California Insurance Market & Regulatory Intelligence

Snapshot metrics

California regulators

DMHC is not CDI. A DMHC Knox-Keene health plan is not all California insurers. A CDI licensed insurer is not a DMHC Knox-Keene plan. CDI company lookup is not a bulk admitted universe.

Market findings

• DMHC Office of Enforcement published 5,435 enforcement-action rows from 2000-07-03 through 2026-05-22. Source-native classes include Letter of Agreement 4,212, Settlement Agreement 606, Cease and Desist Order 240, and Accusation 53, plus every other official class in the file. Those 5,435 rows name 238 distinct organization-name strings. A letter of agreement is not a settlement. An accusation is not a final finding. A cease-and-desist order is not a revocation. An enforcement occurrence is not a unique company. This is not an insurer ranking.
• DMHC Independent Medical Review determinations total 42,749 rows (datastore as of 2026-06-01). Overturned decision of health plan: 22,445. Upheld decision of health plan: 20,304. An IMR case is not a complaint. An IMR decision is not enforcement. An IMR outcome is not a plan quality score. IMR volume is not market share. This extract has no plan identifier and no enrollment denominator, so plan-level IMR rates are not published.
• CDI's dated health-insurer list names 28 companies licensed to provide health insurance coverage as of 2025-12-31. 28 have a published business phone and 27 have a website. Licensed is not currently selling. This list is not the complete admitted-carrier universe and is not the DMHC Knox-Keene plan roster.
• CDI's January 2025 fact sheet on residential policies reports 324,954 FAIR Plan new-and-renewed policies in 2023 versus 8,300,730 in the voluntary market (3.7% of that residential new-and-renewed mix). FAIR Plan is residual-market infrastructure, not the typical California insurance market, not an insurer of choice, and not a safety score.

DMHC enforcement

5,435 action rows naming 238 distinct organization-name strings, 2000-07-03 through 2026-05-22. A letter of agreement is not a settlement. An accusation is not a final finding. A cease-and-desist order is not a revocation. Raw enforcement count is not quality. Documents are INDEX_ONLY via official action-display links. No name-only profile attachment.

DMHC enforcement actions

DMHC enforcement research

Filter acquired DMHC enforcement-action rows by source-native action class, year, or organization name. This is state-level event research. Name-only matching is not used to attach adverse evidence to profiles.

Loading acquired DMHC enforcement rows…

DMHC Independent Medical Review

42,749 IMR determinations. IMR is not a complaint and not enforcement. This extract has no plan identifier, so plan-level IMR rates are not published.

Review type

• Experimental/Investigational: 10,476
• Medical Necessity: 31,504
• Urgent Care: 769

Determinations by report year

DMHC Independent Medical Review

Companies on CDI's dated health-insurer list

28 companies as of 2025-12-31. 28 public business phones. 27 websites. Licensed is not currently selling. This is not the complete admitted universe and not all property/casualty insurers.

CDI health-insurer list · CDI company lookup (search-only)

FAIR Plan / property market

Counts are official CDI statewide new-and-renewed residential policy counts. FAIR Plan is the residual market, not the typical California insurance market. ZIP/county files exist on the CDI wildfire page and are not ingested as county pages.

CDI residential / FAIR Plan fact sheet (PDF)

Complaints, rates, producers

CDI 2024 commissioner-report totals: 62,559 complaint cases opened and 62,002 closed. A complaint is not a violation. IMR is not a complaint. CDI's justified-complaint study ranking is not republished here.

Rate filings: OPEN_SEARCH_ONLY. A rate filing is not a consumer premium. Complete CDI admitted/company universe: SOURCE_NOT_ACQUIRED. Producer universe: SOURCE_AVAILABLE_BY_PAID_LIST / SEARCH_ONLY. Missing is not zero. National NPN identity is not a California license.

CDI Consumer Complaint Study

Evidence depth

What we don't yet know

Unknown is not zero. Missing is not zero.

• Complete CDI admitted/company denominator: SOURCE_NOT_ACQUIRED
• Complete producer denominator: SOURCE_AVAILABLE_BY_PAID_LIST / SEARCH_ONLY
• Full agency/broker universe: SOURCE_NOT_ACQUIRED
• Full California appointments: SOURCE_NOT_ACQUIRED
• Complete California authorization subtype coverage: SOURCE_NOT_ACQUIRED
• FAIR Plan in-force/TIV/premium by ZIP: NOT_INGESTED
• Rate/filing bulk: OPEN_SEARCH_ONLY
• Plan enrollment denominators for IMR/enforcement rates: NOT_IN_SOURCE
• Unresolved DMHC entity identity (no exact plan key): NAME_ONLY_UNSAFE_FOR_ADVERSE_ATTACH

Semantic rules

• DMHC != CDI
• DMHC PLAN != ALL CALIFORNIA INSURERS
• CDI HEALTH LIST != COMPLETE ADMITTED UNIVERSE
• LICENSED != CURRENTLY SELLING
• IMR != COMPLAINT
• IMR != ENFORCEMENT
• COMPLAINT != VIOLATION
• ACCUSATION != FINAL FINDING
• LETTER OF AGREEMENT != SETTLEMENT
• CEASE & DESIST != REVOCATION
• RAW ENFORCEMENT COUNT != QUALITY
• FAIR PLAN != ENTIRE PROPERTY MARKET
• RATE FILING != CONSUMER PREMIUM
• NAIC IDENTITY != CALIFORNIA AUTHORIZATION
• SEARCH-ONLY SOURCE ABSENCE != ZERO
• MISSING != ZERO
• NO TRUST SCORE
• NO PAID RANKING

No Trust Score. No paid ranking.