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Proposition 45 will require health insurance companies to open their books and publicly justify their rates under penalty of perjury before they are permitted to change rates for consumers in the individual and small group market.

While there is no way to exactly predict the amount of consumer savings from Proposition 45, an analysis of available data allows us to estimate that Proposition 45 could save California consumers as much as $235 million or more each year between 2016 and 2019, and possibly as much as $1 billion per year. 

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