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Health insurance used to be a main factor in the decision making for a potential employee that considered a benefits package as part of the standard annual salary offered by an employer. The recent decline in the national economy has forced many business owners to cancel or limit insurance coverage for employees that are new hires or that have high risks for expensive medical care. The growing costs of insurance premiums are becoming more difficult for business owners to offset when annual profits continue to shrink and expenses continue to rise.

In the state of California, [url=http://www.1855sacramento.com/moncler.php]moncler sito ufficiale[/url] major types of insurance are regulated by the Department of Insurance. This state agency was created [url=http://www.rtnagel.com/airjordan.php]jordan pas cher[/url] in 1868 [url=http://www.moncleroutletosterblade.com]moncler[/url] to be the cornerstone of guardianship for all residents to be protected from wrongful acts committed by Insurance companies. The legislation was changed in 1988 by a vote from consumers to [url=http://www.1855sacramento.com/peuterey.php]peuterey[/url] let the agency have more oversight and regulation authority over major types of casualty and property insurance. These changes give the people of California the ability to elect a California Insurance Commissioner to oversee the regulation.

Many insurance including [url=http://www.mnfruit.com/louboutinpascher.php]louboutin pas cher[/url] home, property, life and automobile insurance are currently controlled and reviewed for justification of price increases. This regulation keeps the costs regulated and more affordable for [url=http://www.rtnagel.com/louboutin.php]louboutin pas cher[/url] citizens that need this insurance as part of daily living. The health insurance industry is not at this time regulated and is the subject of [url=http://www.mxitcms.com/abercrombie/]abercrombie milano[/url] a heated debate over unreasonable price increases. The health industry [url=http://www.louboumaterialistanyc.com]louboutin[/url] bases the claim for the need to increase premiums on [url=http://www.mxitcms.com/tiffany/]tiffany[/url] the growing cost of medical care at hospitals and long-term care facilities. The citizens of California do not agree with this point of view.

Insurance companies in California have constantly increased annual and monthly premium costs for at-risk and average citizens. Since there is no regulation in place, some of the insurers do not have to explain the details of the increase to policyholders. California has new introduced an assembly billed known as AB52 [url=http://www.gotprintsigns.com/abercrombiepascher/‎]abercrombie soldes[/url] that tries to put the power of regulation into the hands of the state and not in the hands of health insurance companies. This bill is designed to make insurance [url=http://www.moncleroutletosterblade.com]moncler outlet[/url] companies abide by [url=http://www.sandvikfw.net/shopuk.php]hollister outlet sale[/url] a set of rules and will reject any price increase that is deemed incorrect by the Insurance Commissioner.

Physicians, nurses, surgeons and administrators receive consistent salary increases in spite of the number of patients being treated. Government subsidies are provided to hospitals and other care facilities to help cover the expense of treating uninsured patients. California is joining several states that have passed laws that will regulate the cost of health insurance and make it more affordable to individuals and families. These efforts are in spite of the required federal changes beginning in 2013.
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