California Medi-Cal Tax Math: A new study says SB 177’s proposed $285 monthly penalty on large employers with workers on Medi-Cal is based on “flawed math,” with a smaller eligible workforce than expected—risking hundreds of millions in funding shortfalls and potential job losses. Universal Health Coverage Debate: Another piece argues employer coverage is deteriorating and pushes for universal public health insurance paired with private supplemental plans. India Distribution Reform Pushback: IRDAI’s proposed commission caps and tighter distribution economics are drawing warnings from LIC agents and brokers that lower payouts could hurt livelihoods and access, especially outside big cities. Home Insurance Discounts at Risk: Louisiana’s fortified-roof discounts may expire after 15 years, potentially raising premiums unless homeowners re-certify or switch to longer-lasting materials. Tech for Lower Costs: McKinsey says AI could finally cut insurance costs in underwriting, claims, and servicing after two decades of tech spending failed to reduce overall cost ratios. Ghana NHIS Payments: Ghana’s private providers say NHIA has improved claim reimbursements, easing long-running cash-flow pressure. Thailand Disaster Insurance: Thailand launched government-backed disaster insurance for 30 million households with defined payouts for floods, windstorms, and earthquakes. US Medicare $90 Checks: Trump says 20M+ Medicare enrollees will get one-time $90 payments to offset premium costs. Oman Trade Advance Insurance: Credit Oman introduced advance payment insurance for importers paying suppliers before goods are delivered. South Africa Social Insurance: SSNIT says it cleared unauthorized beachfront structures at La Beach to protect hotel investments and reduce safety and public-health risks.