California Covered Arguments for and Agains
Argument in Favor of Proposition 45
Proposition 45 Volition Stop Excessive Health Insurance Charge per unit Hikes
Health insurance premiums have risen 185% since 2002, five times the rate of aggrandizement.
Even when premium increases are found to be unreasonable, no one in California has the power to finish them!
That'south why Californians recently faced $250 one thousand thousand in rate hikes that country regulators found to be "unreasonable" simply could not stop.
Proposition 45 requires health insurance companies to open their books and publicly justify rate hikes, under penalty of perjury, before they can raise premiums for five.8 million individual consumers and modest business organization owners.
Proposition 45 will:
- Require disclosure by making public the documents filed by insurers to justify rate increases.
- Promote transparency past assuasive public hearings and the correct to challenge unjustified premium increases.
- Create accountability past giving the insurance commissioner authority to reject excessive rate increases and society refunds.
Proposition 45 protects patients from wellness insurance company profiteering. Unaffordable insurance leads to unpaid medical bills, the leading cause of personal bankruptcy. Nigh 40% of Americans skip dr. visits or recommended care due to the cost.
Proposition 45 volition finish health insurance company price gouging and lower health insurance premiums.
How practice nosotros know?
Proposition 45 Extends The Protections Of Another Voter Approved Initiative That Has Saved Consumers Billions
California machine and home insurance companies have been required to justify rate hikes and become permission to enhance premiums since 1988.
Since voters enacted these insurance protections (Proffer 103), California is the only state in the nation where car insurance rates went down over two decades! The Consumer Federation of America reported in November 2013 that California's machine insurance rate regulations accept saved California consumers $102 billion by preventing excessive rate increases. Proposition 45 applies these rules to wellness insurers.
A nationally recognized actuary, who has reviewed health insurance rates in other states, and Consumer Watchdog gauge that Proposition 45 could save Californians $200 million or more per yr.
Proffer 45 Is Needed Fifty-fifty More Now That Anybody Is Required To Have Health Insurance
The federal healthcare police force does not give regulators the power to end excessive rate hikes.
Every bit the Los Angeles Times editorial lath said, "As of 2014, the healthcare reform law will require all adult Americans to obtain health coverage. Regulators ought to accept the power to stop insurers from gouging that convict market."
The San Jose Mercury News editorialized: "California should bring together the majority of states across the nation, 36 of 50, that have authority to control health insurance rate hikes."
California's big health insurance companies have already contributed $25.4 one thousand thousand to stop Proposition 45. They blocked legislation for greater transparency and accountability similar Suggestion 45 for a decade. They desire to go along charging y'all as much every bit they want. Don't be misled.
Proposition 45 will lower healthcare costs past preventing health insurance companies from jacking up rates and passing on unreasonable costs to consumers.
Join us in support of Proposition 45 to save money on health insurance. Larn more: www.yeson45.org.
Thank you lot.
Deborah Burger, President
California Nurses Association
Jamie Court, President
Consumer Watchdog
Dolores Huerta, Civil Rights Leader
Rebuttal to Statement in Favor of Proposition 45
Prop. 45 isn't nigh decision-making wellness insurance rates—because California just launched a new contained committee this year responsible for controlling health insurance rates and expanding coverage.
Instead, Prop. 45 is really most who has ability over health care: the independent committee, or ane politician who can take campaign contributions from special interests like insurance companies and trial lawyers.
Prop. 45—Undermines California's New Independent Committee
The independent commission is working to control costs, providing what the Los Angeles Times described every bit "Proficient News Well-nigh Wellness Costs."
But the special interests bankroll Prop. 45 accept a unlike calendar: Give ENORMOUS POWER over health insurance benefits and rates to a single Sacramento politician.
This power catch would demolition the contained commission with bureaucratic conflicts, lengthy delays and higher costs for consumers—and requite powerful special interests more influence over wellness care.
Prop. 45—Another flawed, costly, deceptive initiative
- Nether Prop. 45, 1 Politician COULD Command THE BENEFITS AND Handling OPTIONS our insurance covers. We shouldn't betrayal treatment decisions to some political leader'southward political agenda.
- Increases State Administrative COSTS TENS OF MILLIONS EVERY Twelvemonth to fund costly, duplicative bureaucracy and resolve legal questions caused by sponsor'due south failure to qualify initiative for 2012, as intended.
- Hidden AGENDA—COSTLY NEW LAWSUITS. The sponsors made $11 meg off legal fees nether their terminal sponsored Proposition; now they're back to make millions more off the plush new health care lawsuits Prop. 45 allows.
- Exempts big corporations.
Join doctors, nurses, patients, clinics and pocket-sized businesses: VOTE NO on 45.
Gail Nickerson, President,
California Clan of Rural Health Clinics
Robert A. Moss, Doctor, President
Medical Oncology Association of Southern California
Kim Stone, President
Ceremonious Justice Association of California
Argument Against Proposition 45
We all desire to meliorate our health care arrangement, but Prop. 45 isn't the reform nosotros demand.
Instead, Prop. 45 is a flawed, costly and deceptive initiative drafted to do good its sponsors and special interest backers—while patients, consumers and taxpayers face higher rates, more costly bureaucracy and new barriers to health intendance.
