Proposition 45 was defeated by California voters. The measure would have given the state’s insurance commissioner the authority to reject excessive rate hikes in health insurance sold on the individual and small-business markets. Get detailed election results for Proposition 45 from the secretary of state.
Prop. 45 Defeated by Health Insurance Industry
Prop. 45 Defeated by Health Insurance Industry
Prop. 45 Fight Worthy of Television Drama
Prop. 45: Tougher Rules on Health Insurance Rates
Field Poll Shows Support Slipping for Two Health Propositions
Strong Support for Proposition 45 -- Tougher Rules on Health Insurance Rates
Opposing Sides Testify Before State Committee over Insurance Proposition
Insurance Commissioner Defends Health Insurance Initiative
Sponsored
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Murrow award for investigative reporting, a Society of Professional Journalists award for long-form storytelling, and a Carter Center Fellowship for Mental Health Journalism.\r\n\r\nDembosky reported and produced \u003cem>Soundtrack of Silence\u003c/em>, an audio documentary about music and memory that is currently being made into a feature film by Paramount Pictures.\r\n\r\nBefore joining KQED in 2013, Dembosky covered technology and Silicon Valley for \u003cem>The Financial Times of London,\u003c/em> and contributed business and arts stories to \u003cem>Marketplace \u003c/em>and \u003cem>The New York Times.\u003c/em> She got her undergraduate degree in philosophy from Smith College and her master's in journalism from the University of California, Berkeley. She is a classically trained violinist and proud alum of the first symphony orchestra at Burning Man.","avatar":"https://secure.gravatar.com/avatar/ef92999be4ceb9ea60701e7dc276f813?s=600&d=blank&r=g","twitter":"adembosky","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["author"]},{"site":"news","roles":["editor"]},{"site":"futureofyou","roles":["author"]},{"site":"stateofhealth","roles":["editor"]},{"site":"science","roles":["editor"]},{"site":"forum","roles":["editor"]}],"headData":{"title":"April Dembosky | KQED","description":"KQED Health Correspondent","ogImgSrc":"https://secure.gravatar.com/avatar/ef92999be4ceb9ea60701e7dc276f813?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/ef92999be4ceb9ea60701e7dc276f813?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/adembosky"},"state-of-health":{"type":"authors","id":"8344","meta":{"index":"authors_1591205172","id":"8344","found":true},"name":"State of Health","firstName":"State of 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KQED","description":null,"ogImgSrc":"https://secure.gravatar.com/avatar/66de4bf6d331fa7402bba1ffe8135e17?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/66de4bf6d331fa7402bba1ffe8135e17?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/state-of-health"}},"breakingNewsReducer":{},"campaignFinanceReducer":{},"firebase":{"requesting":{},"requested":{},"timestamps":{},"data":{},"ordered":{},"auth":{"isLoaded":false,"isEmpty":true},"authError":null,"profile":{"isLoaded":false,"isEmpty":true},"listeners":{"byId":{},"allIds":[]},"isInitializing":false,"errors":[]},"navBarReducer":{"navBarId":"news","fullView":true,"showPlayer":false},"navMenuReducer":{"menus":[{"key":"menu1","items":[{"name":"News","link":"/","type":"title"},{"name":"Politics","link":"/politics"},{"name":"Science","link":"/science"},{"name":"Education","link":"/educationnews"},{"name":"Housing","link":"/housing"},{"name":"Immigration","link":"/immigration"},{"name":"Criminal 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FM","link":"/"}},"stateofhealth_22342":{"type":"posts","id":"stateofhealth_22342","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"22342","score":null,"sort":[1415177237000]},"guestAuthors":[],"slug":"prop-45-attacked-by-health-insurance-industry","title":"Prop. 45 Defeated by Health Insurance Industry","publishDate":1415177237,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_22350\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/11/5161_transform.jpg\">\u003cimg class=\"size-full wp-image-22350\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/11/5161_transform.jpg\" alt=\"The law would require health insurers to publicly disclose and justify their rates. (Getty Images)\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2014/11/5161_transform.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2014/11/5161_transform-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2014/11/5161_transform-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The law would require health insurers to publicly disclose and justify their rates. (Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>Update, 12:30 a.m.\u003c/strong>\u003cbr>\nAt first glance, Proposition 45 seemed like a no-brainer for consumers. The measure would have given the state’s insurance commissioner the authority to reject excessive rate hikes in health insurance sold on the individual and small-business markets.\u003c/p>\n\u003cp>Consumers who had seen their premiums go up by double digits year after year clung to Prop. 45 as the savior.\u003c/p>\n\u003cp>“I felt like a frog in hot water that got hotter and hotter until it was boiling,” says Josh Libresco, a market researcher who has bought health insurance for his family on the individual market for 20 years.\u003c/p>\n\u003cp>\u003c!--more-->But consumer voices like this were overwhelmed in the conversation around Prop. 45 by health insurance companies, including Kaiser and Blue Cross Blue Shield, which raised $43.6 million to defeat the measure. The proponents raised just $2.5 million.\u003c/p>\n\u003cp>“Health insurance companies have a tremendous economic stake in the outcome,” says Daniel G. Newman, president and co-founder of MapLight, a nonpartisan research organization that tracks the influence of money on politics. “There’s also billions of dollars at stake for health care consumers, but consumers don’t have millions collectively to put in favor of a ballot measure.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The No side was further bolstered by \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/07/02/fight-continues-over-ballot-measure-to-control-health-insurance-premiums/\" target=\"_blank\">concerns raised by Covered California\u003c/a>, the state agency tasked with implementing the Affordable Care Act in California. Board members and staff discussed various complications that could arise from Prop. 45 and complicate Covered California’s ability to carry out its mission, pitting the agency against the current commissioner, Dave Jones, in \u003ca href=\"http://ww2.kqed.org/stateofhealth/tag/proposition-45/\" target=\"_blank\">an unusual dispute between allies\u003c/a>.\u003c/p>\n\u003cp>The agency negotiates rates with insurers directly, and feared that a challenge to those rates under Prop. 45 could undo that work, delay final rates beyond federal deadlines or even cause insurers to withdraw plans from the state marketplace.\u003c/p>\n\u003cp>Insurance companies made Covered California an unlikely bedfellow, weaving its concerns into the industry’s ad campaign and urging people to vote no on Prop. 45 to \"protect the Affordable Care Act.\"\u003c/p>\n\u003cp>The influence of that campaign appears to have worked with voters. A poll from the middle of the summer showed 69 percent of likely voters favored Prop. 45 and giving the commissioner more power to control health insurance rates.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>By election night, that support slipped to just about 40 percent.\u003c/p>\n\n","blocks":[],"excerpt":"Initiative would give state’s elected insurance commissioner more power over health insurance plans.","status":"publish","parent":0,"modified":1415177426,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":12,"wordCount":416},"headData":{"title":"Prop. 45 Defeated by Health Insurance Industry | KQED","description":"Initiative would give state’s elected insurance commissioner more power over health insurance plans.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"22342 http://blogs.kqed.org/stateofhealth/?p=22342","disqusUrl":"https://ww2.kqed.org/stateofhealth/2014/11/05/prop-45-attacked-by-health-insurance-industry/","disqusTitle":"Prop. 45 Defeated by Health Insurance Industry","path":"/stateofhealth/22342/prop-45-attacked-by-health-insurance-industry","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_22350\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/11/5161_transform.jpg\">\u003cimg class=\"size-full wp-image-22350\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/11/5161_transform.jpg\" alt=\"The law would require health insurers to publicly disclose and justify their rates. (Getty Images)\" width=\"640\" height=\"360\" srcset=\"https://ww2.kqed.org/app/uploads/sites/27/2014/11/5161_transform.jpg 640w, https://ww2.kqed.org/app/uploads/sites/27/2014/11/5161_transform-400x225.jpg 400w, https://ww2.kqed.org/app/uploads/sites/27/2014/11/5161_transform-320x180.jpg 320w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">The law would require health insurers to publicly disclose and justify their rates. (Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>Update, 12:30 a.m.\u003c/strong>\u003cbr>\nAt first glance, Proposition 45 seemed like a no-brainer for consumers. The measure would have given the state’s insurance commissioner the authority to reject excessive rate hikes in health insurance sold on the individual and small-business markets.\u003c/p>\n\u003cp>Consumers who had seen their premiums go up by double digits year after year clung to Prop. 45 as the savior.\u003c/p>\n\u003cp>“I felt like a frog in hot water that got hotter and hotter until it was boiling,” says Josh Libresco, a market researcher who has bought health insurance for his family on the individual market for 20 years.\u003c/p>\n\u003cp>\u003c!--more-->But consumer voices like this were overwhelmed in the conversation around Prop. 45 by health insurance companies, including Kaiser and Blue Cross Blue Shield, which raised $43.6 million to defeat the measure. The proponents raised just $2.5 million.\u003c/p>\n\u003cp>“Health insurance companies have a tremendous economic stake in the outcome,” says Daniel G. Newman, president and co-founder of MapLight, a nonpartisan research organization that tracks the influence of money on politics. “There’s also billions of dollars at stake for health care consumers, but consumers don’t have millions collectively to put in favor of a ballot measure.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The No side was further bolstered by \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/07/02/fight-continues-over-ballot-measure-to-control-health-insurance-premiums/\" target=\"_blank\">concerns raised by Covered California\u003c/a>, the state agency tasked with implementing the Affordable Care Act in California. Board members and staff discussed various complications that could arise from Prop. 45 and complicate Covered California’s ability to carry out its mission, pitting the agency against the current commissioner, Dave Jones, in \u003ca href=\"http://ww2.kqed.org/stateofhealth/tag/proposition-45/\" target=\"_blank\">an unusual dispute between allies\u003c/a>.\u003c/p>\n\u003cp>The agency negotiates rates with insurers directly, and feared that a challenge to those rates under Prop. 45 could undo that work, delay final rates beyond federal deadlines or even cause insurers to withdraw plans from the state marketplace.\u003c/p>\n\u003cp>Insurance companies made Covered California an unlikely bedfellow, weaving its concerns into the industry’s ad campaign and urging people to vote no on Prop. 45 to \"protect the Affordable Care Act.\"\u003c/p>\n\u003cp>The influence of that campaign appears to have worked with voters. A poll from the middle of the summer showed 69 percent of likely voters favored Prop. 45 and giving the commissioner more power to control health insurance rates.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>By election night, that support slipped to just about 40 percent.