The rates are a guess­ing game. Just do a com­par­i­son between what exists and what is being tout­ed now as part of the Afford­able Care Act and you can see the gaps are too large. So it is no sur­prise that Well­point, par­ent of Anthem Blue Cross of Cal­i­for­nia, is threat­en­ing dou­ble dig­it rate increas­es in 2015. The Con­sumer Watch­dog Cam­paign has said that Well­point has done bet­ter than any oth­er car­ri­er in terms of new enroll­ment, and thus should not be talk­ing about rate increas­es. So…we have the Insur­ance Rate Pub­lic Jus­ti­fi­ca­tion and Account­abil­i­ty Act on the Novem­ber bal­lot in Cal­i­for­nia. Great…so increas­ing mys­tery will be shroud­ed in greater bureau­crat­ic mis­ery and enig­mas mul­ti­ply as every­one seeks to jus­ti­fy their position.