Analysis · Legislation
AB 69 & AB 1680: FAIR Plan Oversight Needs FAIR Plan Data
Assemblymember Calderon's package strengthens FAIR Plan reporting and oversight. With the Plan now larger than it has ever been, a handful of reporting details will decide whether the public — and the Legislature — can see what the Plan is actually doing.
depopulatefairplan.com · Data through Jun 2026
What the bills do
AB 69 (Calderon) builds out the FAIR Plan clearinghouse — the mechanism for moving policyholders back to the private market. It requires clear notices to policyholders about their options, broker education, and, beginning May 2027, quarterly reporting by participating insurers of the policies they issue to FAIR Plan policyholders, with aggregated public reporting by the association. AB 1680 (the "Make It FAIR Act") strengthens Department of Insurance oversight of the FAIR Plan itself: corrective-action authority with penalties, examination powers, and staffing requirements. As of late July 2026 both bills have passed the Assembly and sit in Senate Appropriations, with final votes ahead before the session ends. The window for amendments is now.
What the data shows
320,572 → 665,862
FAIR Plan policies in force since the September 2023 insurer deal, including growth in 534 of the 574 ZIP codes the state designated as distressed — where the deal itself promised the opposite. The larger the Plan's role becomes, the more its reporting matters.
Today, the public record consists of insurer commitments and rate approvals: policies a carrier plans to write. We could find no public dataset that counts households actually moving between the FAIR Plan and the private market, in either direction. The reporting AB 69 creates is the first real chance to change that. Whether it does comes down to the details below.
The amendments
Nearly all of this data already exists inside the FAIR Plan and the Department of Insurance. The six amendments below — three per bill — make it public, regular, and usable, and are small enough to adopt in the time the bills have left.
AB 69 — three amendments to make the clearinghouse count meaningful
- County and ZIP detail. Publish the aggregated quarterly clearinghouse report at county and ZIP level, matching the FAIR Plan's existing quarterly releases. One statewide number cannot show where policyholders are finding their way back to the private market and where they aren't.
- Count both directions. Report policies leaving the FAIR Plan alongside policies entering it in the same period, so the Plan's net direction is visible rather than inferred from one-way counts.
- Start the first quarter after enactment. A May 2027 start leaves a two-year measurement blackout in the middle of the crisis.
AB 1680 — three amendments to put data duties inside FAIR Plan oversight
- Codify the quarterly geographic releases (county and ZIP policy, premium, and insured-value figures) as a statutory duty subject to the bill's corrective-action provisions, with a single, published distressed-area definition. In 2025, the FAIR Plan's own quarterly releases switched between an internal set of roughly 1,009 ZIP codes and the official 663-ZIP list, with no published definition for either.
- Financial-health disclosure. Quarterly reporting of total insured value against reserves and reinsurance, plus any assessment activity. These are the numbers that determine when every insured Californian helps pay for FAIR Plan losses, as happened with the $1 billion assessment after the 2025 fires.
- Cost-of-coverage reporting. Average premium per policy by county. Our analysis of the FAIR Plan's own releases found a roughly twelve-fold spread across counties, from about $621 to $7,234 per policy per year, a figure not available in any official publication.
None of this requires new data collection. The FAIR Plan already produces quarterly county and ZIP data. AB 69 already creates the reporting channel. The 2023 Sustainable Insurance Strategy already committed the FAIR Plan to expanded reporting on reducing its policyholder count. These amendments are about detail, completeness, timing, and format — publishing data the Plan already holds.
Every figure on this page is reproducible from the datasets on Data & Downloads. Questions, corrections, or data requests: info@depopulatefairplan.com.