California has an exceedingly complex commercial health insurance regulatory and business environment. The state has one of the highest concentrations of managed care in the nation. At the same time, commercial insurers have undergone a rapid process of consolidation. In addition, California is the only state in the nation that has two different state agencies regulating commercial insurers: the Department of Insurance regulates traditional indemnity insurers (typically PPO products) and the Department of Managed Health Care regulates Knox-Keene licensed plans (typically HMO products).

CHA helps members navigate this difficult environment. CHA creates a forum to address emerging issues directly with health plans and insurers. In addition, CHA advocates on behalf of hospitals in the Legislature and courts, as well as before regulatory agencies, to ensure hospitals are paid promptly and fairly. The CHA Managed Care Committee, comprised of a representative sample of members, helps guide the development of policy related to commercial insurance and managed care.