What’s in Proposition 45 — Minus the Hype, Money, Emotion and Controversy

Rate regulation of health insurance has been a tall lightning rod for heated rhetoric and loud controversy each and every time it's been introduced in the California Legislature.

Bills to authorize rate regulation failed four times in four years in the Legislature. The most recent effort -- AB 52, authored by Assembly member Mike Feuer (D-Los Angeles) -- died in committee in 2011.

Proponents of health insurance rate regulation took the fight in a different direction, gathering enough signatures to present the issue to voters. The ballot measure, originally expected to be on the 2012 ballot, did not meet certification standards in time and was bumped to this year's November ballot.  Read more here.

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