52. Wes Trexler, Deputy Director,
Idaho Department of Insurance (IDOI), indicated the purpose of these
changes was to ensure broad risk-spreading and orderly operation of the
small-group market. He outlined some of the changes that included removing
a duplicate statute on pre-existing condition protections. Language was
deleted on assessments, mandated plans, and filing requirements tied to the
Small Employer Carrier Reinsurance Program of 2025 repealed by H 116.
Mr. Trexler remarked rating manual/methodology language was removed in
favor of statutory standards, and the new rule eliminated a mandated toll-free
line requirement.
MOTION: Senator Nichols moved to approve Docket No. 18-0412-2501. Senator
Lakey seconded the motion. The motion carried by voice vote.
DOCKET NO.
18-0413-2501
The Individual Health Insurance Availability Act (ZBR Chapter Rewrite) -
Pending Rule, p. 70. Wes Trexler, Deputy Director, Idaho Department of
Insurance (IDOI), stated the purpose was to address the Individual Market
Risk-Spreading Framework. He noted the changes were a similar cleanup
that removed duplicative pre-existing condition provisions, assessments,
reinsurance-program test, rating manual details, and the toll-free line
requirement.
MOTION: Senator Lakey moved to approve Docket No. 18-0413-2501. Senator
Ward-Engelking seconded the motion. The motion carried by voice vote.
DOCKET NO.
18-0414-2501
Coordination of Benefits (ZBR Chapter Rewrite) - Pending Rule, p. 87.
Wes Trexler, Deputy Director, Idaho Department of Insurance (IDOI), noted
the purpose was to establish uniform order of benefit determination when
insured customers had multiple health/disability plans, which reduced claim
delays and duplication. The changes included that plans could no longer
reduce benefits merely because a person could have enrolled in Medicare
Part B, but chose not to. The change prevented coverage gaps for older
workers who delayed Part B while still covered under employer plans.
MOTION: Senator Nichols moved to approve Docket No. 18-0414-2501. Chairman
Foreman seconded the motion. The motion carried by voice vote.
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Tuesday, January 27, 2026—Minutes—Page 3

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DOCKET NO.
18-0415-2501
Rules Governing Short-Term Health Insurance Coverage - Adoption
of Pending Rule, p. 98. Wes Trexler, Deputy Director, Idaho Department
of Insurance (IDOI), remarked the purpose of this docket was to regulate
non-renewable short-term and enhanced short-term health plans under
Idaho Code Title 41. He reported that federal agencies had announced they
would enforce a more restrictive federal short-term definition (maximum
of three months), which sharply limited these products. The IDOI had
issued a temporary rule, effective October 15, 2025, to protect access and
adapt State rules. The new definition redefined non-renewable short-term
coverage not to exceed 12 months, and not beyond the calendar year. This
would avoid double deductibles for coverage straddling year-end and eased
transition into Affordable Care Act (ACA) plans during open enrollment. The
changes allowed year-round enrollment in short-term products, not just during
open enrollment. Benefit design flexibility was simplified and broadened
for enhanced short-term plans, including typing generic prescription drug
coverage to the benchmark plan formulary standard so major therapeutic
categories could not be excluded. Mr. Trexler stated that the IDOI requested
an earlier effective date to avoid a regulatory gap after the temporary rule
expired at adjournment. This change allowed an extension effective upon
sine die.
DISCUSSION: Senator Lakey asked whether there was a definition of short-term coverage.
Mr. Trexler pointed out there was a definition. Senator Lakey and Mr.
Trexler discussed the changes from prescription drugs versus generic. Mr.
Trexler explained the prescription drug formulary was for at least two drug
types to cover a benchmark plan to avoid major gaps in drug plans.
MOTION: Chairman Foreman moved to approve Docket No. 18-0415-2501. Senator
Nichols seconded the motion.
DISCUSSION: After a brief discussion among Committee members about the effective date,
an amended motion was done.
AMENDED MOTION: Chairman Foreman moved to approve Docket No. 18-0415-2501 effective
upon sine die. Senator Lakey seconded the motion. The motion carried by
voice vote.
DOCKET NO.
18-0605-2501
Managing General Agents (ZBR Chapter Rewrite) - Pending Rule, p. 106.
Wes Trexler, Deputy Director, Idaho Department of Insurance (IDOI), noted
the purpose of this docket was to implement the 2025 Managing General
Agents Act. He outlined the changes and clarified that the broker's annual
premium tax filing satisfied the rule's annual reporting requirement, thus
reducing the administrative burden.
MOTION: Senator Guthrie moved to approve Docket No. 18-0605-2501. Senator
Ward-Engelking seconded the motion. The motion carried by voice vote.
PASSED THE
GAVEL:
Vice Chairman Lenney passed the gavel back to Chairman Foreman.
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Tuesday, January 27, 2026—Minutes—Page 4

