{"id":750448,"date":"2025-08-18T06:00:00","date_gmt":"2025-08-18T11:00:00","guid":{"rendered":"https:\/\/oklahomawatch.org\/?p=750448"},"modified":"2025-11-19T20:40:19","modified_gmt":"2025-11-20T02:40:19","slug":"the-rates-of-wrath","status":"publish","type":"post","link":"https:\/\/oklahomawatch.org\/2025\/08\/18\/the-rates-of-wrath\/","title":{"rendered":"The Rates of Wrath"},"content":{"rendered":"<div class=\"wp-block-custom-everlit-iframe-embed\"><iframe loading=\"lazy\" title=\"Everlit Audio Player\" src=\"https:\/\/everlit.audio\/embeds\/artl_gaN16tx97EK?client=wp&amp;client_version=2.6.0\" width=\"100%\" height=\"80px\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n<p>In 2019, an auto insurance study published by the Consumer Federation of America compared the regulatory framework of California with states across the country; California\u2019s prior approval system had saved California drivers $154 billion on automobile insurance policies over a 20-year period, outperforming many states, Oklahoma included, that operated on a file-and-use regulatory framework, the study said.<\/p>\n\n\n\n<p>The McCarran-Ferguson Act of 1945 empowered states to create their own regulatory frameworks. These frameworks can be broadly characterized as either file-and-use or prior approval.<\/p>\n\n\n\n<p>Prior approval means that insurance companies must submit rate change filings to regulators before they are applied to customers, to ensure that rates are not excessive.<\/p>\n\n\n\n<p>File-and-use (or use-and-file) means that insurance companies file rates and instantly begin charging customers. In some file-and-use jurisdictions, actuarial scrutiny of rate filings to protect customers may come later, but in Oklahoma that scrutiny is never<a href=\"https:\/\/oklahomawatch.org\/2025\/07\/16\/oklahoma-has-nations-highest-average-homeowners-insurance-premiums\/\"> applied<\/a>.<\/p>\n\n\n\n<p>In recent months, the statutory limitations on Oklahoma\u2019s ability to challenge excessive rates have come under fire; studies of property insurance rate-making have been proposed and approved in both the Oklahoma Senate and House of Representatives, which will evaluate Oklahoma\u2019s legislation on rate regulation.<\/p>\n\n\n\t<div class=\"wp-block-newspack-blocks-homepage-articles is-style-borders wpnbha show-image image-alignright ts-4 is-1 is-landscape is-style-borders\" style=\"\">\n\t\t<div data-posts data-current-post-id=\"744625\">\n\t\t\t\t\t\t\t<h2 class=\"article-section-title\">\n\t\t\t\t\t<span>the latest<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\n\t<article data-post-id=\"754196\" class=\"tag-attorney-general tag-cdc tag-covid-19 tag-george-monks tag-measles tag-oklahoma-news tag-oklahoma-state-department-of-health tag-oklahoma-state-medical-association tag-whooping-cough category-health category-publichealth type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2026\/01\/05\/oklahoma-health-department-refuses-to-share-county-level-measles-data\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"Oklahoma Health Department Refuses to Share County-Level Measles Data\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/Monks_15-scaled.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (min-width: 782px) 600px, (min-width: 600px) 42.5vw, 90vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2026\/01\/05\/oklahoma-health-department-refuses-to-share-county-level-measles-data\/\" rel=\"bookmark\">Oklahoma Health Department Refuses to Share County-Level Measles Data<\/a><\/h3>\t\t\t\t\t\t\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/paulmonies\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/cropped-Paul-Monies.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2022\/08\/cropped-Paul-Monies-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/paulmonies\/\">Paul Monies<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t<time class=\"entry-date published\" datetime=\"2026-01-05T06:01:00-06:00\">January 5, 2026<\/time><time class=\"updated\" datetime=\"2026-01-05T11:05:42-06:00\">January 5, 2026<\/time>\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\t\t<\/div>\n\t\t\n\t<\/div>\n\t\n\n\n<p>The 2019 Consumer Federation of America study got specific: had Oklahoma adopted a prior approval framework like California\u2019s, Oklahomans would have saved $1 billion per year on automobile insurance alone.