Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateMarylandTo Governor
SB 865: Workgroup on the Affordability of Private Passenger Automobile Insurance – Extension and Alteration of Membership and Duties
Alonzo Washington
SB 865 status: To Governor — Approved by the Governor - Chapter 786 (updated May 26, 2026).
Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
63OUT OF 100
Score:63/100 civic fit
Risk:Low Risk
Impact:Low Impact 30/100
Constitutionality100%
Bipartisan75%
Public opinion80%
Bill summary
What changes
The bill extends the duration of the Workgroup on the Affordability of Private Passenger Automobile Insurance, modifies its membership, and updates its assigned tasks and duties.
Who is affected
Automobile insurance consumers, insurance industry stakeholders, and state policy makers.
Requirements and enforcement
The workgroup is required to continue its study of insurance affordability and provide recommendations.
Costs and funding
Not stated, though there are administrative costs for maintaining the workgroup.
When it takes effect
Effective upon enactment (May 2026).
Potential benefits
Potential for evidence-based policy proposals to improve insurance affordability and increase representation in policy-making.
Risks and tradeoffs
The non-binding nature of the workgroup's outputs and the potential for the study duration to delay legislative intervention.
What is still unknown
The specific policy recommendations the workgroup will produce and whether those recommendations will eventually be adopted into law.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Positive outlook
60%
Benefits
- Focuses on policy solutions for lower premiums
- Extended timeline allows for comprehensive economic analysis
- Broadened membership may increase stakeholder input
Risks
- Workgroup recommendations are non-binding
- Administrative costs associated with extended operations
- Potential for focus to be captured by special interests
Society
Positive outlook
60%
Benefits
- Aims to reduce the financial burden of mandatory auto insurance
- Addresses equity in consumer insurance costs
- Facilitates broader public awareness of affordability challenges
Risks
- Recommendations may not result in immediate relief
- Reliance on advisory rather than legislative action
- Potential for focus to exclude low-income specific disparities
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
Positive outlook
70%
Benefits
- Formalizes state-led oversight of the insurance sector
- Increases the duration of legislative/advisory engagement
- Updates mandate to reflect current market conditions
Risks
- Risk of administrative 'deadlock' in study groups
- Non-binding nature limits direct governance power
- Limited avenues for direct public testimony
Public Health & Safety
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
The effectiveness of this measure depends entirely on the political will to implement non-binding recommendations.
Analysis scope
Source provided is a summary abstract only
04
Where it stands
Official record- IntroducedComplete
- CommitteeComplete
- Chamber votesComplete
- Final agreementComplete
- GovernorCurrent
- EnactedUpcoming
05
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06
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