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DISCUSSION: Dean Cameron, Director, Idaho Department of Insurance (IDOI), briefly
responded to questions about premium trends. He stated Idaho had avoided
the large rate spikes seen elsewhere, largely due to the Legislature's
support of the 1331 Reinsurance Waiver, which had held average premiums
essentially flat for approximately five years. He noted Idaho experienced
approximately a 10 percent average individual market increase in the last
year, which already incorporated an 18 percent reduction effect from the
waiver. Mr. Cameron stated Idaho enjoyed a robust carrier market (eight
carriers) compared to one or two in many states, making Idaho the envy of
other insurance commissioners.
Chairman Foreman thanked Director Cameron and staff for their work
overseeing Idaho's insurance markets and reaffirmed appreciation for their
consumer protection role.
ADJOURNED: There being no further business at this time, Chairman Foreman adjourned
the meeting at 2:43 p.m.
___________________________ ___________________________
Senator Foreman Linda Kambeitz
Chair Secretary
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Tuesday, January 27, 2026—Minutes—Page 5

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MINUTES
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
DATE: Thursday, January 22, 2026
TIME: 1:30 P.M.
PLACE: Room WW54
MEMBERS
PRESENT:
Chairman Foreman, Senators Lakey, Guthrie, Bernt, Zito, Ward-Engelking,
and Ruchti
ABSENT/
EXCUSED:
Vice Chairman Lenney and Senator Nichols
NOTE: The sign-in sheet, testimonies and other related materials will be retained with
the minutes in the committee's office until the end of the session and will then
be located on file with the minutes in the Legislative Services Library.
CONVENED: Chairman Foreman called the meeting of the Senate Commerce and Human
Resources Committee (Committee) to order at 1:30 p.m.
MINUTES
APPROVAL:
Senator Bernt moved to approve the Minutes of January 20, 2026. Senator
Guthrie seconded the motion. The motion carried by voice vote.
GUBERNATORIAL
REAPPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Reappointment of Hyatt Erstad, to
the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Ward-Engelking moved to send the Gubernatorial Reappointment
of Hyatt Erstad to the floor with the recommendation that he be confirmed.
Senator Guthrie seconded the motion. The motion carried by voice vote.
GUBERNATORIAL
APPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Appointment of Cynthia Fairfax, to
the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Ward-Engelking moved to send the Gubernatorial Appointment of
Cynthia Fairfax to the floor with the recommendation that she be confirmed
by the Senate. Senator Bernt seconded the motion. The motion carried by
voice vote.
GUBERNATORIAL
REAPPOINTMENT
VOTE:
Committee Vote on the Gubernatorial Reappointment of Janice
Fulkerson, to the Idaho Health Insurance Exchange Board (IHIEB).
MOTION: Senator Bernt moved to send the Gubernatorial Reappointment of Janice
Fulkerson to the floor with the recommendation that she be confirmed by
the Senate. Senator Guthrie seconded the motion. The motion carried by
voice vote.
GUBERNATORIAL
APPOINTMENT:
Committee Consideration of the Gubernatorial Appointment of Nora
Carpenter of Boise, Idaho, to the Idaho Health Insurance Exchange Board
(IHIEB), to serve a term commencing January 1, 2026 and expiring April
10, 2029. Ms. Carpenter stated she was a lifelong Idahoan and non-profit
executive. She remarked the appointment was an honor and that she looked
forward to serving Idaho's citizens.
DISCUSSION: Chairman Foreman indicated the vote on the appointment would take place
at the next meeting.

