Should changes in some health insurance rates require the Insurance Commissioner's approval before going into effect?
- Requires changes to health insurance rates, or anything else affecting the charges associated with
health insurance, to be approved by Insurance Commissioner before taking effect.
- Provides for public notice, disclosure, and hearing on health insurance rate changes, and
subsequent judicial review.
- Requires sworn statement by health insurer as to accuracy of information submitted to Insurance
Commissioner to justify rate changes.
- Does not apply to employer large group health plans.
- Prohibits health, auto, and homeowners insurers from determining policy eligibility or rates based
on lack of prior coverage or credit history
Increased
state administrative costs to regulate health insurance, likely not
exceeding the low millions of dollars annually in most years,
funded from fees paid by health insurance companies.
- A YES vote on this measure means:
- Rates
for individual and small group
health insurance would need to
be approved by the Insurance
Commissioner before taking
effect.
- A NO vote on this measure means:
- State
regulators would continue to
have the authority to review,
but not approve, rates for
individual and small group
health insurance.
- Summary of Arguments FOR Proposition 45:
- Californians are being
overcharged for health
insurance. Prop. 45 will stop
the price gouging by requiring
health insurance companies
to be transparent and publicly
justify rates
before
premiums
can increase. The same
regulation of auto insurance has
saved drivers billions. Sponsors:
Consumer Watchdog,
California Nurses Association.
Opponents: health insurance
companies.
- Summary of Arguments AGAINST Proposition 45:
- Prop. 45 is a power
grab by special interests
to take control over health
care benefits and rates from
California's successful new
independent commission--
and give it to one Sacramento
politician instead. Higher
costs, more bureaucracy.
Political interference with
treatment options. Exempts big
corporations. Nurses, doctors,
consumers say vote No!
- Contact FOR Proposition 45:
- Consumer Watchdog Campaign
2701 Ocean Park Blvd., Suite 112
Santa Monica, CA 90405
(310) 392-0522
yeson45@consumerwatchdog.org
http://www.yeson45.org
- Contact AGAINST Proposition 45:
- No on 45--Californians
Against Higher Health Care
Costs
455 Capitol Mall, Suite 600
Sacramento, CA 95814
(866) 676-8156
Info@StopHigherCosts.org
http://www.StopHigherCosts.org
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Official Information
Secretary of State
Campaign Finance Data
VotersEdge
- Funding Summary for Prop 45
- the most complete information: everything on this page plus funding, news articles, endorsements, ads. From MapLight and the Smart Voter team of LWV California Education Fund
- Cal-Access
- Details of committee campaign finance filings submitted to the Secretary of State.
Nonpartisan Information
League of Women Voters
Events
Pros & Cons: Santa Clara County
Pros & Cons: Alameda County
- Oct. 27, 7:00 to 9:00 pm, Fremont Main Library, 2400 Stevenson Blvd., Fremont
News and Analysis
KPCC Coverage
KQED News Election Watch
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