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/22342/prop-45-attacked-by-health-insurance-industry","authors":["3205"],"categories":["stateofhealth_15","stateofhealth_14"],"tags":["stateofhealth_808"],"featImg":"stateofhealth_22350","label":"stateofhealth"},"stateofhealth_22011":{"type":"posts","id":"stateofhealth_22011","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"22011","score":null,"sort":[1413184247000]},"guestAuthors":[],"slug":"prop-45-fight-worthy-of-television-drama","title":"Prop. 45 Fight Worthy of Television Drama","publishDate":1413184247,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_22018\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/10/469263795-e1413059491589.jpg\">\u003cimg class=\"size-large wp-image-22018\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/10/469263795-640x448.jpg\" alt='Kevin Spacey stars as Frank Underwood in the Netflix series \"House of Cards.\" (Kevin Winter/Getty Images)' width=\"640\" height=\"448\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Kevin Spacey stars as Frank Underwood in the Netflix series \"House of Cards.\" (Kevin Winter/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>The power play behind Proposition 45 could be fodder for an episode of House of Cards:\u003c/p>\n\u003caside class=\"pullquote alignleft\">Dave Jones might not like this comparison, but he's the Frank Underwood in this fight.\u003c/aside>\n\u003cp>“Power is a lot like real estate. It’s all about location, location, location. The closer you are to the source, the higher your property value,” so goes protagonist Frank Underwood, who plays the menacing House majority whip scheming to get closer to the president.\u003c/p>\n\u003cp>You'd never think there'd be such positioning over who gets to regulate health insurance.\u003c/p>\n\u003cp>But this is California. And no less than three state agencies want to have a say in this one.\u003c!--more-->\u003c/p>\n\u003cp>“I’ve taken a look at the regulation at the Department of Insurance and concluded it’s abysmal,” says Dave Jones the state’s insurance commissioner. “It’s too weak, it doesn’t provide enough teeth.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Jones wouldn't like this comparison, but he's the Frank in this fight. Now, I’m not saying Jones is sneaky or evil. But he is campaigning for Prop. 45 to give himself the power to reject rate hikes in health insurance, even though there are two state agencies that already review rates: the Department of Insurance and the Department of Managed Health Care.\u003c/p>\n\u003cp>“But neither department has the ability to actually reject health insurance rates that are excessive,” Jones says. “And review simply isn’t enough. We’ve been reviewing for four years now and rates continue to climb.”\u003c/p>\n\u003cp>It's a message that resonates with a lot of voters. Many have been waiting for someone to do something about skyrocketing health premiums. Like Josh Libresco, a market researcher in San Rafael who buys his own insurance. Health care costs for his family have gone up more than a thousand percent in the last fifteen years.\u003c/p>\n\u003cp>“It has become our single biggest expense. Bigger than my mortgage. Bigger than my daughters’ college tuition, which is incredible,” he says.\u003c/p>\n\u003cp>Testimonials like this make Prop. 45 seem like a slam dunk. But here’s the plot twist.\u003c/p>\n\u003cp>The commissioners’ own allies are against him on this one.\u003c/p>\n\u003cp>Covered California is the state agency tasked with implementing the Affordable Care Act in California. Susan Kennedy is a member of the board. It’s a stretch, but let’s cast her as Jackie Sharp from Season Two of House of Cards.\u003c/p>\n\u003cp>“I’ve been in politics and government for the last 25, 30 years,” Kennedy says. She served as cabinet secretary for Governor Gray Davis and chief of staff to Gov. Arnold Schwarzenegger.\u003c/p>\n\u003cp>In the show, Jackie and Frank are united on most issues –- until they aren’t. Similarly, Commissioner Jones and Covered California are on the same side when it comes to Obamacare.\u003c/p>\n\u003cp>But they disagree big time on whether Prop. 45 would help health reform or undermine it.\u003c/p>\n\u003cp>Jones says Prop. 45 is the missing piece of the Affordable Care Act; Kennedy says the timing is all wrong, and that the measure would interfere with Covered California’s ability to do its job.\u003c/p>\n\u003cp>“It would be one thing if we were to vote for Prop. 45 before we had begun implementing Obamacare, but I just don’t see how it’s possible to inject an entirely different system into an existing one and not expect it to cause chaos, delay, and cost,” she says.\u003c/p>\n\u003cp>Covered California has its own power to negotiate with insurers who want to sell health plans through the state’s individual and small business marketplace. The agency keeps an eye to cost already, but Kennedy says that’s not its only priority.\u003c/p>\n\u003cp>“For the last hundred years, health care reform has been about controlling the cost of health care. And, we want to improve quality of care and the outcomes of health care as opposed to just the cost,” she says. “Those are sometimes very conflicting goals.”\u003c/p>\n\u003cp>In the Hollywood version of this debate, one side self-implodes, or pulls out a dirty trick to throw the others’ credibility into question. But in real life in Sacramento, this is where the debate spirals into a long he-said-she-said and ends with Dave Jones swearing it can all work out and everyone can work together.\u003c/p>\n\u003cp>“The Department of Insurance, which has had over 25 years’ experience with rate regulation for all these other insurance products has reviewed Prop. 45 and concluded that Prop. 45 can be implemented consistent with Covered California,” he says.\u003c/p>\n\u003cp>Polls show support for the measure is slipping, with a third of voters still undecided.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>So I guess by my own metaphor, this makes me journalist Zoe Barnes, a comparison I do not appreciate, thank you very much. I assure you there were no shady deals in the making if this story. Though I’m pretty sure Dave Jones and Susan Kennedy will not be responding to my texts for a while.\u003c/p>\n\n","blocks":[],"excerpt":"You'd never think there'd be such positioning over who gets to regulate health insurance.","status":"publish","parent":0,"modified":1413347995,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":25,"wordCount":884},"headData":{"title":"Prop. 45 Fight Worthy of Television Drama | KQED","description":"You'd never think there'd be such positioning over who gets to regulate health insurance.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"22011 http://blogs.kqed.org/stateofhealth/?p=22011","disqusUrl":"https://ww2.kqed.org/stateofhealth/2014/10/13/prop-45-fight-worthy-of-television-drama/","disqusTitle":"Prop. 45 Fight Worthy of Television Drama","path":"/stateofhealth/22011/prop-45-fight-worthy-of-television-drama","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_22018\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/10/469263795-e1413059491589.jpg\">\u003cimg class=\"size-large wp-image-22018\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/10/469263795-640x448.jpg\" alt='Kevin Spacey stars as Frank Underwood in the Netflix series \"House of Cards.\" (Kevin Winter/Getty Images)' width=\"640\" height=\"448\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Kevin Spacey stars as Frank Underwood in the Netflix series \"House of Cards.\" (Kevin Winter/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>The power play behind Proposition 45 could be fodder for an episode of House of Cards:\u003c/p>\n\u003caside class=\"pullquote alignleft\">Dave Jones might not like this comparison, but he's the Frank Underwood in this fight.\u003c/aside>\n\u003cp>“Power is a lot like real estate. It’s all about location, location, location. The closer you are to the source, the higher your property value,” so goes protagonist Frank Underwood, who plays the menacing House majority whip scheming to get closer to the president.\u003c/p>\n\u003cp>You'd never think there'd be such positioning over who gets to regulate health insurance.\u003c/p>\n\u003cp>But this is California. And no less than three state agencies want to have a say in this one.\u003c!--more-->\u003c/p>\n\u003cp>“I’ve taken a look at the regulation at the Department of Insurance and concluded it’s abysmal,” says Dave Jones the state’s insurance commissioner. “It’s too weak, it doesn’t provide enough teeth.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Jones wouldn't like this comparison, but he's the Frank in this fight. Now, I’m not saying Jones is sneaky or evil. But he is campaigning for Prop. 45 to give himself the power to reject rate hikes in health insurance, even though there are two state agencies that already review rates: the Department of Insurance and the Department of Managed Health Care.\u003c/p>\n\u003cp>“But neither department has the ability to actually reject health insurance rates that are excessive,” Jones says. “And review simply isn’t enough. We’ve been reviewing for four years now and rates continue to climb.”\u003c/p>\n\u003cp>It's a message that resonates with a lot of voters. Many have been waiting for someone to do something about skyrocketing health premiums. Like Josh Libresco, a market researcher in San Rafael who buys his own insurance. Health care costs for his family have gone up more than a thousand percent in the last fifteen years.\u003c/p>\n\u003cp>“It has become our single biggest expense. Bigger than my mortgage. Bigger than my daughters’ college tuition, which is incredible,” he says.\u003c/p>\n\u003cp>Testimonials like this make Prop. 45 seem like a slam dunk. But here’s the plot twist.\u003c/p>\n\u003cp>The commissioners’ own allies are against him on this one.\u003c/p>\n\u003cp>Covered California is the state agency tasked with implementing the Affordable Care Act in California. Susan Kennedy is a member of the board. It’s a stretch, but let’s cast her as Jackie Sharp from Season Two of House of Cards.\u003c/p>\n\u003cp>“I’ve been in politics and government for the last 25, 30 years,” Kennedy says. She served as cabinet secretary for Governor Gray Davis and chief of staff to Gov. Arnold Schwarzenegger.\u003c/p>\n\u003cp>In the show, Jackie and Frank are united on most issues –- until they aren’t. Similarly, Commissioner Jones and Covered California are on the same side when it comes to Obamacare.\u003c/p>\n\u003cp>But they disagree big time on whether Prop. 45 would help health reform or undermine it.\u003c/p>\n\u003cp>Jones says Prop. 45 is the missing piece of the Affordable Care Act; Kennedy says the timing is all wrong, and that the measure would interfere with Covered California’s ability to do its job.\u003c/p>\n\u003cp>“It would be one thing if we were to vote for Prop. 45 before we had begun implementing Obamacare, but I just don’t see how it’s possible to inject an entirely different system into an existing one and not expect it to cause chaos, delay, and cost,” she says.\u003c/p>\n\u003cp>Covered California has its own power to negotiate with insurers who want to sell health plans through the state’s individual and small business marketplace. The agency keeps an eye to cost already, but Kennedy says that’s not its only priority.\u003c/p>\n\u003cp>“For the last hundred years, health care reform has been about controlling the cost of health care. And, we want to improve quality of care and the outcomes of health care as opposed to just the cost,” she says. “Those are sometimes very conflicting goals.”\u003c/p>\n\u003cp>In the Hollywood version of this debate, one side self-implodes, or pulls out a dirty trick to throw the others’ credibility into question. But in real life in Sacramento, this is where the debate spirals into a long he-said-she-said and ends with Dave Jones swearing it can all work out and everyone can work together.\u003c/p>\n\u003cp>“The Department of Insurance, which has had over 25 years’ experience with rate regulation for all these other insurance products has reviewed Prop. 45 and concluded that Prop. 45 can be implemented consistent with Covered California,” he says.