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RATE REGULATION INITIATIVE PROPOSITION 45 CAHU No on Prop 45 Grassroots Campaign: Agents of Action
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RATE REGULATION INITIATIVEPROPOSITION 45
CAHU No on Prop 45 Grassroots Campaign:Agents of Action
AGENDA
What is Proposition 45
Why Proposition 45 Must Be Defeated
What You Can Do
September 10, 2014
AGENDA
What is Proposition 45
Why Proposition 45 Must Be Defeated
What You Can Do
September 10, 2014
PROPOSITION 45
Insurance Rate Public Justification & Accountability Act
Failed to move forward as a bill
Qualified for November 4th Ballot Initiative
September 10, 2014
PROPOSITION 45 CORE CLAIM
Giving California Insurance Commissioner the power to dictate rates and benefits for all Individual and Small Group health plans will lower rates
September 10, 2014
AGENDA
What is Proposition 45
Why Proposition 45 Must Be Defeated
What You Can Do
September 10, 2014
TOO MUCH POWER FOR ONE POLITICIAN
One elected politician will approve or disapprove rates, benefits, co-pays, deductibles and treatments
Expands Insurance Commissioner’s power to include plans regulated by the Department of Managed Care• All elected Insurance Commissioners
have run for Governor, except the indicted and the current ones
September 10, 2014
POORLY WRITTEN
Retroactive to November 6, 2012• Insurance Commissioner could rollback
2013 and 2014 rates and require commission paybacks
September 10, 2014
TOO BROAD
Proposition 45 claims to address only premiums and benefits, reality is everything about health plans is covered• Networks sufficiency• Network discounts• Underwriting relativities• Cost sharing• Broker compensation
September 10, 2014
FAILS TO ADDRESS COST DRIVERS
The cost of medical treatment
Increasing prescriptions costs
The cost of new technologies
Changing demographics
Preventable chronic conditions
September 10, 2014
UNNECESSARY
Affordable Care Act already addresses premiums through the MLR requirements• Refunds have been made
September 10, 2014
IS TOO EXPENSIVE
The Legislative Analyst estimates administrative costs to be in the tens of millions of dollars per year
Funded with fees charged to insurers that will be passed on to consumers
September 10, 2014
UNINTENDED CONSEQUENCES
Carriers may reduce product offerings or leave the market altogether
Commissioner’s decisions could interfere with physician treatment decisions
September 10, 2014
ENCOURAGES CHAOS
Interveners can earn $675 per hour for objecting to filings
Interventions would delay product introductions and rate changes• Under Proposition 103, average rate filing
subject to intervention takes 343 days
Last minute challenges to Covered California’s plan designs and rates would disrupt the Exchange
September 10, 2014
COVERED CALIFORNIA CONCERNS
Prop. 45 sparks
turf war over
health insurance
regulation in
California
Ventura County Star
California health exchange weighs formal opposition to Proposition 45The Sacramento Bee
Prop 45 Threatens California’s Health Reform Success StorySan Jose Mercury
September 10, 2014
FAILS TO BENEFIT CONSUMERS
But does benefit:
Politicians
Trial lawyers (the funders)
Interveners
September 10, 2014
AGENDA
What is Proposition 45
Why Must Proposition 45 Be Defeated
What You Can Do
September 10, 2014
JOIN THE NO ON PROP 45 COALITION
ACA proponents
Physicians and Nurses
Hospitals
Unions
Building and construction trades
Business groups
Democratic and Republican Legislators
Health plans and brokers
September 10, 2014
California Chamber of Commerce
Small Business Majority
California Hispanic Chamber
California Black Chamber of Commerce
California Asian Pacific Chamber of Commerce
Service Employee International Union California
State Building and Construction Trades Council of California
GROUPS OPPOSED (PARTIAL LIST)
September 10, 2014
California Medical Association
American Nurses Association California
California Hospital Association
California Children’s Hospital Association
William Jefferson Clinton Democrats
California State Conference NAACP
William Jefferson Clinton Democrats
CAHU and NAIFA
GROUPS OPPOSED (PARTIAL LIST)
September 10, 2014
YOU CAN MAKE THE DIFFERENCE
The 40 Vote CAHU Challenge 10 NO Votes from CLIENTS 10 NO Votes from CLIENTS’ EMPLOYEES 10 NO Votes from FAMILY & FRIENDS 10 NO Votes from EMPLOYEES/COLLEAGUES
40 NO VOTES x 2,500 CAHU Members =
100,000 NO VOTES
September 10, 2014
TOOLS YOU CAN USE
The Agents of Action Web Site
September 10, 2014
TOOLS YOU CAN USE
Materials to educate and motivate your clients, colleagues, family and friends:
Emails
Letters and Postcards
Flyers and Brochures
LinkedIn posts
Campaign giveaways (posters, pens, buttons)
September 10, 2014
WHAT WE MUST DO
Vote NO on Prop 45
Educate and motivate clients, colleagues, friends and family
Recruit local businesses and civic groups
Get out the vote: No on 45!
September 10, 2014
ADDITIONAL RESOURCES
www.AgentsofAction.org
www.NoOn45.org
September 10, 2014
QUESTIONS?
Jennifer Zins • [email protected]• (916) 871-0603
Paid for by No on 45: California Association of Health Underwriters Issues Committee for Responsible Health Insurance Regulation, with major funding by California Association of Health Underwriters, LISI, Inc., National Association of Health Underwriters, Warner Pacific Insurance Services, and Word & Brown Insurance Administrators, Inc.
September 10, 2014
