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Tue May 10, 2016, 08:45 PM

How California Keeps Health Premiums Down Like No Other State

How California Keeps Health Premiums Down Like No Other State

by Mattie Quinn at Governing.com



California’s system is unique thanks to its rigorous vetting process for insurers that want to participate in its marketplace. At the onset of the ACA, the state hired a team to look over health plan proposals from insurance companies and excluded any that it deemed uncompetitive. Unlike in any other state, every plan in California has identical benefits, so enrollees are “choosing a plan basically just for the network,” said Shana Charles, faculty associate with UCLA’s Center for Health Policy Research.

Because the state chooses the plans, insurance companies are under pressure to offer lower rates.

“It’s an example of good governance,” said Charles. “Government is taking a referee role and telling these insurance companies, ‘This is the minimum standard, so show us what you've got.'”

And the state's work has paid off in the form of lower premiums.


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Reply How California Keeps Health Premiums Down Like No Other State (Original post)
applegrove May 2016 OP
Hoyt May 2016 #1

Response to applegrove (Original post)

Tue May 10, 2016, 08:51 PM

1. +1 Also CA providers and patients embraced managed care, Kaiser, etc., long before other states

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