\u003c/p>\n\u003cp>Polls show support for the measure is slipping, with a third of voters still undecided.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>So I guess by my own metaphor, this makes me journalist Zoe Barnes, a comparison I do not appreciate, thank you very much. I assure you there were no shady deals in the making if this story. Though I’m pretty sure Dave Jones and Susan Kennedy will not be responding to my texts for a while.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/22011/prop-45-fight-worthy-of-television-drama","authors":["3205"],"categories":["stateofhealth_15","stateofhealth_14"],"tags":["stateofhealth_28","stateofhealth_808"],"featImg":"stateofhealth_22018","label":"stateofhealth"},"news_10342454":{"type":"posts","id":"news_10342454","meta":{"index":"posts_1591205157","site":"news","id":"10342454","score":null,"sort":[1412388960000]},"guestAuthors":[],"slug":"prop-45-tougher-rules-on-health-insurance-rates","title":"Prop. 45: Tougher Rules on Health Insurance Rates","publishDate":1412388960,"format":"standard","headTitle":"California Election Watch 2014 | Forum | KQED News","labelTerm":{"site":"forum"},"content":"\u003cp>As part of our ongoing California Election Watch 2014 coverage we'll discuss Proposition 45, which would give the California state insurance commissioner the authority to reject excessive health insurance premium rate hikes. \u003ca href=\"http://www.kqed.org/epArchive/R201410030900?pid=RD19\" target=\"_blank\" class=\"rssmi_more\">Read More ...\u003c/a> \u003c/p>\n\u003cp>Source: \u003ca href=\"http://www.kqed.org/epArchive/R201410030900?pid=RD19\" target=\"_blank\" title=\"Prop. 45: Tougher Rules on Health Insurance Rates\">Forum Election Coverage\u003c/a>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\u003cp>\u003c/p>\n","blocks":[],"excerpt":"As part of our ongoing California Election Watch 2014 coverage we'll discuss Proposition 45, which would give the California state insurance commissioner the authority to reject excessive health insurance premium rate hikes. \u003ca href=\"http://www.kqed.org/epArchive/R201410030900?pid=RD19\" target=\"_blank\" class=\"rssmi_more\">Read More ...\u003c/a>","status":"publish","parent":0,"modified":1413326319,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":4,"wordCount":41},"headData":{"title":"Prop. 45: Tougher Rules on Health Insurance Rates | KQED","description":"As part of our ongoing California Election Watch 2014 coverage we'll discuss Proposition 45, which would give the California state insurance commissioner the authority to reject excessive health insurance premium rate hikes. Read More ...","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"10342454 http://ww2.kqed.org/news/?p=10342454","disqusUrl":"https://ww2.kqed.org/news/2014/10/03/prop-45-tougher-rules-on-health-insurance-rates/","disqusTitle":"Prop. 45: Tougher Rules on Health Insurance Rates","redirect":{"type":"external","url":"http://www.kqed.org/epArchive/R201410030900?pid=RD19"},"rssmiSourceLink":"http://www.kqed.org/epArchive/R201410030900?pid=RD19","path":"/news/10342454/prop-45-tougher-rules-on-health-insurance-rates","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>As part of our ongoing California Election Watch 2014 coverage we'll discuss Proposition 45, which would give the California state insurance commissioner the authority to reject excessive health insurance premium rate hikes. \u003ca href=\"http://www.kqed.org/epArchive/R201410030900?pid=RD19\" target=\"_blank\" class=\"rssmi_more\">Read More ...\u003c/a> \u003c/p>\n\u003cp>Source: \u003ca href=\"http://www.kqed.org/epArchive/R201410030900?pid=RD19\" target=\"_blank\" title=\"Prop. 45: Tougher Rules on Health Insurance Rates\">Forum Election Coverage\u003c/a>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"http://www.kqed.org/epArchive/R201410030900?pid=RD19","authors":["236"],"programs":["news_18537"],"series":["news_6304"],"categories":["news_8"],"tags":["news_1054","news_6829"],"featImg":"news_10342455","label":"news"},"stateofhealth_21494":{"type":"posts","id":"stateofhealth_21494","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"21494","score":null,"sort":[1410456112000]},"guestAuthors":[],"slug":"field-poll-shows-support-slipping-for-two-health-propositions","title":"Field Poll Shows Support Slipping for Two Health Propositions","publishDate":1410456112,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_21498\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/09/RS3730_voters-at-polling-place-Getty-scr-e1410456027533.jpg\">\u003cimg class=\"size-large wp-image-21498\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/09/RS3730_voters-at-polling-place-Getty-scr-640x352.jpg\" alt=\"(David Paul Morris/Getty Images)\" width=\"640\" height=\"352\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(David Paul Morris/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>A new \u003ca title=\"Field Poll on Props. 45 and 46\" href=\"http://www.field.com/fieldpollonline/subscribers/Rls2485.pdf\" target=\"_blank\">Field Poll\u003c/a> shows voter support dropping for two propositions on the November ballot.\u003c/p>\n\u003cp>Prop. 45 would give the state insurance commissioner the authority to reject excessive rate hikes. Support has dropped from 69 percent early in the summer to 41 percent in the current poll. Twenty-six percent are opposed and 33 percent are undecided.\u003c/p>\n\u003cp>Prop. 46 would require drug testing of doctors and increase the cap on pain and suffering awards in medical negligence lawsuits from $250,000 to $1.1 million. Early this summer, support stood at 58 percent; today it is 34 percent, with 30 percent opposed and 29 percent undecided.\u003c/p>\n\u003cp>\"This current poll is relatively big news on Prop. 46. I don't think its chances of passage are all that great,\" Field Poll director Mark DiCamillo \u003ca title=\"Field Poll on Propositions 45, 46\" href=\"http://www.sfgate.com/politics/article/Field-Poll-finds-support-slipping-for-Props-45-5747522.php\" target=\"_blank\">told the San Francisco Chronicle\u003c/a>. He added that it's harder to predict what might happen with Prop. 45.\u003c!--more-->\u003c/p>\n\u003cp>The opponents of both propositions are spending big to defeat the measures. \u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>From the\u003ca href=\"http://www.sfgate.com/politics/article/Field-Poll-finds-support-slipping-for-Props-45-5747522.php\" target=\"_blank\"> Chronicle\u003c/a>:\u003c/p>\n\u003cblockquote>\u003cp>\u003cspan style=\"color: #000000\">Prop. 45's leading supporters, including the state's insurance commissioner, \u003c/span>\u003ca style=\"color: #015660\" title=\"Insurance Commissioner Defends Health Insurance Initiative\" href=\"http://ww2.kqed.org/stateofhealth/2014/05/27/insurance-commissioner-defends-health-insurance-initiative/\" target=\"_blank\">Dave Jones\u003c/a>\u003cspan style=\"color: #000000\">, and the advocacy group \u003c/span>\u003ca style=\"color: #015660\" href=\"http://www.sfgate.com/?controllerName=search&action=search&channel=politics&search=1&inlineLink=1&query=%22Consumer+Watchdog%22\" target=\"_blank\">Consumer Watchdog\u003c/a>\u003cspan style=\"color: #000000\">, have been largely outspent by the major health insurers and other companies. According to campaign reporting figures, the backers have raised just $450,000 as of Sept. 9 while opponents have spent $24 million to kill it.\u003c/span>\u003c/p>\n\u003cp>Prop. 46's detractors, physicians and medical malpractice companies, have contributed $59 million to persuade voters to reject the measure while its supporters have spent a comparatively paltry $4.5 million.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c/p>\n\u003cp>The poll was conducted from August 14-28, and included 467 voters considered likely to vote in the November election. It has a margin of error of plus or minus 4.8 percentage points.\u003c/p>\n\n","blocks":[],"excerpt":"Both measures had strong support early in the summer, but well below 50 percent today.","status":"publish","parent":0,"modified":1410475429,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":11,"wordCount":298},"headData":{"title":"Field Poll Shows Support Slipping for Two Health Propositions | KQED","description":"Both measures had strong support early in the summer, but well below 50 percent today.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"21494 http://blogs.kqed.org/stateofhealth/?p=21494","disqusUrl":"https://ww2.kqed.org/stateofhealth/2014/09/11/field-poll-shows-support-slipping-for-two-health-propositions/","disqusTitle":"Field Poll Shows Support Slipping for Two Health Propositions","path":"/stateofhealth/21494/field-poll-shows-support-slipping-for-two-health-propositions","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_21498\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/09/RS3730_voters-at-polling-place-Getty-scr-e1410456027533.jpg\">\u003cimg class=\"size-large wp-image-21498\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/09/RS3730_voters-at-polling-place-Getty-scr-640x352.jpg\" alt=\"(David Paul Morris/Getty Images)\" width=\"640\" height=\"352\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(David Paul Morris/Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>A new \u003ca title=\"Field Poll on Props. 45 and 46\" href=\"http://www.field.com/fieldpollonline/subscribers/Rls2485.pdf\" target=\"_blank\">Field Poll\u003c/a> shows voter support dropping for two propositions on the November ballot.\u003c/p>\n\u003cp>Prop. 45 would give the state insurance commissioner the authority to reject excessive rate hikes. Support has dropped from 69 percent early in the summer to 41 percent in the current poll. Twenty-six percent are opposed and 33 percent are undecided.\u003c/p>\n\u003cp>Prop. 46 would require drug testing of doctors and increase the cap on pain and suffering awards in medical negligence lawsuits from $250,000 to $1.1 million. Early this summer, support stood at 58 percent; today it is 34 percent, with 30 percent opposed and 29 percent undecided.\u003c/p>\n\u003cp>\"This current poll is relatively big news on Prop. 46. I don't think its chances of passage are all that great,\" Field Poll director Mark DiCamillo \u003ca title=\"Field Poll on Propositions 45, 46\" href=\"http://www.sfgate.com/politics/article/Field-Poll-finds-support-slipping-for-Props-45-5747522.php\" target=\"_blank\">told the San Francisco Chronicle\u003c/a>. He added that it's harder to predict what might happen with Prop. 45.\u003c!--more-->\u003c/p>\n\u003cp>The opponents of both propositions are spending big to defeat the measures. \u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>From the\u003ca href=\"http://www.sfgate.com/politics/article/Field-Poll-finds-support-slipping-for-Props-45-5747522.php\" target=\"_blank\"> Chronicle\u003c/a>:\u003c/p>\n\u003cblockquote>\u003cp>\u003cspan style=\"color: #000000\">Prop. 45's leading supporters, including the state's insurance commissioner, \u003c/span>\u003ca style=\"color: #015660\" title=\"Insurance Commissioner Defends Health Insurance Initiative\" href=\"http://ww2.kqed.org/stateofhealth/2014/05/27/insurance-commissioner-defends-health-insurance-initiative/\" target=\"_blank\">Dave Jones\u003c/a>\u003cspan style=\"color: #000000\">, and the advocacy group \u003c/span>\u003ca style=\"color: #015660\" href=\"http://www.sfgate.com/?controllerName=search&action=search&channel=politics&search=1&inlineLink=1&query=%22Consumer+Watchdog%22\" target=\"_blank\">Consumer Watchdog\u003c/a>\u003cspan style=\"color: #000000\">, have been largely outspent by the major health insurers and other companies. According to campaign reporting figures, the backers have raised just $450,000 as of Sept. 9 while opponents have spent $24 million to kill it.\u003c/span>\u003c/p>\n\u003cp>Prop. 46's detractors, physicians and medical malpractice companies, have contributed $59 million to persuade voters to reject the measure while its supporters have spent a comparatively paltry $4.5 million.