Prop. 45 makes things worse, not amend. That's why California doctors, nurses, patients, clinics, hospitals, taxpayers and small businesses all oppose Prop. 45.
GIVES I POLITICIAN Besides MUCH Power—Proposed Section 1861.17(g)(2)
Prop. 45 gives sweeping command over wellness care coverage to one elected politician—the insurance commissioner—who can take campaign contributions from trial lawyers, insurance companies and other powerful special interests.
Nether Prop. 45, this single politician could CONTROL WHAT BENEFITS AND Handling OPTIONS YOUR INSURANCE COVERS—with virtually no checks and balances to ensure decisions are made to do good patients and consumers instead of special interests in Sacramento.
"Prop. 45 gives 1 politician as well much ability over health intendance. Handling decisions should be made past doctors and patients, not someone with a political agenda."—Dr. Jeanne Conry, MD,OB/GYN—Firsthand Past President, American College of Obstetrics and Gynecology, District IX
CREATES More than DUPLICATIVE, COSTLY BUREAUCRACY—Proposed Section 1861.17(due east)
Prop. 45 creates even more than expensive state bureaucracy, duplicating 2 other bureaucracies that oversee health insurance rates, causing costly confusion with other regulations and adding more red tape to the wellness care system.
The non-partisan Legislative Analyst'southward Office projects the mensurate could INCREASE STATE Authoritative COSTS TENS OF MILLIONS OF DOLLARS PER YEAR—costs ultimately paid by consumers.
We shouldn't create a costly new, duplicative state hierarchy when we tin't adequately fund our schools, children's wellness care programs, or other priorities.
CALIFORNIA ALREADY HAS A NEW Independent HEALTH Care COMMISSION
California just established a new independent committee responsible for negotiating health plan rates on behalf of consumers and rejecting health plans if they're also expensive.
This independent commission is working successfully to control costs and aggrandize coverage. We shouldn't permit a politician who can take campaign contributions from special interests to interfere with the commission's work.
EXEMPTS Big CORPORATIONS—Proposed Section 1861.17(thou)(3)
Prop. 45 exempts big corporations, even as information technology burdens small businesses with plush new regulations and bureaucracy. If nosotros're going to reform health care, it should apply to everyone, non simply minor businesses and individuals.
FINE PRINT HIDES FRIVOLOUS LAWSUITS—Proposed Section 1861.17(a)
Prop. 45'due south sponsors are lawyers who made millions profiteering off legal challenges allowed by the last proposition they sponsored, co-ordinate to the San Diego Wedlock-Tribune. They've hidden the aforementioned provision in Prop. 45, allowing them to charge up to $675/60 minutes and make millions more than off costly wellness intendance lawsuits.
The sponsors will become rich—consumers will pay.
Our health intendance organisation is likewise complex to brand major changes through a proposition pushed by ane special interest. If we're going to make changes, patients, doctors and hospitals should all be part of the solution.
Vote NO on Prop. 45.
world wide web.StopHigherCosts.org
Monica Weisbrich, R.N., President
American Nurses Association of California
Dr. José Arévalo, M.D., Chair
Latino Physicians of California
Allan Zaremberg, President
California Chamber of Commerce
Rebuttal to Argument Against Proposition 45
Californians are being overcharged by the health insurance industry. Proposition 45 will protect consumers and help stop the insurance manufacture's price gouging. It applies California's existing auto insurance protections, which have saved consumers billions, to health insurance.
V health insurance companies that control 88% of California'southward insurance marketplace accept raised $25,300,000 against Prop. 45: Bluish Cross and parent company Wellpoint, Kaiser, Blue Shield, Health Net and United Healthcare. They want to keep charging yous every bit much every bit possible without accountability, transparency or disclosure.
When did health insurance companies ever spend $25 million to save y'all money on your health insurance or to make your healthcare better?
Here are the facts:
- Prop. 45 will not limit your benefits or treatment options, only how much you pay for health insurance. That'south why the California Nurses Association, representing 85,000 Registered Nurses, supports Prop. 45.
- There is no "commission" in California, or federally, that has the power to finish unreasonable health insurance rates. That'southward why Prop. 45 authorizes our elected insurance commissioner to decline excessive charge per unit hikes. No insurance commissioner has accepted campaign contributions from insurance companies since 2000. No wonder wellness insurers are worried!
- Prop. 45 won't create a new bureaucracy. It requires health insurance companies to pay for its implementation and obey the aforementioned rules, from voter-approved Prop. 103, that apply to other insurance companies. The insurance companies fear these rules and the consumer challenges to excessive rates that have cancelled billions in overcharges past auto, home and business insurers. www.yeson45.org
Dr. Paul Song, Co-Chair
Campaign For A Salubrious California
Henry Fifty. "Hank" Lacayo, State President
Congress of California Seniors
Harvey Rosenfield, Author of 1988 insurance reform Proposition 103
Arguments printed on this page are the opinions of the
authors and have not been checked for accuracy by whatever official agency.
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Source: https://vigarchive.sos.ca.gov/2014/general/en/propositions/45/arguments-rebuttals.htm
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