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...From what I know about California regulations and rules, [Anthem's proposed rates] probably will meet the letter of the law," says Marian Mulkey, a senior program officer at the California Health Care Foundation, which studies the state's health-insurance market, among other topics...
Despite the fact that the state has some of the strongest consumer-protection laws in the country, California's regulations governing the individual health insurance market are not very strict. Insurers are free to set whatever rates they want, so long as they spend 70% of premiums paying claims, a threshold that's lower, for example, than those in Washington, New York and New Jersey. California is also what's known as a "file and use state," meaning insurers can increase rates in the individual market without state approval. The state can later act to rein in rates or revoke...
...been aggressively pursuing Anthem, is running for governor, though he is trailing far behind fellow GOP candidate (and former eBay CEO) Meg Whitman. Poizner says he supports reform of the U.S. health care system but generally opposes the Democratic House and Senate bills. Dave Jones, a Democratic state assemblyman, is running to replace Poizner in the commissioner's office on a platform of changing California law to require health insurers to get state approval before increasing rates. (See TIME's health and medicine covers...
Under the Democratic health care reform plans, the individual insurance market would be far less volatile. Insurers would be prohibited from basing rates on health status, and rate increases would be transparent and regulated through national or state-based exchanges. Plus, with an individual mandate, most healthy individuals would be compelled to maintain coverage, diffusing risk throughout a larger pool. (Watch TIME's video "Uninsured Again...
...morning of Valentine's Day, as Dick Cheney was once again calumniating the President on network television, I was in Doha, Qatar, listening to Secretary of State Hillary Clinton attempt to explain Barack Obama's foreign policy to several hundred restive representatives of the Islamic world. The event was the annual U.S.-Islamic World Forum, sponsored by the Brookings Institution, and the mood was a bit more testy than last year's Obama-induced euphoria. There was a universal sense among the Muslim delegates that the President had offered fine words in the past year but not much action...