<\/p>\n\n\n\n<p><strong>California Was a Mess<\/strong><\/p>\n\n\n\n<p>The 2019 study was primarily authored by J. Robert Hunter, a veteran federal insurance administrator who ran the National Flood Insurance Program in the 1970s. That was when the organization cut ties with insurance companies that were overcharging the government and underpaying homeowners.<\/p>\n\n\n\n<p>Hunter remembered well the moment in the 1980s when he was invited to give a presentation about insurance to the California Legislature.<\/p>\n\n\n\n<p>California was a mess, Hunter said. The state\u2019s property insurance rates were out of control \u2014 homeowners and auto \u2014 and their regulatory framework was as soft or softer than the file-and-use model that today gives insurers unchecked power in Oklahoma.<\/p>\n\n\n\n<p>Hunter traveled to California to propose an entirely different model: prior approval. He had been invited to California by prominent Democrat and Speaker of the California State Assembly, Willie Brown; nevertheless, Brown publicly denounced Hunter\u2019s proposal the moment he made it.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-thumbnail\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"140\" height=\"140\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1-140x140.jpg?resize=140%2C140&amp;ssl=1\" alt=\"\" class=\"wp-image-750456\" style=\"aspect-ratio:2\/3;object-fit:cover\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1.jpg?resize=140%2C140&amp;ssl=1 140w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1.jpg?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1.jpg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1.jpg?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Mulready-Glen-scaled-1-140x140.jpg?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 140px) 100vw, 140px\"><figcaption class=\"wp-element-caption\">Insurance Commissioner Glen Mulready<\/figcaption><\/figure>\n<\/div>\n\n\n<p>It didn\u2019t matter. A California consumer advocate took up Hunter\u2019s proposal, which became known as Proposition 103. $700,000 was raised to champion the effort against an $81 million counter-attack from the insurance industry.<\/p>\n\n\n\n<p>That didn\u2019t matter either. Voters approved Proposition 103 in 1986, and the measure passed constitutional muster two years later.<\/p>\n\n\n\n<p>Hunter went on to serve briefly as the commissioner of the Texas Department of Insurance, and in 1980 he founded a consumer-oriented nonprofit watchdog group designed to monitor the insurance industry and educate consumers. In 1995, this organization was folded into the Consumer Federation of America, a consortium of 300 nonprofits dedicated to consumer protection.<\/p>\n\n\n\n<p>Hunter has been called the father of insurance consumer advocacy.<\/p>\n\n\n\n<p>In 2019, Hunter\u2019s study \u201cAuto Insurance Regulation, What Works 2019: How States Could Save Consumers $60 Billion a Year\u201d reflected on two decades of Proposition 103, documenting the billions saved by California drivers.<\/p>\n\n\n\n<p>If the entire country had adopted the same prior approval model as California, Hunter wrote, Americans would have saved $1 trillion.<\/p>\n\n\n\n<p><strong>It\u2019s Not Just Homeowners Insurance<\/strong><\/p>\n\n\n\n<p>A recent Lending Tree<a href=\"https:\/\/www.lendingtree.com\/insurance\/income-home-insurance-study\/\"> study<\/a> found that Oklahomans pay the highest average homeowners insurance rate in the country at $6,331 per year; the same study found that California ranked lowest, at $1,260 per year. As a percentage of average income, the difference between Oklahoma and California was even more stark: Oklahomans pay 6.84% of their total income on homeowners insurance; Californians pay 0.88%.<\/p>\n\n\n\n<p>A new study from<a href=\"https:\/\/www.thezebra.com\/resources\/home\/home-insurance-trends-report\/\"> The Zebra<\/a> ranked Oklahoma second only to Nebraska in homeowners rates at $7,246 per year. California paid $2,211.<\/p>\n\n\n\n<p>The problem of excessive property insurance rates in Oklahoma is not limited to homeowners insurance. The same Oklahoma laws that are failing to protect consumers on homeowners rates are failing to protect Oklahomans from wildly elevated auto insurance rates.