45 - Health insurance rate changes

If it passes

Proposition 45 would give the state's elected insurance commissioner power to approve or deny proposed health insurance rates for individual and small-group policies covering about 6 million Californians.

The commissioner already has similar power to deny as "excessive" would-be hikes in auto, property and some other kinds of insurance.

Supporters, including current Insurance Commissioner Dave Jones, trial lawyers and the Consumer Watchdog advocacy group, say rate review by regulators works well in 35 other states and is needed in California to keep insurance costs under control in the often-costly individual market.

A well-financed coalition of insurance companies, hospitals, doctors and others oppose Prop. 45, saying it would give the commissioner too much power, would boost – not cut – healthcare costs and would complicate California’s new insurance programs offered through Obamacare.

Under existing law, California regulators can review and criticize health insurance rate increases but they have no legal power to stop them.

Endorsements

Los Angeles Times Editorial

Support

  • Deborah Burger, President California Nurses Association
  • Jamie Court, President Consumer Watchdog
  • Dolores Huerta, Civil Rights Leader
  • Dr. Paul Song, Co-Chair Campaign For A Healthy California
  • Henry L. “Hank” Lacayo, State President Congress of California Seniors
  • Harvey Rosenfield, Author of 1988 insurance reform Proposition 103

Oppose

  • Gail Nickerson, President California Association of Rural Health Clinics
  • Robert A. Moss, MD, President Medical Oncology Association of Southern California
  • Kim Stone, President Civil Justice Association of California
  • Monica Weisbrich, R.N., President American Nurses Association of California
  • Dr. José Arévalo, M.D., Chair Latino Physicians of California
  • Allan Zaremberg, President California Chamber of Commerce

Tracking the money

$60.2 million has been raised

Support
$3,240,082
Oppose
$56,971,326

Search contributions

Contributions by state

Support

$1
$10K
$100K
$500K
$1M
+
State Amount %
California $3,214,064 99.2%
Other $26,018 0.8%

Oppose

$1
$10K
$100K
$500K
$1M
+
State Amount %
California $56,878,664 99.8%
Other $92,662 0.2%

Contributions by special interest

Sector Support Oppose Total
Healthcare $8,522 $56,523,900 $56,532,421
Union $1,362,066 $0 $1,362,065
Foundations $1,000,000 $0 $1,000,000
Political campaign $606,411 $5,341 $611,751
Financial services $100 $437,123 $437,223
Legal $225,300 $300 $225,600
Real estate $6,925 $0 $6,925
Homemaker $2,500 $0 $2,500
Retired $950 $0 $950
Consulting $500 $0 $500
Government $250 $0 $250
Arts & entertainment $200 $0 $200
Food & liquor $140 $0 $140

Top contributors in support

# Name Contributions# Total
1. California Nurses Association 2 $1,200,000
2. kathryn taylor, tomkat foundation 1 $500,000
3. Consumer Watchdog 5 $500,000
4. Consumer Watchdog Campaign - Yes on 45 and 46 23 $230,178
5. Greene Broillet & Wheeler, LLP 1 $125,000
6. Yes On Prop. 46, Your Neighbors For Patient Safety, A Coalition of Consumer Attorneys and Patient Safety Advocates 2 $107,005
7. Committee For Corporate Accountability and Consumer Protection 2 $105,121
8. California Federation of Teachers COPE Prop/Ballot Committee 7 $78,161
9. shernoff bidart echeverria bentley llp 1 $50,000
10. CA Nurses Association Initiative Pac 1 $50,000

Top contributors in opposition

# Name Contributions# Total
1. Wellpoint, Inc. and Affiliated Entities 2 $18,470,350
2. Kaiser Foundation Health Plan, Inc. 6 $18,470,350
3. Blue Shield of California 5 $12,350,200
4. Health Net, Inc. 4 $6,592,100
5. Anthem Blue Cross 2 $270,000
6. Kaiser Foundation Health Plan, Inc./KP Financial Services 2 $270,000
7. California Association of Health Plans 6 $70,000
8. National Association of Health Underwriters 2 $50,500
9. Warner Pacific Insurance Services 1 $50,000
10. California Association of Health Underwriters 1 $50,000

Note: Committees campaigning for or against a proposition can contribute money to other committees working to support or oppose any of the propositions on the November ballot.

Credits: Lily Mihalik, Maloy Moore, Anthony Pesce.