\u003c/p>\u003c/blockquote>\n\u003cp>\u003c/p>\n\u003cp>The poll was conducted from August 14-28, and included 467 voters considered likely to vote in the November election. It has a margin of error of plus or minus 4.8 percentage points.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/21494/field-poll-shows-support-slipping-for-two-health-propositions","authors":["240"],"categories":["stateofhealth_14"],"tags":["stateofhealth_808"],"featImg":"stateofhealth_21498","label":"stateofhealth"},"stateofhealth_20949":{"type":"posts","id":"stateofhealth_20949","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"20949","score":null,"sort":[1408579003000]},"guestAuthors":[],"slug":"strong-support-for-proposition-45-tougher-rules-on-health-insurance-rates","title":"Strong Support for Proposition 45 -- Tougher Rules on Health Insurance Rates","publishDate":1408579003,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_14038\" class=\"wp-caption aligncenter\" style=\"max-width: 620px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/08/RS5161_78770400-scr-e1375404453328.jpg\">\u003cimg class=\"size-large wp-image-14038\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/08/RS5161_78770400-scr-620x356.jpg\" alt=\"(Getty Images)\" width=\"620\" height=\"356\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Helen Shen,\u003c/strong> \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2014/August/20/california-survey-health-insurance-rates-and-prop-45.aspx\" target=\"_blank\">Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>California voters are showing strong early support for a ballot initiative that would expand the state's authority to regulate health insurance rates.\u003c/p>\n\u003cp>Nearly 7 of every 10 respondents indicated that they would vote in favor of Proposition 45, while 16 percent would vote against it, according to a \u003ca href=\"http://www.field.com/fieldpollonline/subscribers/Rls2478.pdf\" target=\"_blank\">Field poll\u003c/a> released Wednesday.\u003c/p>\n\u003cp>Proposition 45 would give California's insurance commissioner the power to veto excessive health insurance rate increases.\u003c/p>\n\u003cp>Health insurance rates in the state are currently overseen by the Department of Managed Health Care and the California Department of Insurance. Insurance companies are required to submit proposed rate increases for review each year by state regulators, who may declare rates unreasonable but cannot block them from going into effect.\u003c!--more-->\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"This is the missing piece of health reform,\" says Carmen Balber, executive director of Consumer Watchdog in Santa Monica, the advocacy group that sponsored the initiative. \"If every Californian is required to purchase health insurance and no one is overseeing what insurance companies can charge, the insurance industry will have a free pass to raise prices at will.\"\u003c/p>\n\u003cp>Insurance Commissioner Dave Jones \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/05/27/insurance-commissioner-defends-health-insurance-initiative/\" target=\"_blank\">strongly supports the proposition\u003c/a>.\u003c/p>\n\u003cp>Since 2011, insurers have proceeded at least 14 times with rate hikes deemed unreasonable by California regulators, according to the California Public Interest Research Group, a consumer advocacy group in Sacramento. Consumer Watchdog says that those rate increases have cost consumers more than $250 million.\u003c/p>\n\u003cp>Not everyone agrees that Proposition 45 will cut health insurance costs, however. Critics say that the initiative would do nothing to reduce underlying health care costs, but could add a costly bureaucracy to the state's health insurance marketplace. Some also worry that the proposition could expose insurers to legal challenges on rate increases.\u003c/p>\n\u003cp>\"It's going to drive the costs up dramatically,\" says Neil Crosby, a spokesperson for the California Association of Health Underwriters, a Sacramento-based group that represents the private health insurance industry. The campaign against Proposition 45 has received major financial backing from insurance providers such as the Kaiser Foundation Health Plan and Blue Shield of California. (Kaiser Health News is not affiliated with Kaiser Permanente or the Kaiser Foundation Health Plan.)\u003c/p>\n\u003cp>Peter Lee, executive director of Covered California, the state's health care exchange, \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/07/02/fight-continues-over-ballot-measure-to-control-health-insurance-premiums/\" target=\"_blank\">told legislators in July\u003c/a> that the proposition could undermine the exchange's ability to negotiate rates directly with health plans. For now, the exchange wields the bargaining power of 1.4 million people having signed up for insurance through Covered California since last fall.\u003c/p>\n\u003cp>An additional layer of rate review and any potential disputes with the insurance commissioner could keep some plans from being available in time for open enrollment, Lee said, and might even cause some health plans to withdraw from certain markets.\u003c/p>\n\u003cp>Insurance laws vary widely from state to state, but more than half of states already require some health insurance rate increases to be approved by the government before they can be implemented, according to data from the National Association of Insurance Commissioners.\u003c/p>\n\u003cp>Some states that require prior approval of rates have had to plan ahead to meet open enrollment timelines under the health law, says Sabrina Corlette, a senior research fellow at the Georgetown University Health Policy Institute in Washington, D.C. But in general, she says the extra reviews have not posed a problem. \"We have not heard that plans just weren't ready to be sold when open enrollment came around,\" says Corlette.\u003c/p>\n\u003cp>The Field Poll was among the very first to survey state residents on Proposition 45, and a strong blitz by the insurance companies during the fall campaign season could affect public opinion. Insurers have donated millions of dollars to a campaign to defeat the measure.\u003c/p>\n\u003cp>Nonetheless, some observers say the proposition may not make a big difference in the short term.\u003c/p>\n\u003cp>Current market forces and the added restrictions from the health law seem to be helping to keep rate increases low in California, says Dylan Roby, a health policy professor at the University of California, Los Angeles. At the end of July, Covered California \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/07/31/californias-2015-obamacare-premiums-will-increase-modestly/\" target=\"_blank\">announced negotiated rate increases\u003c/a> for 2015, averaging a modest 4.2 percent across the state.\u003c/p>\n\u003cp>The additional oversight could become more relevant in the future, says Roby, if health care spending begins to increase dramatically.\u003c/p>\n\u003cp>At the same time, Roby warns that without proper foresight, the proposition could leave certain markets vulnerable to coverage disruptions. For example, he said, in areas that are costlier to insure, and especially where competition among insurers is lower, Covered California may be forced to accept higher rate increases to keep an insurer’s plan in that jurisdiction. But if the insurance commissioner were to reject those negotiated rates, the health plan could decide to pull out of that area altogether.\u003c/p>\n\u003cp>Close communication between all parties early on in rate negotiations will be key to maintaining statewide access to health insurance, if Proposition 45 passes in November, says Roby.\u003c/p>\n\u003cp>\"Balancing the needs of the insurance commissioner and Covered California could be tricky,\" he says.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The Field Poll, which looked at a variety of health issues including Medicaid and the Covered California exchange, was conducted through telephone interviews of more than 1,500 state residents from June 26 through July 19. It has a margin of error of plus or minus 2.6 percentage points.\u003c/p>\n\n","blocks":[],"excerpt":"Prop. 45 would give the state's insurance commissioner the authority to reject excessive rate increases.","status":"publish","parent":0,"modified":1408715997,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":24,"wordCount":895},"headData":{"title":"Strong Support for Proposition 45 -- Tougher Rules on Health Insurance Rates | KQED","description":"Prop. 45 would give the state's insurance commissioner the authority to reject excessive rate increases.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"20949 http://blogs.kqed.org/stateofhealth/?p=20949","disqusUrl":"https://ww2.kqed.org/stateofhealth/2014/08/20/strong-support-for-proposition-45-tougher-rules-on-health-insurance-rates/","disqusTitle":"Strong Support for Proposition 45 -- Tougher Rules on Health Insurance Rates","path":"/stateofhealth/20949/strong-support-for-proposition-45-tougher-rules-on-health-insurance-rates","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_14038\" class=\"wp-caption aligncenter\" style=\"max-width: 620px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/08/RS5161_78770400-scr-e1375404453328.jpg\">\u003cimg class=\"size-large wp-image-14038\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/08/RS5161_78770400-scr-620x356.jpg\" alt=\"(Getty Images)\" width=\"620\" height=\"356\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">(Getty Images)\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cstrong>By Helen Shen,\u003c/strong> \u003ca href=\"http://www.kaiserhealthnews.org/Stories/2014/August/20/california-survey-health-insurance-rates-and-prop-45.aspx\" target=\"_blank\">Kaiser Health News\u003c/a>\u003c/p>\n\u003cp>California voters are showing strong early support for a ballot initiative that would expand the state's authority to regulate health insurance rates.\u003c/p>\n\u003cp>Nearly 7 of every 10 respondents indicated that they would vote in favor of Proposition 45, while 16 percent would vote against it, according to a \u003ca href=\"http://www.field.com/fieldpollonline/subscribers/Rls2478.pdf\" target=\"_blank\">Field poll\u003c/a> released Wednesday.\u003c/p>\n\u003cp>Proposition 45 would give California's insurance commissioner the power to veto excessive health insurance rate increases.\u003c/p>\n\u003cp>Health insurance rates in the state are currently overseen by the Department of Managed Health Care and the California Department of Insurance. Insurance companies are required to submit proposed rate increases for review each year by state regulators, who may declare rates unreasonable but cannot block them from going into effect.\u003c!--more-->\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"This is the missing piece of health reform,\" says Carmen Balber, executive director of Consumer Watchdog in Santa Monica, the advocacy group that sponsored the initiative. \"If every Californian is required to purchase health insurance and no one is overseeing what insurance companies can charge, the insurance industry will have a free pass to raise prices at will.\"\u003c/p>\n\u003cp>Insurance Commissioner Dave Jones \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/05/27/insurance-commissioner-defends-health-insurance-initiative/\" target=\"_blank\">strongly supports the proposition\u003c/a>.\u003c/p>\n\u003cp>Since 2011, insurers have proceeded at least 14 times with rate hikes deemed unreasonable by California regulators, according to the California Public Interest Research Group, a consumer advocacy group in Sacramento. Consumer Watchdog says that those rate increases have cost consumers more than $250 million.\u003c/p>\n\u003cp>Not everyone agrees that Proposition 45 will cut health insurance costs, however. Critics say that the initiative would do nothing to reduce underlying health care costs, but could add a costly bureaucracy to the state's health insurance marketplace. Some also worry that the proposition could expose insurers to legal challenges on rate increases.