<\/p>\n\n\n\n<p>Oklahoma Insurance Commissioner Glen Mulready has refused to speak to Oklahoma Watch on any aspect of the work of the Oklahoma Department of Insurance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"447\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=600%2C447&amp;ssl=1\" alt=\"\" class=\"wp-image-750455\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=600%2C447&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=300%2C224&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=768%2C572&amp;ssl=1 768w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=1024%2C763&amp;ssl=1 1024w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=780%2C581&amp;ssl=1 780w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=400%2C298&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?resize=706%2C526&amp;ssl=1 706w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM.jpg?w=1154&amp;ssl=1 1154w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Screenshot-2025-07-30-at-3.03.02-PM-600x447.jpg?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\"><figcaption class=\"wp-element-caption\">Oklahoma has outpaced the national increases in property rates. (J.C. Hallman\/Oklahoma Watch)<\/figcaption><\/figure>\n\n\n\n<p>For comment on Oklahoma\u2019s file-and-use system, Oklahoma Watch contacted former Oklahoma state legislator Marty Quinn, an insurance agent, and Farmer\u2019s Insurance lobbyist Chris Meredith, each of whom has announced campaigns to replace Mulready after his term ends in 2026; neither responded.<\/p>\n\n\n\n<p>Lending Tree Insurance Analyst Rob Bhatt said that Oklahoma\u2019s file-and-use system was based on a core assumption: if one company is charging too much, other companies will come in to charge lower rates and still be profitable.<\/p>\n\n\n\n<p>\u201cThat\u2019s the theory,\u201d Bhatt said.<\/p>\n\n\n\n<p>Lending Tree does not take a stance for or against any state\u2019s regulatory framework, Bhatt said. Proponents of file-and-use would point to competition as a driver of lower rates, speed in responding to acute market conditions, and reduced regulatory costs as the advantages of file-and-use systems, he said.<\/p>\n\n\n\n<p>\u201cThat may work in theory, it may work in some states, but on its own, file-and-use is not always a perfect solution,\u201d Bhatt said. \u201cThese factors alone don\u2019t always guarantee lower rates.\u201d<\/p>\n\n\n\n<p>Bhatt also noted that the world today, in terms of population, construction costs and frequency of severe storms, was significantly different from when file-and-use systems were first established.<\/p>\n\n\n\n<p><strong>The Raw Numbers<\/strong><\/p>\n\n\n\n<p>Hunter\u2019s auto insurance study drew a sharp contrast between Oklahoma\u2019s file-and-use and California\u2019s prior approval systems.<\/p>\n\n\n\n<p>In terms of total money spent nationwide, Americans suffered a 61.1% increase in raw costs from 1989 to 2015. In that time, California\u2019s prior approval framework ranked as second best in the country, with only a 12.5% increase over a quarter-century; Oklahoma\u2019s file-and-use ranked 42<sup>nd<\/sup> with a 106.3% increase.<\/p>\n\n\n\n<p>Isolating rates for liability insurance alone was even worse for Oklahoma.<\/p>\n\n\n\n<p>Average liability rates nationwide increased 58.5% from 1989 to 2015. California ranked first, enjoying a decrease in rates by 5.7%; Oklahoma ranked 44<sup>th<\/sup>, with rates climbing 111.4%.<\/p>\n\n\n\n<p>Hunter\u2019s conclusion did not single out Oklahoma, but it might as well have.<\/p>\n\n\n\n<p>\u201cSome states have saved drivers billions, while others have allowed significantly increased costs for drivers,\u201d Hunter wrote.<\/p>\n\n\n\n<p><strong>Hundreds of Billions in Savings<\/strong><\/p>\n\n\n\n<p>Oklahoma Senate Democratic Leader Julia Kirt, who has put out a<a href=\"https:\/\/bsky.app\/profile\/juliakirt.bsky.social\/post\/3lw374fr63s2x\"> call<\/a> for public input for an interim study on homeowners insurance in the Senate Business and Insurance Committee on October 7, offered praise for Hunter.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-medium is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"300\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S.jpg?resize=200%2C300&amp;ssl=1\" alt=\"\" class=\"wp-image-750457\" style=\"aspect-ratio:2\/3;object-fit:cover;width:150px\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=200%2C300&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=400%2C600&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=768%2C1152&amp;ssl=1 768w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=1024%2C1536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=1366%2C2048&amp;ssl=1 1366w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=1200%2C1800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=683%2C1024&amp;ssl=1 683w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=2000%2C2999&amp;ssl=1 2000w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=780%2C1170&amp;ssl=1 780w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?resize=706%2C1059&amp;ssl=1 706w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-scaled.jpg?w=1707&amp;ssl=1 1707w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/08\/Kirt20Julia20S-200x300.jpg?