HR 659 creates the House Study Committee on Insurance Market Reform to examine Georgia’s rising insurance premiums, reduced coverage options, and lack of competition in the insurance industry. In response to some of the concerns about insurance practices raised during the passage of SB 68 (tort reform legislation), the committee will study issues like rate-setting practices, industry profits, regulatory compliance, and models from other states to identify reforms that could protect consumers from unaffordable premiums and ensure fairness and transparency. The substitute changed the composition of the study committee from seven House members and four non-legislative members to eight House members and three non-legislative members.