加州保险部推出自愿「完整性审查」新规：保险公司正式申报费率前 初步分析与预计节省金额全公开
位于加州 Sacramento 县的加州保险部（California Department of Insurance, CDI）10月19日宣布推出一项新的自愿、公开透明的审查程序：在保险公司依据第103号提案正式申报个人与商业险种费率之前，保险部先对其拟议费率进行「完整性审查」（Comprehensiveness Review），并把初步分析向社会公开。这项新规已获加州行政法办公室批准，保险部当日已将最终规章文本与理由说明公布在官网。
保险专员 Ricardo Lara 说：「加州人支付的每一美元保费都应有据可依。消费者将首次能够看到本部专家如何分析保险公司的费率申请、质疑缺乏依据的假设，并防止投保人支付超过法律允许的金额。」按新规，保险部将公开其初步费率区间指示、在每份提交材料中发现的问题，以及专家审查预计为消费者节省的保费金额；这一公开程度在该部历史上尚属首次。
具体运作上，若保险部的审查得出低于公司申请的费率指示，保险公司须决定是接受保险部的数字，还是补充材料为自己的数字提供依据。审查完全自愿：保险公司可以跳过这一步，直接进入实施了数十年的第103号提案正式申报程序。保险部举例称，加州房主的财产险年均保费约为1,500美元（美国保险专员协会 NAIC 数据）；若一家房主险公司拟提价5%，审查可能发现其成本预测被高估或部分内容不符合加州法律。
新规是对2024年生效的《完整费率申请规章》的补充，两者同属 Lara 的「可持续保险战略」。保险部表示，自2019年以来，其对数百份财产、商业与汽车险费率申报的审查已为消费者节省66亿美元。新规保留了第103号提案的「参与方」（intervenor）程序——能证明代表消费者利益的第三方仍可参与费率程序并获得补偿。Lara 说：「政府在人们看得见的地方运作时，效果最好。」
California Department of Insurance Launches Voluntary 'Comprehensiveness Review': Initial Rate Analysis and Projected Savings Made Public Before Formal Filings
The California Department of Insurance (CDI), headquartered in Sacramento, the capital of California in Sacramento County, announced on October 19 a new voluntary and fully transparent process for reviewing proposed insurance rates: before an insurer formally files personal and commercial lines rates for approval under Proposition 103, the Department will conduct a 'comprehensiveness review' of the proposal and make its initial analysis public. The regulation has been approved by the California Office of Administrative Law, and the Department posted the final regulation and statement of reasons on its public website the same day.
'Every dollar Californians pay for insurance should be justified,' said Insurance Commissioner Ricardo Lara, author of the Sustainable Insurance Strategy. 'For the first time, consumers will be able to see how Department experts analyze insurance companies' rate requests, challenge unsupported assumptions, and prevent policyholders from paying more than the law allows.' Under the new regulation, the Department will publicly release its initial rate range indications, the issues flagged in each insurer submittal, and the dollar amounts its expert review is projected to save consumers — a level of disclosure the Department describes as unprecedented in its history.
In practice, if the Department's review produces a lower rate indication than the insurer proposed, the company must decide whether to accept the Department's figures or provide additional information to substantiate its own numbers. Participation is voluntary: insurers may skip the step and move directly to the formal Proposition 103 filing process that has applied for decades. The Department's example uses the statewide average homeowner premium of about $1,500 a year (National Association of Insurance Commissioners data): if a homeowner insurer explored a 5 percent increase, the review might find its cost projections inflated or elements that do not comply with California law.
The regulation complements the Department's Complete Rate Application Regulation, in effect since 2024, and both are components of Lara's Sustainable Insurance Strategy. The Department says its reviews of hundreds of property, commercial and auto rate filings since 2019 have saved consumers $6.6 billion. The new process also retains Proposition 103's intervenor system, under which third parties that prove they represent consumers' interests can be compensated for participating in rate proceedings. 'Government works best when people can see it working,' Lara said.
来源：GSM·美国（原文链接）
图片来源：图：位于 Sacramento 的加州州议会大厦暮色（资料图），CC BY-SA 4.0，Dllu 摄，经 Wikimedia Commons。Photo: The California State Capitol in Sacramento at blue hour (file photo), CC BY-SA 4.0, by Dllu, via Wikimedia Commons.
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