\u003c/p>\n\u003cp>\"It's going to drive the costs up dramatically,\" says Neil Crosby, a spokesperson for the California Association of Health Underwriters, a Sacramento-based group that represents the private health insurance industry. The campaign against Proposition 45 has received major financial backing from insurance providers such as the Kaiser Foundation Health Plan and Blue Shield of California. (Kaiser Health News is not affiliated with Kaiser Permanente or the Kaiser Foundation Health Plan.)\u003c/p>\n\u003cp>Peter Lee, executive director of Covered California, the state's health care exchange, \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/07/02/fight-continues-over-ballot-measure-to-control-health-insurance-premiums/\" target=\"_blank\">told legislators in July\u003c/a> that the proposition could undermine the exchange's ability to negotiate rates directly with health plans. For now, the exchange wields the bargaining power of 1.4 million people having signed up for insurance through Covered California since last fall.\u003c/p>\n\u003cp>An additional layer of rate review and any potential disputes with the insurance commissioner could keep some plans from being available in time for open enrollment, Lee said, and might even cause some health plans to withdraw from certain markets.\u003c/p>\n\u003cp>Insurance laws vary widely from state to state, but more than half of states already require some health insurance rate increases to be approved by the government before they can be implemented, according to data from the National Association of Insurance Commissioners.\u003c/p>\n\u003cp>Some states that require prior approval of rates have had to plan ahead to meet open enrollment timelines under the health law, says Sabrina Corlette, a senior research fellow at the Georgetown University Health Policy Institute in Washington, D.C. But in general, she says the extra reviews have not posed a problem. \"We have not heard that plans just weren't ready to be sold when open enrollment came around,\" says Corlette.\u003c/p>\n\u003cp>The Field Poll was among the very first to survey state residents on Proposition 45, and a strong blitz by the insurance companies during the fall campaign season could affect public opinion. Insurers have donated millions of dollars to a campaign to defeat the measure.\u003c/p>\n\u003cp>Nonetheless, some observers say the proposition may not make a big difference in the short term.\u003c/p>\n\u003cp>Current market forces and the added restrictions from the health law seem to be helping to keep rate increases low in California, says Dylan Roby, a health policy professor at the University of California, Los Angeles. At the end of July, Covered California \u003ca href=\"http://ww2.kqed.org/stateofhealth/2014/07/31/californias-2015-obamacare-premiums-will-increase-modestly/\" target=\"_blank\">announced negotiated rate increases\u003c/a> for 2015, averaging a modest 4.2 percent across the state.\u003c/p>\n\u003cp>The additional oversight could become more relevant in the future, says Roby, if health care spending begins to increase dramatically.\u003c/p>\n\u003cp>At the same time, Roby warns that without proper foresight, the proposition could leave certain markets vulnerable to coverage disruptions. For example, he said, in areas that are costlier to insure, and especially where competition among insurers is lower, Covered California may be forced to accept higher rate increases to keep an insurer’s plan in that jurisdiction. But if the insurance commissioner were to reject those negotiated rates, the health plan could decide to pull out of that area altogether.\u003c/p>\n\u003cp>Close communication between all parties early on in rate negotiations will be key to maintaining statewide access to health insurance, if Proposition 45 passes in November, says Roby.\u003c/p>\n\u003cp>\"Balancing the needs of the insurance commissioner and Covered California could be tricky,\" he says.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>The Field Poll, which looked at a variety of health issues including Medicaid and the Covered California exchange, was conducted through telephone interviews of more than 1,500 state residents from June 26 through July 19. It has a margin of error of plus or minus 2.6 percentage points.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/20949/strong-support-for-proposition-45-tougher-rules-on-health-insurance-rates","authors":["8344"],"categories":["stateofhealth_14"],"tags":["stateofhealth_195","stateofhealth_808"],"featImg":"stateofhealth_14038","label":"stateofhealth"},"stateofhealth_19989":{"type":"posts","id":"stateofhealth_19989","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"19989","score":null,"sort":[1404350712000]},"guestAuthors":[],"slug":"fight-continues-over-ballot-measure-to-control-health-insurance-premiums","title":"Opposing Sides Testify Before State Committee over Insurance Proposition","publishDate":1404350712,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_16359\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/PEterLeeCROP-e1386913666627.jpg\">\u003cimg class=\"size-large wp-image-16359\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/PEterLeeCROP-640x464.jpg\" alt=\"Peter Lee, seen here in a 2012 photo, is the executive director of Covered California and testified Thursday before the joint legislative committee on health.\" width=\"640\" height=\"464\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Peter Lee, seen here in a 2012 photo, is the executive director of Covered California and testified Thursday before the joint legislative committee on health.\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cspan>State insurance commissioner Dave Jones is flatly rejecting accusations that a proposition on November's ballot would undermine the implementation of the Affordable Care Act in California.\u003c/span>\u003c/p>\n\u003cp>If passed by voters, Proposition 45 would give the commissioner the power to reject excessive rate hikes for health insurance –- and, he argues, keep health premiums affordable for consumers. Last month, Covered California, the state’s health insurance exchange, said the measure could compromise its operations, possibly causing delays in approving health plans before they are federally mandated to go on sale to consumers, or curtailing its own authority to negotiate the details of plans with insurers.\u003c/p>\n\u003cp>“These conclusions are fundamentally flawed,” Jones said on Wednesday, speaking before the state’s joint legislative committee on health.\u003c!--more-->\u003c/p>\n\u003cp>Jones issued a letter to the members of the committee detailing responses to the concerns and questions raised by Covered California. He said delays were unlikely given the small number of health insurers (40) and plans (100 per year) the commissioner would be tasked with overseeing under the initiative. This is compared to property insurers (500) and rate filings (7,000 year) currently overseen by his department.\u003c/p>\n\u003cp>He also emphasized that the scope of review under the measure would be limited to rates only. Covered California officials called the wording of the proposition “broad,” and said it could be interpreted to grant the commissioner power to review not only rates, but also specific benefits of health plans and the network of providers included in a plan.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>“It doesn’t. It doesn’t,” Jones said at the hearing. He argued that if voters do not pass the proposition, California would see less competition in the health insurance market, leaving consumers with less choice and ever-increasing health insurance premiums. He said Covered California failed to negotiate better rates for consumers last year, noting premiums on individual plans for 2013 had increased between 21 and 88 percent the following year.\u003c/p>\n\u003cp>Peter Lee, executive director of Covered California, said there is more to plans than just the premiums. Testifying at Wednesday’s hearing, he conceded on the point of timing, expressing new confidence that his and Jones’ agencies could work together to meet federally set deadlines for approving health plans before the start of open enrollment in mid-November. However, he said there could still be negative implications.\u003c/p>\n\u003cp>His main concern is that health insurers will simply withdraw their plans from the marketplace if the rates are rejected by the commissioner. This would leave consumers with less plans to choose from, and complicate how federal subsidies are calculated for all the consumers in that region. Subsidies, the financial assistance provided by the federal government to pay for plans, are calculated based, in part, on the number of plans available for sale in a particular market and prices. If one plan withdraws, or offers the previous year’s plan at the previous year’s rate, that complicates the calculation.\u003c/p>\n\u003cp>“The only thing we can be sure of is the uncertainty of the products that would be available,” Lee said.\u003c/p>\n\u003cp>Lee also responded to questions from committee members who worried that the measure would cause health insurers to become singularly focused on keeping rates down at the expense of the benefits included in health plans.\u003c/p>\n\u003cp>“People can get something cheap, but it may not have a good value,” said Assemblymember Richard Pan (D-Sacramento). “I hear from physicians who take care of minority populations. It is important that they are part of networks…and it is important for Covered California to make sure we have plans that pay attention to those things.”\u003c/p>\n\u003cp>Lee said the measure might compromise Covered California’s power to negotiate these plan designs, as well as efforts to promote innovation among plans. He said his agency wants to encourage plans to try new care delivery models or payment models that emphasize preventive care and could ultimately result in better health for patients in the long term.\u003c/p>\n\u003cp>“It may be that contracting with them costs more on the front end, but has better back end results in terms of outcomes,” he said, adding that the opportunity to experiment with these models could be lost of insurers focus only on providing the cheapest plan now. “This ripple effect is one of the big uncertainties.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Members of the joint committee called on both sides to conduct further analysis.\u003c/p>\n\n","blocks":[],"excerpt":"Prop. 45 would give the CA insurance commissioner power to reject excessive health insurance premiums.","status":"publish","parent":0,"modified":1404361807,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":16,"wordCount":781},"headData":{"title":"Opposing Sides Testify Before State Committee over Insurance Proposition | KQED","description":"Prop. 45 would give the CA insurance commissioner power to reject excessive health insurance premiums.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"19989 http://blogs.kqed.org/stateofhealth/?p=19989","disqusUrl":"https://ww2.kqed.org/stateofhealth/2014/07/02/fight-continues-over-ballot-measure-to-control-health-insurance-premiums/","disqusTitle":"Opposing Sides Testify Before State Committee over Insurance Proposition","path":"/stateofhealth/19989/fight-continues-over-ballot-measure-to-control-health-insurance-premiums","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_16359\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/PEterLeeCROP-e1386913666627.jpg\">\u003cimg class=\"size-large wp-image-16359\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2013/11/PEterLeeCROP-640x464.jpg\" alt=\"Peter Lee, seen here in a 2012 photo, is the executive director of Covered California and testified Thursday before the joint legislative committee on health.\" width=\"640\" height=\"464\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Peter Lee, seen here in a 2012 photo, is the executive director of Covered California and testified Thursday before the joint legislative committee on health.\u003c/figcaption>\u003c/figure>\n\u003cp>\u003cspan>State insurance commissioner Dave Jones is flatly rejecting accusations that a proposition on November's ballot would undermine the implementation of the Affordable Care Act in California.