Health Coverage Under Pressure (US): California’s governor race is spotlighting sticker shock in health insurance, with voters worried about unexpected bills and coverage affordability as candidates differ on how to pay for universal coverage. Medicare Scam Watch (US): Medicare open enrollment runs Oct. 15–Dec. 7, and advisers warn that looser marketing rules mean more unsolicited calls, pressure tactics, and “too good to be true” benefit promises. Flood Insurance Gaps (Thailand): Thailand’s September floods underline a common problem: policies may cover physical flood damage but leave business interruption, supplier losses, and denial-of-access triggers underinsured—so owners are urged to check waiting periods, limits, and documentation. Home Insurance Rules (Texas): Texas clarified that insurers can’t deny or nonrenew homeowners coverage based only on roof or home age, though they can assess condition. Workers’ Health Coverage (Vermont): A court ordered DFA to keep employer-provided health insurance for St. Albans Creamery workers while the closure fight continues. Marine War-Risk Costs (Red Sea): War-risk premiums for Saudi-linked tankers have surged as Red Sea routes are treated as higher risk, raising costs for corridor shipping. AI in Insurance Disputes (Georgia): A judge criticized AI-related errors in a burst-pipe coverage fight, calling them “typical” of AI hallucinations. Regulatory/Market Moves: Sun Life launched a Bermuda subsidiary for participating life products, while Rhode Island approved 2027 commercial health rate hikes after cutting insurer requests.