The Harbor Freeway at rush hour in Los Angeles. (Photo: Joseph Sohm, via Shutterstock) OPINION: The California Department of Insurance, having identified a disparity, has established a worthy goal of expanding auto insurance discounts to more low-income consumers and communities of color. But as it pursues that goal, the department must keep in mind a foundational principle in healing problems: Do no harm.
A business in Los Angeles that was forced to close because of the pandemic. (Photo: Lando Aviles, via Shutterstock)With no compromise in sight, at appears the debate over business interruption insurance coverage will be solved by litigation, not legislation. At issue are thousands of businesses around California with insurance policies to protect them against a sudden catastrophic event that forces them to close down for an extended period of time.
Illustration by Vector Image Plus, via Shutterstock)OPINION: As an ambitious attempt to give consumers more control over how businesses collect, store, and use their personal information, it is clear the California Consumer Privacy Act will have effects that reach far beyond the technology sector.
A rally for immigrant rights in San Francisco. (Photo, Eddie Hernandez, via Shutterstock)In two 5-4 decisions by the U.S. Supreme Court – one in late January, the other on Feb. 21 — the high court affirmed President Donald Trump’s effort to change long-standing policy and punish immigrants who obtain public services by denying them green cards and a path to citizenship. The new policy directly affects a relatively small number of immigrants. But those who provide services to immigrants and those who advocate on their behalf say the change has a chilling effect on the greater immigrant community
Photo of candidate Steve Poizner from his official websiteThe first person to hold statewide office in California without aligning with a political party could be Steve Poizner. He is vying for the seat left open by Dave Jones, who is running for state attorney general. Poizner’s main opponents are Democrats Sen. Ricardo Lara and physician Asif Mahmood. The Department of Insurance has more than 1,300 employees and a $250 million budget. It oversees the state’s $300 billion insurance market, the largest in the country.
The Canyon Fire 2 approaches Anaheim in October 2017. (Photo: Aarti Kalyani)OPINION: After a barrage of devastating wildfires raged across our state in recent months, it is time for all Californians to accept a sobering fact: this is the new normal. Several factors — including warmer and drier summers, and decades of fire suppression — have created a California that will be much more susceptible to wildfires in the future.
Destruction from last year's Wine Country fires. (Photo: Janos Rautonen, via Shutterstock)OPINION: The current system allows claims adjusting companies that employ professional adjusters to secure a license covering its employees, which is practical and efficient and meets the needs of California’s consumers. Far from unique, this system has been proven to work in states like Montana and Utah. However, if the department’s bill, SB 1291 is enacted, it would totally upend a perfectly functional system for licensing independent insurance adjusters by disallowing state licensing for companies to cover its professionals
A child has her ear inspected by a doctor using an otoscope. (Photo: Andrew_Popov)Health insurance coverage for 1.3 million California children and pregnant women is at risk because of Congress’ delay in extending the Children’s Health Insurance Program. While the House recently approved a bill to extend the program for five years, the bill still needs approval by the Senate and a fight is expected about how to pay for the extension.
A pharmaceutical worker examines drugs at a dispensary. (Photo: i viewfinder, via Shutterstock)The PBMs originated in the 1960s to help health plans, self-insured employers and government entities, among others, to negotiate prescription drug prices and efficiently distribute medications. Since then, they have evolved into a money-making industry without regulations, experts say. By one estimate, three major PBM companies had a staggering $270 billion in revenues in 2014.
A depressed man sits alone on a park bench. (Photo: Mikael Damkier)OPINION: Nearly two decades ago, California raised the bar for our state’s wellness by requiring insurers to equally cover services for both physical and mental health conditions. Now a national standard, California’s groundbreaking Mental Health Parity law was among the first to recognize how grave inequities in the form of higher co-pays or fewer allowable visits diminish wellness and productivity.