May 5, 2011 – The insurance-driven costs that millions of Californians pay to drive their cars, work at their jobs and protect their homes are closely regulated, in part because of generations of decisions by the Legislature and in part because voters demanded it. But despite the attention paid in recent years to healthcare reform, the price tag to 23 million California consumers of billions of dollars worth of care is only scantly regulated, at least directly. Health insurers’ rates are set by the health insurers themselves reflecting the market and their costs.