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\"><figcaption class=\"wp-element-caption\">Sen. Julia Kirt<\/figcaption><\/figure>\n<\/div>\n\n\n<p>\u201cAre car insurance companies taking advantage of Oklahomans because our state law lets them? This report sure makes it look that way,\u201d Kirt said in an email. \u201cWhile I\u2019m studying property insurance rates this interim, I will also be keeping an eye on car insurance to understand how our policies can do better across the board to ensure paying customers aren\u2019t getting a bad deal.\u201d<\/p>\n\n\n\n<p>Prior approval frameworks have their skeptics.<\/p>\n\n\n\n<p>In 2010, an<a href=\"https:\/\/www.leg.state.nv.us\/Session\/76th2011\/Exhibits\/Assembly\/CMC\/ACMC279L.pdf\"> analysis<\/a> from the Property Casualty Insurers Association of America cited the National Association of Insurance Commissioners to acknowledge that rate regulation had little impact on insurer profitability; nevertheless, the analysis championed competition.<\/p>\n\n\n\n<p>\u201cMore market-based systems lead to efficient allocation of resources, thus eliminating excessive rates and profits,\u201d the analysis said.<\/p>\n\n\n\n<p>More recently, a 2023<a href=\"https:\/\/laweconcenter.org\/resources\/rethinking-prop-103s-approach-to-insurance-regulation\/\"> paper<\/a> from the International Center for Law and Economics took direct aim at Hunter\u2019s Proposition 103. The report acknowledged that rates in California had not yet gone up, but challenged Proposition 103\u2019s savings to consumers on the grounds that the framework was slow to respond to acute market forces.<\/p>\n\n\n\n<p>\u201cThe Prop 103 rating system is slow, imprecise, and inflexible relative to other jurisdictions,\u201d the report said.<\/p>\n\n\n\n<p><strong>Padding of the Process<\/strong>\u00a0\u00a0\u00a0<\/p>\n\n\n\n<p>Hunter, 86, retired but continues to serve as emeritus insurance director for the Consumer Federation of America, rejected the claim that California\u2019s Proposition 103 was slow.<\/p>\n\n\n\n<p>Of course, prior approval\u2019s scrutiny of rates before charging customers was slower than allowing insurers to charge without oversight, but the true delay was from insurance companies that took months to respond to questions about excessive rates, Hunter said.<\/p>\n\n\n\n<p>\u201cInsurance rates are still very low in California compared to the rest of the nation,\u201d Hunter said.<\/p>\n\n\n\n<p>Hunter\u2019s study also challenged the assumption that file-and-use was better for competition.<\/p>\n\n\n\n<p>\u201cJust the opposite appears to be the case,\u201d Hunter wrote, noting that stronger regulation had fostered robust competitive markets. \u201cPrior approval states, in which insurance companies are subject to up-front scrutiny of their rate hikes, have yielded the best results for consumers over time.\u201d<\/p>\n\n\n\n<p>Of the years since the data of the 2019 study, Hunter offered cautious characterization of trends in ratings, acknowledging a slight narrowing in the last decade.<\/p>\n\n\n\n<p>Nationwide rates had tracked with inflation until two or three years ago, when rates spiked to two or three times the rate of inflation, Hunter said.<\/p>\n\n\n\n<p>Hunter could not rule out that insurance companies were artificially inflating rates; as an expert on homeowners and auto insurance, he was only too aware that in Oklahoma, home and auto rates were significantly elevated.<\/p>\n\n\n\n<p>\u201cI\u2019m sure there\u2019s padding of the process,\u201d Hunter said. \u201cI\u2019m fairly sure of that.\u201d<\/p>\n\n\n\n<p>Even more disturbing, it might not be limited to property insurance.<\/p>\n\n\n\n<p>\u201cIf it\u2019s happening in home and auto, then it could be happening in medical malpractice and other forms of insurance, as well,\u201d Hunter said.