\u003c/span>\u003c/p>\n\u003cp>If passed by voters, Proposition 45 would give the commissioner the power to reject excessive rate hikes for health insurance –- and, he argues, keep health premiums affordable for consumers. Last month, Covered California, the state’s health insurance exchange, said the measure could compromise its operations, possibly causing delays in approving health plans before they are federally mandated to go on sale to consumers, or curtailing its own authority to negotiate the details of plans with insurers.\u003c/p>\n\u003cp>“These conclusions are fundamentally flawed,” Jones said on Wednesday, speaking before the state’s joint legislative committee on health.\u003c!--more-->\u003c/p>\n\u003cp>Jones issued a letter to the members of the committee detailing responses to the concerns and questions raised by Covered California. He said delays were unlikely given the small number of health insurers (40) and plans (100 per year) the commissioner would be tasked with overseeing under the initiative. This is compared to property insurers (500) and rate filings (7,000 year) currently overseen by his department.\u003c/p>\n\u003cp>He also emphasized that the scope of review under the measure would be limited to rates only. Covered California officials called the wording of the proposition “broad,” and said it could be interpreted to grant the commissioner power to review not only rates, but also specific benefits of health plans and the network of providers included in a plan.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>“It doesn’t. It doesn’t,” Jones said at the hearing. He argued that if voters do not pass the proposition, California would see less competition in the health insurance market, leaving consumers with less choice and ever-increasing health insurance premiums. He said Covered California failed to negotiate better rates for consumers last year, noting premiums on individual plans for 2013 had increased between 21 and 88 percent the following year.\u003c/p>\n\u003cp>Peter Lee, executive director of Covered California, said there is more to plans than just the premiums. Testifying at Wednesday’s hearing, he conceded on the point of timing, expressing new confidence that his and Jones’ agencies could work together to meet federally set deadlines for approving health plans before the start of open enrollment in mid-November. However, he said there could still be negative implications.\u003c/p>\n\u003cp>His main concern is that health insurers will simply withdraw their plans from the marketplace if the rates are rejected by the commissioner. This would leave consumers with less plans to choose from, and complicate how federal subsidies are calculated for all the consumers in that region. Subsidies, the financial assistance provided by the federal government to pay for plans, are calculated based, in part, on the number of plans available for sale in a particular market and prices. If one plan withdraws, or offers the previous year’s plan at the previous year’s rate, that complicates the calculation.\u003c/p>\n\u003cp>“The only thing we can be sure of is the uncertainty of the products that would be available,” Lee said.\u003c/p>\n\u003cp>Lee also responded to questions from committee members who worried that the measure would cause health insurers to become singularly focused on keeping rates down at the expense of the benefits included in health plans.\u003c/p>\n\u003cp>“People can get something cheap, but it may not have a good value,” said Assemblymember Richard Pan (D-Sacramento). “I hear from physicians who take care of minority populations. It is important that they are part of networks…and it is important for Covered California to make sure we have plans that pay attention to those things.”\u003c/p>\n\u003cp>Lee said the measure might compromise Covered California’s power to negotiate these plan designs, as well as efforts to promote innovation among plans. He said his agency wants to encourage plans to try new care delivery models or payment models that emphasize preventive care and could ultimately result in better health for patients in the long term.\u003c/p>\n\u003cp>“It may be that contracting with them costs more on the front end, but has better back end results in terms of outcomes,” he said, adding that the opportunity to experiment with these models could be lost of insurers focus only on providing the cheapest plan now. “This ripple effect is one of the big uncertainties.”\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Members of the joint committee called on both sides to conduct further analysis.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/19989/fight-continues-over-ballot-measure-to-control-health-insurance-premiums","authors":["3205"],"categories":["stateofhealth_15","stateofhealth_14"],"tags":["stateofhealth_368","stateofhealth_808"],"label":"stateofhealth"},"stateofhealth_19232":{"type":"posts","id":"stateofhealth_19232","meta":{"index":"posts_1591205157","site":"stateofhealth","id":"19232","score":null,"sort":[1401234051000]},"guestAuthors":[],"slug":"insurance-commissioner-defends-health-insurance-initiative","title":"Insurance Commissioner Defends Health Insurance Initiative","publishDate":1401234051,"format":"aside","headTitle":"State of Health | KQED News","labelTerm":{"site":"stateofhealth"},"content":"\u003cfigure id=\"attachment_19280\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/05/CDJOfficialPhoto.jpg\">\u003cimg class=\"size-large wp-image-19280\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/05/CDJOfficialPhoto-640x581.jpg\" alt=\"Dave Jones leads the California Department of Insurance. (Courtesy: Department of Insurance)\" width=\"640\" height=\"581\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Dave Jones leads the California Department of Insurance. (Courtesy: Department of Insurance)\u003c/figcaption>\u003c/figure>\n\u003cp>In this lull between the end of the first open enrollment for Covered California and the release of rates for next year — expected to be made public in July — San Francisco's Commonwealth Club invited the state's Commissioner of Insurance Dave Jones to talk about the state of the health care overhaul in California.\u003c/p>\n\u003cp>The commissioner closed his remarks by pitching for the rate review \u003ca href=\"http://www.sos.ca.gov/elections/ballot-measures/qualified-ballot-measures.htm\" target=\"_blank\">ballot initiative\u003c/a> coming up in November. As moderator of the discussion following, I fielded several questions from the audience about the upcoming initiative. To recap the basics: If passed, the initiative would give the insurance commissioner the authority to reject excessive health insurance rate increases.\u003c/p>\n\u003cp>The insurance commissioner already has that authority over auto, homeowner, property and casualty insurance — via voter-passed Proposition 103 back in 1988. Many voters are surprised, Jones said, to find out he cannot also reject health insurance premium increases. He called this lack of explicit authority a \"major missing piece of the Affordable Care Act.\"\u003c!--more-->\u003c/p>\n\u003cp>\"Californians have suffered from repeated health insurance rate hikes year after year,\" Jones said. \"On average (health insurance) rates in the last 10 years have gone up over 150 percent. That's five times the rate of inflation.\"\u003c/p>\n\u003cp>Jones also noted that 35 states have given their insurance commissioners \"the authority to reject health insurance rate hikes, but not California.\"\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>It's a measure that likely sounds appealing to plenty of voters, but\u003ca href=\"http://www.stophighercosts.com/reports/impact-on-covered-california\" target=\"_blank\"> a report\u003c/a> earlier this month determined that, if passed, the initiative could destabilize Covered California, the state's Obamacare exchange. The report was written by consultant Jon Kingsdale, the former head of the Massachusetts health exchange who has also been an advisor to the Obama administration on the Affordable Care Act. It was funded by \u003ca href=\"http://www.stophighercosts.com/about-us\" target=\"_blank\">Californians Against Higher Health Care Costs,\u003c/a> which includes the California Association of Health Plans.\u003c/p>\n\u003cp>Under state law, Covered California can negotiate with insurers and can reject plans from participating in the exchange. This leverage may have helped to moderate rates in the exchange's first year. Still, Covered California must submit accepted plans to the state's regulators for certification.\u003c/p>\n\u003cp>And here's where we get into the weeds of certifying insurance rates and what this initiative would do.\u003c/p>\n\u003cp>Under Prop. 103, consumer \"\u003ca href=\"http://www.insurance.ca.gov/0100-consumers/0285-p103/info.cfm\" target=\"_blank\">intervenors\u003c/a>\" can file challenges to rate hikes. They can recover \"reasonable costs and fees\" under certain circumstances for mounting a challenge. Intervenors do this now, on occasion, with the other types of insurance covered by Prop. 103.\u003c/p>\n\u003cp>But under the ACA, the individual market for health insurance is now sold only during an open enrollment period — just several weeks out of the year, not year-round like auto or homeowners insurance is.\u003c/p>\n\u003cp>Larry Levitt, senior vice president at the Kaiser Family Foundation, called the intervenor process \"a real wild card\" if approved for health insurance rates. \"\u003cspan class=\"Apple-style-span\" style=\"color: #000000\">\u003cspan class=\"Apple-style-span\">There is the potential for some real messiness here if rates are challenged and not finalized before open enrollment begins.\"\u003c/span>\u003c/span>\u003c/p>\n\u003cp>That messiness would extend beyond just the premium. Under the ACA, subsidies are set according to the cost of the second lowest-cost premium. \"Worst case,\" Levitt said, \"you enter open enrollment without final rates, for at least some plans, so you don't know what the second lowest-cost silver plan is, so you're not certain of the benchmark for the premium subsidies.\" In other words, you could have people picking plans at rates that might change down the line.\u003c/p>\n\u003cp>Jones insisted that worry was overblown, pointing out that his department has about 7,000 rate filings annually for property and casualty insurance. Only about 12 of those filings are challenged by intervenors, \"so .2 percent of all the rate filings have an intervenor,\" Jones said.\u003c/p>\n\u003cp>His department gets about 100 health insurance filings a year. \"I'm confident that we can review those and accommodate public input … to meet the timelines of the exchange,\" he said.\u003c/p>\n\u003cp>Covered California is expected to release its analysis of the initiatives impact in the next several weeks.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>[contextly_auto_sidebar id=\"eIAnY5A7JQrFZId6BPNFSsF4Ohn7xK19\"]\u003c/p>\n\n","blocks":[],"excerpt":"Dave Jones also noted that 35 states have 'the authority to reject health insurance rate hikes, but not California.'","status":"publish","parent":0,"modified":1412350740,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":18,"wordCount":692},"headData":{"title":"Insurance Commissioner Defends Health Insurance Initiative | KQED","description":"Dave Jones also noted that 35 states have 'the authority to reject health insurance rate hikes, but not California.'","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":""},"disqusIdentifier":"19232 http://blogs.kqed.org/stateofhealth/?p=19232","disqusUrl":"https://ww2.kqed.org/stateofhealth/2014/05/27/insurance-commissioner-defends-health-insurance-initiative/","disqusTitle":"Insurance Commissioner Defends Health Insurance Initiative","path":"/stateofhealth/19232/insurance-commissioner-defends-health-insurance-initiative","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cfigure id=\"attachment_19280\" class=\"wp-caption aligncenter\" style=\"max-width: 640px\">\u003ca href=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/05/CDJOfficialPhoto.jpg\">\u003cimg class=\"size-large wp-image-19280\" title=\"\" src=\"http://ww2.kqed.org/stateofhealth/wp-content/uploads/sites/27/2014/05/CDJOfficialPhoto-640x581.jpg\" alt=\"Dave Jones leads the California Department of Insurance. (Courtesy: Department of Insurance)\" width=\"640\" height=\"581\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Dave Jones leads the California Department of Insurance. (Courtesy: Department of Insurance)\u003c/figcaption>\u003c/figure>\n\u003cp>In this lull between the end of the first open enrollment for Covered California and the release of rates for next year — expected to be made public in July — San Francisco's Commonwealth Club invited the state's Commissioner of Insurance Dave Jones to talk about the state of the health care overhaul in California.