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GUBERNATORIAL
APPOINTMENT:
Committee Consideration of the Gubernatorial Appointment of Salvador
Cruz of Boise, Idaho, as Director of the Department of Finance (DOF),
to serve a term commencing December 18, 2026. Mr. Cruz presented his
professional background, outlined the DOF's duties and funding structure,
and described key challenges, including financial scams and rapid growth
in financial services.
DISCUSSION: Committee members posed questions regarding Mr. Cruz's move to Idaho and
his vision for the DOF, which he addressed. Chairman Foreman indicated the
vote on the appointment would take place at the next meeting.
GUBERNATORIAL
REAPPOINTMENT:
Committee Consideration of the Gubernatorial Reappointment of
Gregory Donaca of Eagle, Idaho, to the Idaho Health Insurance Exchange
Board (IHIEB), for a term commencing April 10, 2025 and expiring April
10, 2029. Mr. Donaca summarized his experience as Chief Executive Officer
(CEO) of Delta Dental, a Certified Public Accountant (CPA), and a Your Health
Idaho (YHI) Board Member as treasurer. Mr. Donaca expressed appreciation
for the representation of oral health on the YHI Board.
DISCUSSION: Chairman Foreman indicated the vote on the appointment would take place
at the next meeting.
ADJOURNED: There being no further business at this time, Chairman Foreman adjourned
the meeting at 1:55 p.m.
___________________________ ___________________________
Senator Foreman Linda Kambeitz
Chair Secretary
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
Thursday, January 22, 2026—Minutes—Page 2

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MINUTES
SENATE COMMERCE & HUMAN RESOURCES COMMITTEE
DATE: Thursday, January 15, 2026
TIME: 1:30 P.M.
PLACE: Room WW54
MEMBERS
PRESENT:
Chairman Foreman, Vice Chairman Lenney, Senators Guthrie, Zito, and
Ward-Engelking
ABSENT/
EXCUSED:
Senators Lakey, Nichols, Bernt, and Ruchti
NOTE: The sign-in sheet, testimonies and other related materials will be retained with
the minutes in the committee's office until the end of the session and will then be
located on file with the minutes in the Legislative Services Library.
CONVENED: Chairman Foreman called the meeting of the Senate Commerce and Human
Resources Committee (Committee) to order at 1:30 p.m.
WELCOME: Chairman Foreman welcomed the Senators to the Committee.
INTRODUCTION
OF NEW PAGE:
Chairman Foreman introduced the new Committee Page, Amanda Olson. He
stated that Ms. Olson enjoyed tennis, swimming, and traveling. Chairman
Foreman asked Ms. Olson to tell the Committee about herself. Ms. Olson stated
she was from Rathdrum and was interested in government and politics. She
planned to major in political science at Boise State University (BSU).
INTRODUCTION
OF NEW PAGE:
Chairman Foreman introduced the new Committee Page, Cooper Smith and asked
him to tell the Committee about himself. Mr. Smith stated he was from Nampa and
was passionate about weightlifting and was interested in politics. He planned to
study global management in France. He lived in Europe for the past two years.
DISCUSSION: Senator Ward-Engelking queried where he had lived in Europe. Mr. Smith replied
he lived in Spain.
PASSED THE
GAVEL:
Chairman Foreman passed the gavel to Vice Chairman Lenney.
RULES
REVIEW:
Vice Chairman Lenney referred to the upcoming rules and asked all Committee
members to read all of the rules. He emphasized that each Committee member
should review the rules independently and noted all Committee members were
responsible. He asked the Committee Secretary to explain the technical issues with
the rules that caused delays.
PASSED THE
GAVEL:
Vice Chairman Lenney passed the gavel back to Chairman Foreman.
ADJOURNED: There being no further business at this time, Chairman Foreman adjourned the
meeting at 1:38 p.m.
___________________________ ___________________________
Senator Foreman Linda Kambeitz
Chair Secretary

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