Analysis
Data-grounded analysis of the FAIR Plan crisis
Original analysis built on the FAIR Plan's and the Department of Insurance's own published data. Every figure is reproducible from the datasets on Data & Downloads.
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July 2026
The Depopulation Promise
California's 2023 deal with insurers promised to shrink the FAIR Plan. In 93% of the state's own designated distressed ZIP codes, enrollment grew instead.
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July 2026
SB 1301: Nonrenewal Protections Need Nonrenewal Data
Sen. Allen's protections will be hard to verify with today's public data: the state's nonrenewal statistics end in 2023. The reporting that would make the bill verifiable.
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July 2026
AB 69 & AB 1680: Depopulation You Can Count
Asm. Calderon's package is the first to treat moving households off the FAIR Plan as something to measure. A few reporting details will decide whether the public can count it.
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