\u003c/p>\n\u003cp>The commissioner closed his remarks by pitching for the rate review \u003ca href=\"http://www.sos.ca.gov/elections/ballot-measures/qualified-ballot-measures.htm\" target=\"_blank\">ballot initiative\u003c/a> coming up in November. As moderator of the discussion following, I fielded several questions from the audience about the upcoming initiative. To recap the basics: If passed, the initiative would give the insurance commissioner the authority to reject excessive health insurance rate increases.\u003c/p>\n\u003cp>The insurance commissioner already has that authority over auto, homeowner, property and casualty insurance — via voter-passed Proposition 103 back in 1988. Many voters are surprised, Jones said, to find out he cannot also reject health insurance premium increases. He called this lack of explicit authority a \"major missing piece of the Affordable Care Act.\"\u003c!--more-->\u003c/p>\n\u003cp>\"Californians have suffered from repeated health insurance rate hikes year after year,\" Jones said. \"On average (health insurance) rates in the last 10 years have gone up over 150 percent. That's five times the rate of inflation.\"\u003c/p>\n\u003cp>Jones also noted that 35 states have given their insurance commissioners \"the authority to reject health insurance rate hikes, but not California.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>It's a measure that likely sounds appealing to plenty of voters, but\u003ca href=\"http://www.stophighercosts.com/reports/impact-on-covered-california\" target=\"_blank\"> a report\u003c/a> earlier this month determined that, if passed, the initiative could destabilize Covered California, the state's Obamacare exchange. The report was written by consultant Jon Kingsdale, the former head of the Massachusetts health exchange who has also been an advisor to the Obama administration on the Affordable Care Act. It was funded by \u003ca href=\"http://www.stophighercosts.com/about-us\" target=\"_blank\">Californians Against Higher Health Care Costs,\u003c/a> which includes the California Association of Health Plans.\u003c/p>\n\u003cp>Under state law, Covered California can negotiate with insurers and can reject plans from participating in the exchange. This leverage may have helped to moderate rates in the exchange's first year. Still, Covered California must submit accepted plans to the state's regulators for certification.\u003c/p>\n\u003cp>And here's where we get into the weeds of certifying insurance rates and what this initiative would do.\u003c/p>\n\u003cp>Under Prop. 103, consumer \"\u003ca href=\"http://www.insurance.ca.gov/0100-consumers/0285-p103/info.cfm\" target=\"_blank\">intervenors\u003c/a>\" can file challenges to rate hikes. They can recover \"reasonable costs and fees\" under certain circumstances for mounting a challenge. Intervenors do this now, on occasion, with the other types of insurance covered by Prop. 103.\u003c/p>\n\u003cp>But under the ACA, the individual market for health insurance is now sold only during an open enrollment period — just several weeks out of the year, not year-round like auto or homeowners insurance is.\u003c/p>\n\u003cp>Larry Levitt, senior vice president at the Kaiser Family Foundation, called the intervenor process \"a real wild card\" if approved for health insurance rates. \"\u003cspan class=\"Apple-style-span\" style=\"color: #000000\">\u003cspan class=\"Apple-style-span\">There is the potential for some real messiness here if rates are challenged and not finalized before open enrollment begins.\"\u003c/span>\u003c/span>\u003c/p>\n\u003cp>That messiness would extend beyond just the premium. Under the ACA, subsidies are set according to the cost of the second lowest-cost premium. \"Worst case,\" Levitt said, \"you enter open enrollment without final rates, for at least some plans, so you don't know what the second lowest-cost silver plan is, so you're not certain of the benchmark for the premium subsidies.\" In other words, you could have people picking plans at rates that might change down the line.\u003c/p>\n\u003cp>Jones insisted that worry was overblown, pointing out that his department has about 7,000 rate filings annually for property and casualty insurance. Only about 12 of those filings are challenged by intervenors, \"so .2 percent of all the rate filings have an intervenor,\" Jones said.\u003c/p>\n\u003cp>His department gets about 100 health insurance filings a year. \"I'm confident that we can review those and accommodate public input … to meet the timelines of the exchange,\" he said.\u003c/p>\n\u003cp>Covered California is expected to release its analysis of the initiatives impact in the next several weeks.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>[contextly_auto_sidebar id=\"eIAnY5A7JQrFZId6BPNFSsF4Ohn7xK19\"]\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/stateofhealth/19232/insurance-commissioner-defends-health-insurance-initiative","authors":["240"],"categories":["stateofhealth_14"],"tags":["stateofhealth_28","stateofhealth_808"],"featImg":"stateofhealth_19280","label":"stateofhealth"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. Michel Martin hosts on the weekends.","airtime":"MON-FRI 1pm-2pm, 4:30pm-6:30pm\u003cbr />SAT-SUN 5pm-6pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/All-Things-Considered-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/all-things-considered/","meta":{"site":"news","source":"npr"},"link":"/radio/program/all-things-considered"},"american-suburb-podcast":{"id":"american-suburb-podcast","title":"American Suburb: The Podcast","tagline":"The flip side of gentrification, told through one town","info":"Gentrification is changing cities across America, forcing people from neighborhoods they have long called home. Call them the displaced. Now those priced out of the Bay Area are looking for a better life in an unlikely place. American Suburb follows this migration to one California town along the Delta, 45 miles from San Francisco. But is this once sleepy suburb ready for them?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/American-Suburb-Podcast-Tile-703x703-1.jpg","officialWebsiteLink":"/news/series/american-suburb-podcast","meta":{"site":"news","source":"kqed","order":"13"},"link":"/news/series/american-suburb-podcast/","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=1287748328","tuneIn":"https://tunein.com/radio/American-Suburb-p1086805/","rss":"https://ww2.kqed.org/news/series/american-suburb-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkMzMDExODgxNjA5"}},"baycurious":{"id":"baycurious","title":"Bay Curious","tagline":"Exploring the Bay Area, one question at a time","info":"KQED’s new podcast, Bay Curious, gets to the bottom of the mysteries — both profound and peculiar — that give the Bay Area its unique identity. And we’ll do it with your help! You ask the questions. You decide what Bay Curious investigates. And you join us on the journey to find the answers.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Bay-Curious-Podcast-Tile-703x703-1.jpg","imageAlt":"\"KQED Bay Curious","officialWebsiteLink":"/news/series/baycurious","meta":{"site":"news","source":"kqed","order":"4"},"link":"/podcasts/baycurious","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/bay-curious/id1172473406","npr":"https://www.npr.org/podcasts/500557090/bay-curious","rss":"https://ww2.kqed.org/news/category/bay-curious-podcast/feed/podcast","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93dzIua3FlZC5vcmcvbmV3cy9jYXRlZ29yeS9iYXktY3VyaW91cy1wb2RjYXN0L2ZlZWQvcG9kY2FzdA","stitcher":"https://www.stitcher.com/podcast/kqed/bay-curious","spotify":"https://open.spotify.com/show/6O76IdmhixfijmhTZLIJ8k"}},"bbc-world-service":{"id":"bbc-world-service","title":"BBC World Service","info":"The day's top stories from BBC News compiled twice daily in the week, once at weekends.","airtime":"MON-FRI 9pm-10pm, TUE-FRI 1am-2am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/BBC-World-Service-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.bbc.co.uk/sounds/play/live:bbc_world_service","meta":{"site":"news","source":"BBC World Service"},"link":"/radio/program/bbc-world-service","subscribe":{"apple":"https://itunes.apple.com/us/podcast/global-news-podcast/id135067274?mt=2","tuneIn":"https://tunein.com/radio/BBC-World-Service-p455581/","rss":"https://podcasts.files.bbci.co.uk/p02nq0gn.rss"}},"code-switch-life-kit":{"id":"code-switch-life-kit","title":"Code Switch / Life Kit","info":"\u003cem>Code Switch\u003c/em>, which listeners will hear in the first part of the hour, has fearless and much-needed conversations about race. Hosted by journalists of color, the show tackles the subject of race head-on, exploring how it impacts every part of society — from politics and pop culture to history, sports and more.\u003cbr />\u003cbr />\u003cem>Life Kit\u003c/em>, which will be in the second part of the hour, guides you through spaces and feelings no one prepares you for — from finances to mental health, from workplace microaggressions to imposter syndrome, from relationships to parenting. The show features experts with real world experience and shares their knowledge. Because everyone needs a little help being human.\u003cbr />\u003cbr />\u003ca href=\"https://www.npr.org/podcasts/510312/codeswitch\">\u003cem>Code Switch\u003c/em> offical site and podcast\u003c/a>\u003cbr />\u003ca href=\"https://www.npr.org/lifekit\">\u003cem>Life Kit\u003c/em> offical site and podcast\u003c/a>\u003cbr />","airtime":"SUN 9pm-10pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Code-Switch-Life-Kit-Podcast-Tile-360x360-1.jpg","meta":{"site":"radio","source":"npr"},"link":"/radio/program/code-switch-life-kit","subscribe":{"apple":"https://podcasts.apple.com/podcast/1112190608?mt=2&at=11l79Y&ct=nprdirectory","google":"https://podcasts.google.com/feed/aHR0cHM6Ly93d3cubnByLm9yZy9yc3MvcG9kY2FzdC5waHA_aWQ9NTEwMzEy","spotify":"https://open.spotify.com/show/3bExJ9JQpkwNhoHvaIIuyV","rss":"https://feeds.npr.org/510312/podcast.xml"}},"commonwealth-club":{"id":"commonwealth-club","title":"Commonwealth Club of California Podcast","info":"The Commonwealth Club of California is the nation's oldest and largest public affairs forum. As a non-partisan forum, The Club brings to the public airwaves diverse viewpoints on important topics. The Club's weekly radio broadcast - the oldest in the U.S., dating back to 1924 - is carried across the nation on public radio stations and is now podcasting. Our website archive features audio of our recent programs, as well as selected speeches from our long and distinguished history. This podcast feed is usually updated twice a week and is always un-edited.","airtime":"THU 10pm, FRI 1am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Commonwealth-Club-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.commonwealthclub.org/podcasts","meta":{"site":"news","source":"Commonwealth Club of California"},"link":"/radio/program/commonwealth-club","subscribe":{"apple":"https://itunes.apple.com/us/podcast/commonwealth-club-of-california-podcast/id976334034?mt=2","google":"https://podcasts.google.com/feed/aHR0cDovL3d3dy5jb21tb253ZWFsdGhjbHViLm9yZy9hdWRpby9wb2RjYXN0L3dlZWtseS54bWw","tuneIn":"https://tunein.com/radio/Commonwealth-Club-of-California-p1060/"}},"considerthis":{"id":"considerthis","title":"Consider