The Supreme Court decision this week on the Affordable Care Act makes it even more important to control health insurance rates. Health insurance in California is the only insurance type that is free of rate regulation by the Insurance Commissioner. The ballot petition to give the California Insurance Commissioner the power to approve or disapprove health insurance rate increases collected about 800,000 signatures but was 1% short of qualifying for the November 2012 ballot. They will probably qualify for the November 2014 ballot and hopefully, the insurance commissioner’s decisions will be retroactive to 2012 with some rate refunds coming your way. With health insurance mandatory, rate control is even more important! Check the web page occasionally to keep track of this essential ballot initiative.