Reform of the Texas homeowners’ insurance market in 2003 called for a file-and-use regulatory system. However, in 2009, the Sunset Review Commission’s Staff Report on the Texas Department of Insurance (TDI) rightly concluded that the “Legislature cannot judge the success of the shift to file-and-use rate regulation because the system has not been fully implemented.” Conditions have little improved since the report was issued.
Lesser of Two Evils? Young People Deserve More Choices
What Eva Arriaga lacked was options. Her medical assistant certificate, paid for with $15,000 in burdensome student loans, wasn’t enough to support her and her family. Though the Houston-area economy was booming, with thousands of high-paying jobs out there, Eva simply lacked the qualifications for the kind of job that provides a real future. Then...