<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\" style=\"padding-top:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=600%2C600&amp;ssl=1\" alt=\"\" class=\"wp-image-747889\" style=\"object-fit:cover;width:160px;height:auto\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=140%2C140&amp;ssl=1 140w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/JC-Hallman.png?w=370&amp;ssl=1 370w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\"><\/figure>\n<\/div>\n\n\n<p><em>JC Hallman covers a variety of topics for Oklahoma Watch. Contact him at <a href=\"mailto:jchallman@oklahomawatch.org\">jchallman@oklahomawatch.org<\/a>.<\/em><\/p>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-small-font-size\" style=\"padding-right:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-container-core-group-is-layout-56a9e311 wp-block-group-is-layout-constrained\">\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\t<div class=\"wp-block-newspack-blocks-homepage-articles  wpnbha is-grid columns-3 colgap-3 show-image image-aligntop ts-4 is-3 is-landscape \" style=\"\">\n\t\t<div data-posts data-current-post-id=\"750448\">\n\t\t\t\t\t\t\t<h2 class=\"article-section-title\">\n\t\t\t\t\t<span>MORE FROM JC HALLMAN<\/span>\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\n\t<article data-post-id=\"754167\" class=\"tag-amy-palumbo tag-attorney-general-mike-hunter tag-gentner-drummond tag-homeowners-insurance tag-insurance tag-oklahoma-insurance-commissioner-glen-mulready tag-oklahoma-news tag-state-farm category-business series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2025\/12\/31\/judge-allows-attorney-general-to-intervene-in-state-farm-hail-lawsuit\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"Judge Allows Attorney General to Intervene in State Farm Hail Lawsuit\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/FullSizeRender-preview-scaled.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/12\/31\/judge-allows-attorney-general-to-intervene-in-state-farm-hail-lawsuit\/\" rel=\"bookmark\">Judge Allows Attorney General to Intervene in State Farm Hail Lawsuit<\/a><\/h3>\t\t\t\t\t\t<p>Emotions flared and patience was tested as Oklahoma County District Court Judge Amy Palumbo granted Attorney General Gentner Drummond\u2019s effort to intervene in a State Farm hail case that has raised ire in Oklahoma.<\/p>\n\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\">J.C. Hallman<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\n\t<article data-post-id=\"754029\" class=\"tag-billy-hursh tag-elections tag-gentner-drummond tag-homeowners tag-insurance tag-oklahoma-insurance-commissioner-glen-mulready tag-oklahoma-news tag-racketeering tag-rep-mark-tedford tag-sen-aaron-reinhardt tag-sen-julia-kirt tag-state-farm tag-state-rep-andy-fugate category-politics category-uncategorized type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2025\/12\/26\/too-little-too-late-too-weak-critics-react-to-proposed-insurance-legislation\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"Too Little, Too Late, Too Weak: Critics React to Proposed Insurance Legislation\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?zoom=2&amp;resize=1200%2C900&amp;ssl=1 2400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/TED_3242-scaled.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/12\/26\/too-little-too-late-too-weak-critics-react-to-proposed-insurance-legislation\/\" rel=\"bookmark\">Too Little, Too Late, Too Weak: Critics React to Proposed Insurance Legislation<\/a><\/h3>\t\t\t\t\t\t<p>Critics say new laws proposed by the insurance department ignore pervasive and sustained outrage over skyrocketing homeowners rates and would make it more difficult for policyholders to fight back.<\/p>\n\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\">J.C. Hallman<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\n\t<article data-post-id=\"753918\" class=\"tag-attorney-general tag-class-action-lawsuit tag-consumer-protection tag-corporate-accountability tag-corporate-misconduct tag-gentner-drummond tag-hail-damage tag-hurricane-katrina tag-insurance-claims tag-insurance-industry tag-insurance-litigation tag-legal-settlement tag-mckinsey-report tag-oklahoma tag-oklahoma-news tag-policyholder-rights tag-racketeering tag-rico tag-state-farm tag-wind-damage category-business series-hail-no-why-homeowners-insurance-is-so-expensive type-post post-has-image\">\n\t\t\t\t\t\t\t<figure class=\"post-thumbnail\">\n\t\t\t\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/2025\/12\/18\/state-farm-dodged-billions-in-2018-settlement-now-faces-fresh-rico-charges-in-oklahoma\/\" rel=\"bookmark\" tabindex=\"-1\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=1200%2C900&amp;ssl=1\" class=\"attachment-newspack-article-block-landscape-large