This","tagline":"Make sense of the day","info":"Make sense of the day. Every weekday afternoon, Consider This helps you consider the major stories of the day in less than 15 minutes, featuring the reporting and storytelling resources of NPR. Plus, KQED’s Bianca Taylor brings you the local KQED news you need to know.","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Consider-This-Podcast-Tile-703x703-1.jpg","imageAlt":"Consider This from NPR and KQED","officialWebsiteLink":"/podcasts/considerthis","meta":{"site":"news","source":"kqed","order":"7"},"link":"/podcasts/considerthis","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1503226625?mt=2&at=11l79Y&ct=nprdirectory","npr":"https://rpb3r.app.goo.gl/coronavirusdaily","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM1NS9wb2RjYXN0LnhtbA","spotify":"https://open.spotify.com/show/3Z6JdCS2d0eFEpXHKI6WqH"}},"forum":{"id":"forum","title":"Forum","tagline":"The conversation starts here","info":"KQED’s live call-in program discussing local, state, national and international issues, as well as in-depth interviews.","airtime":"MON-FRI 9am-11am, 10pm-11pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Forum-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED Forum with Mina Kim and Alexis Madrigal","officialWebsiteLink":"/forum","meta":{"site":"news","source":"kqed","order":"8"},"link":"/forum","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/kqeds-forum/id73329719","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM5NTU3MzgxNjMz","npr":"https://www.npr.org/podcasts/432307980/forum","stitcher":"https://www.stitcher.com/podcast/kqedfm-kqeds-forum-podcast","rss":"https://feeds.megaphone.fm/KQINC9557381633"}},"freakonomics-radio":{"id":"freakonomics-radio","title":"Freakonomics Radio","info":"Freakonomics Radio is a one-hour award-winning podcast and public-radio project hosted by Stephen Dubner, with co-author Steve Levitt as a regular guest. 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One of public radio's most popular programs, Fresh Air features intimate conversations with today's biggest luminaries.","airtime":"MON-FRI 7pm-8pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Fresh-Air-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/fresh-air/","meta":{"site":"radio","source":"npr"},"link":"/radio/program/fresh-air","subscribe":{"npr":"https://rpb3r.app.goo.gl/4s8b","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=214089682&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Fresh-Air-p17/","rss":"https://feeds.npr.org/381444908/podcast.xml"}},"here-and-now":{"id":"here-and-now","title":"Here & Now","info":"A live production of NPR and WBUR Boston, in collaboration with stations across the country, Here & Now reflects the fluid world of news as it's happening in the middle of the day, with timely, in-depth news, interviews and conversation. Hosted by Robin Young, Jeremy Hobson and Tonya Mosley.","airtime":"MON-THU 11am-12pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Here-And-Now-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"http://www.wbur.org/hereandnow","meta":{"site":"news","source":"npr"},"link":"/radio/program/here-and-now","subsdcribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?mt=2&id=426698661","tuneIn":"https://tunein.com/radio/Here--Now-p211/","rss":"https://feeds.npr.org/510051/podcast.xml"}},"how-i-built-this":{"id":"how-i-built-this","title":"How I Built This with Guy Raz","info":"Guy Raz dives into the stories behind some of the world's best known companies. How I Built This weaves a narrative journey about innovators, entrepreneurs and idealists—and the movements they built.","imageSrc":"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2018/05/howIBuiltThis.png","officialWebsiteLink":"https://www.npr.org/podcasts/510313/how-i-built-this","airtime":"SUN 7:30pm-8pm","meta":{"site":"news","source":"npr"},"link":"/radio/program/how-i-built-this","subscribe":{"npr":"https://rpb3r.app.goo.gl/3zxy","apple":"https://itunes.apple.com/us/podcast/how-i-built-this-with-guy-raz/id1150510297?mt=2","tuneIn":"https://tunein.com/podcasts/Arts--Culture-Podcasts/How-I-Built-This-p910896/","rss":"https://feeds.npr.org/510313/podcast.xml"}},"inside-europe":{"id":"inside-europe","title":"Inside Europe","info":"Inside Europe, a one-hour weekly news magazine hosted by Helen Seeney and Keith Walker, explores the topical issues shaping the continent. No other part of the globe has experienced such dynamic political and social change in recent years.","airtime":"SAT 3am-4am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Inside-Europe-Podcast-Tile-300x300-1.jpg","meta":{"site":"news","source":"Deutsche Welle"},"link":"/radio/program/inside-europe","subscribe":{"apple":"https://itunes.apple.com/us/podcast/inside-europe/id80106806?mt=2","tuneIn":"https://tunein.com/radio/Inside-Europe-p731/","rss":"https://partner.dw.com/xml/podcast_inside-europe"}},"latino-usa":{"id":"latino-usa","title":"Latino USA","airtime":"MON 1am-2am, SUN 6pm-7pm","info":"Latino USA, the radio journal of news and culture, is the only national, English-language radio program produced from a Latino perspective.","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/latinoUsa.jpg","officialWebsiteLink":"http://latinousa.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/latino-usa","subscribe":{"npr":"https://rpb3r.app.goo.gl/xtTd","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=79681317&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/Latino-USA-p621/","rss":"https://feeds.npr.org/510016/podcast.xml"}},"live-from-here-highlights":{"id":"live-from-here-highlights","title":"Live from Here Highlights","info":"Chris Thile steps to the mic as the host of Live from Here (formerly A Prairie Home Companion), a live public radio variety show. 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Updated Monday through Friday at about 3:30 p.m. PT.","airtime":"MON-FRI 4pm-4:30pm, MON-WED 6:30pm-7pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Marketplace-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.marketplace.org/","meta":{"site":"news","source":"American Public Media"},"link":"/radio/program/marketplace","subscribe":{"apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=201853034&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/APM-Marketplace-p88/","rss":"https://feeds.publicradio.org/public_feeds/marketplace-pm/rss/rss"}},"mindshift":{"id":"mindshift","title":"MindShift","tagline":"A podcast about the future of learning and how we raise our kids","info":"The MindShift podcast explores the innovations in education that are shaping how kids learn. Hosts Ki Sung and Katrina Schwartz introduce listeners to educators, researchers, parents and students who are developing effective ways to improve how kids learn. We cover topics like how fed-up administrators are developing surprising tactics to deal with classroom disruptions; how listening to podcasts are helping kids develop reading skills; the consequences of overparenting; and why interdisciplinary learning can engage students on all ends of the traditional achievement spectrum. This podcast is part of the MindShift education site, a division of KQED News. KQED is an NPR/PBS member station based in San Francisco. You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED MindShift: How We Will Learn","officialWebsiteLink":"/mindshift/","meta":{"site":"news","source":"kqed","order":"2"},"link":"/podcasts/mindshift","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/mindshift-podcast/id1078765985","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5","npr":"https://www.npr.org/podcasts/464615685/mind-shift-podcast","stitcher":"https://www.stitcher.com/podcast/kqed/stories-teachers-share","spotify":"https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"}},"morning-edition":{"id":"morning-edition","title":"Morning Edition","info":"\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. Hosts Steve Inskeep, David Greene and Rachel Martin bring you the latest breaking news and features to prepare you for the day.","airtime":"MON-FRI 3am-9am","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Morning-Edition-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/morning-edition/","meta":{"site":"news","source":"npr"},"link":"/radio/program/morning-edition"},"onourwatch":{"id":"onourwatch","title":"On Our Watch","tagline":"Police secrets, unsealed","info":"For decades, the process for how police police themselves has been inconsistent – if not opaque. In some states, like California, these proceedings were completely hidden. After a new police transparency law unsealed scores of internal affairs files, our reporters set out to examine these cases and the shadow world of police discipline. 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Latest\u003c/h3>\r\n\u003cul>\r\n\u003cli>\u003ca href=\"https://twitter.com/kqednews\" target=\"_blank\">Follow @KQEDNews\u003c/a>\u003c/li>\r\n\u003c/ul>\r\n\u003ch3>Propositions\u003c/h3>\r\n\u003cul>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/proposition-1/\" target=\"_blank\">Prop 1\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/proposition-2/\" target=\"_blank\">Prop 2\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/proposition-45/\" target=\"_blank\">Prop 45\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/proposition-46/\" target=\"_blank\">Prop 46\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/proposition-47/\" target=\"_blank\">Prop 47\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/proposition-48/\" target=\"_blank\">Prop 48\u003c/a>\u003c/li>\r\n\u003c/ul>\r\n\u003c/div>\r\n\u003cdiv class=\"column-center\">\r\n\u003ch3>Statewide Races\u003c/h3>\r\n\u003cul>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/governor/\" target=\"_blank\">Governor\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/lieutenant-governor/\" target=\"_blank\">Lieutenant Governor\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/attorney-general/\" target=\"_blank\">Attorney General\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/secretary-of-state\" target=\"_blank\">Secretary of State\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/controller\" target=\"_blank\">Controller\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/treasurer\" target=\"_blank\">Treasurer\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/insurance-commissioner\" target=\"_blank\">Insurance Commissioner\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/Superintendent-of-Public-Instruction\" target=\"_blank\">Superintendent of Public Instruction\u003c/a>\u003c/li>\r\n\u003c/ul>\r\n\u003c/div>\r\n\u003cdiv class=\"column-right\">\r\n\u003ch3>Local Measures & Races\u003c/h3>\r\n\u003cul>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/soda-tax\" target=\"_blank\">Soda Tax\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/17th-congressional-district\" target=\"_blank\">Congressional District 17\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/district-17\" target=\"_blank\">Assembly District 17\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/oakland-mayor\" target=\"_blank\">Oakland Mayoral\u003c/a>\u003c/li>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/tag/san-jose-mayor\" target=\"_blank\">San Jose Mayoral\u003c/a>\u003c/li>\r\n\u003c/ul>\r\n\u003ch3>Guides\u003c/h3>\r\n\u003cul>\r\n\u003cli>\u003ca href=\"http://ww2.kqed.org/news/2014/10/03/california-watch-2014-election-guide\" target=\"_blank\">KQED Election Guide\u003c/a>\u003c/li>\r\n\u003cbr />\r\n\u003c/ul>\r\n\u003c/div>\r\n\u003ch2>Latest Coverage\u003c/h2>","featImg":null,"headData":{"title":"California Election Watch 2014 Archives | KQED News","description":"Get The Latest Follow @KQEDNews Propositions Prop 1 Prop 2 Prop 45 Prop 46 Prop 47 Prop 48 Statewide Races Governor Lieutenant Governor Attorney General Secretary of State Controller Treasurer Insurance Commissioner Superintendent of Public Instruction Local Measures & Races Soda Tax Congressional District 17 Assembly District 17 Oakland Mayoral San Jose Mayoral Guides KQED Election Guide Latest 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