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Providers warn hard insurance market, rising premiums threaten availability of high‑needs youth placements
Summary
Providers and insurance officials told the task force underwriting limits, higher property and combined liability costs, and recent claim activity threaten some residential and high‑acuity youth placements; insurers said markets remain willing to underwrite but with more conditions and higher cost if claims exist.
Providers and the Department of Insurance warned the task force that a hard insurance market and recent claims activity are stressing providers who serve high‑needs youth.
Tana Howard, Deputy Insurance Commissioner, and Leila Ladd, policy and planning manager, said their survey of residential and behavioral‑health providers found coverage is available but that fewer carriers and claims histories make underwriting more burdensome. Ladd told the committee insurers commonly seek a three‑year…
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