Jane Kim

Runs as the only Democratic candidate refusing contributions from the insurance industry, fossil fuel industry, and corporate PACs, funding the campaign with small donations; frames independence from regulated insurers as central to being a consumers' watchdog. (Both general-election nominees pledged not to take insurance-industry money.)

“the only Democratic candidate not taking a dime from the insurance industry, fossil fuel industry, corporate PACs, or self-funding her campaign”

janekim.org·As of August 2026

Aggressive pro-policyholder regulation of insurers: enforce minimum coverage standards (guaranteed replacement cost, extended replacement cost up to 50%, ordinance-and-law coverage) as a condition of rate approval; six months notice before non-renewal or material coverage changes (vs. current 75 days); end price discrimination against blue-collar workers in auto insurance; ban premium hikes, drops, or non-renewals for filing or inquiring about a claim; interest on delayed claim payments; immediate full contents payout after total losses; market conduct examinations of insurers with elevated complaint rates; a public insurer-performance dashboard.

“Your policy shouldn't punish you for using it.”

janekim.org·As of August 2026

Making insurance affordable rather than allowing rate increases: minimum loss-ratio standards (70% auto / 65% homeowners over rolling three-year periods) so premium dollars pay claims or flow back to policyholders; expanding California's existing low-cost nonprofit auto insurance program into a public option for all drivers; publishing an annual 'Where Your Premium Goes' expenditure report; broadening Safe Homes grants for wildfire home-hardening.

“I don't think just allowing the insurance industry to raise rates is the solution ... People will lose their homes or go uninsured. And that will wreck the economy.”

calmatters.org·As of August 2026

Proposes 'Natural Disaster Insurance for All': a public, nonprofit single-payer disaster insurer with automatic universal coverage, premiums tied to property value/risk and mitigation incentives, investment in resilience infrastructure (fuel management, firefighting capacity, early warning), making high-polluting corporations pay into the system, and guaranteed coverage in high-risk areas - replacing the industry-run FAIR Plan, which she calls limited and punishingly priced.

“Jane is proposing a single-payer disaster insurance policy for every Californian: Natural Disaster Insurance for All.”

janekim.org·As of August 2026

'Another big idea' on her platform: Medicare for Kids - a plan to guarantee healthcare for every child in California, motivated by roughly 400,000 children losing Medi-Cal coverage each year over small income increases, missed renewal forms, or paperwork; argues it saves money through preventive care. Pair structural reform: centralize California's bifurcated insurance regulatory authority within the Department of Insurance (currently split with the Department of Managed Health Care), even though the DOI does not oversee managed care plans today.

“While the Department of Insurance does not oversee managed health care plans, Jane will write a plan to guarantee healthcare for every child in California: Medicare for Kids.”

janekim.org·As of August 2026