size-newspack-article-block-landscape-large wp-post-image\" alt=\"State Farm Dodged Billions in 2018 Settlement, Now Faces Fresh RICO Charges in Oklahoma\" data-hero-candidate=\"1\" srcset=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=1200%2C900&amp;ssl=1 1200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=800%2C600&amp;ssl=1 800w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=600%2C450&amp;ssl=1 600w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=400%2C300&amp;ssl=1 400w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=200%2C150&amp;ssl=1 200w, https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/12\/635238368079.jpg?resize=1200%2C900&amp;ssl=1&amp;w=370 370w\" sizes=\"auto, (max-width: 34.9rem) calc(100vw - 2rem), (max-width: 53rem) calc(8 * (100vw \/ 12)), (min-width: 53rem) calc(6 * (100vw \/ 12)), 100vw\">\t\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/figure><!-- .featured-image -->\n\t\t\n\t\t<div class=\"entry-wrapper\">\n\t\t\t\t\t\t<h3 class=\"entry-title\"><a href=\"https:\/\/oklahomawatch.org\/2025\/12\/18\/state-farm-dodged-billions-in-2018-settlement-now-faces-fresh-rico-charges-in-oklahoma\/\" rel=\"bookmark\">State Farm Dodged Billions in 2018 Settlement, Now Faces Fresh RICO Charges in Oklahoma<\/a><\/h3>\t\t\t\t\t\t<p>Attorney General Gentner Drummond\u2019s petition charging State Farm with racketeering under Oklahoma\u2019s version of the RICO laws is not the first time that Oklahoma\u2019s largest writer of homeowners insurance has been accused of being a criminal enterprise. Last time, State Farm agreed to pay $250 million; will they settle once again?<\/p>\n\t\t\t\t<div class=\"entry-meta\">\n\t\t\t\t\t<a href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\"><img data-recalc-dims=\"1\" alt=\"Avatar photo\" src=\"https:\/\/i0.wp.com\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman.jpg?resize=48%2C48&amp;ssl=1\" srcset=\"https:\/\/oklahomawatch.org\/wp-content\/uploads\/2025\/01\/cropped-Hallman-96x96.jpg 2x\" class=\"avatar avatar-48 photo\" height=\"48\" width=\"48\"><\/a>\t\t\t\t\t\t<span class=\"byline\">\n\t\t\t\t\t\t\t<span class=\"author-prefix\">by<\/span> <span class=\"author vcard\"><a class=\"url fn n\" href=\"https:\/\/oklahomawatch.org\/author\/jchallman\/\">J.C. Hallman<\/a><\/span>\t\t\t\t\t\t<\/span><!-- .author-name -->\n\t\t\t\t\t\t\t\t\t\t<\/div><!-- .entry-meta -->\n\t\t\t\t\t\t\t\t<\/div><!-- .entry-wrapper -->\n\t<\/article>\n\n\t\t\t\t<\/div>\n\t\t\n\t<\/div>\n\t","protected":false},"excerpt":{"rendered":"<p>A 2019 Consumer Federation of America auto insurance study reveals that California&#8217;s prior-approval regulatory framework outperforms Oklahoma&#8217;s file-and-use framework, costing Oklahomans billions.<\/p>\n","protected":false},"author":2628589,"featured_media":750453,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"gigafact_has_fact_brief":false,"gigafact_remote_fact_brief_post_id":0,"gigafact_remote_sync_timestamp":"","gigafact_remote_sync_status":"","gigafact_remote_sync_response":"","gigafact_has_been_published":false,"newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"everlit_article_id":"artl_gaN16tx97EK","everlit_hide_embed":false,"everlit_embed_size":"","everlit_generation_settings":{"primary_voice":"101","guest_voice":"48","default_sonic_optimization":false,"default_conversation_mode":false,"default_read_alt_text":false,"default_read_urls":false,"default_publication":"pblc_lV8RK9ULW4x","intro_mixable":3,"outro_mixable":3,"intro_duration":15,"outro_duration":15,"intro_padding":3,"outro_padding":4,"default_skip_article_image":false,"skip_auto_generation":false,"disable_music":false,"disclaimer":"","disclaimer_voice":"","is_for_subscriber":false,"embed_ui_cover_art":true,"embed_ui_title_intro":"","embed_ui_title_icon":""},"_everlit_article_id":"","_everlit_hide_embed":false,"_everlit_embed_size":"","_everlit_generation_settings":[],"_everlit_content_hash":"e4c84c9f2b29708784757474820b6ceb","_everlit_metadata_hash":"899a2cd40c36ad954d2aba19ff5a9e72","_newspack_byline_active":false,"_newspack_byline":"","newspack_featured_image_position":"beside","newspack_post_subtitle":"Oklahomans Have Paid  Billions More in Premiums for Auto and Homeowners Policies","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[183,46,13036],"tags":[21150,21152,21144,20893,21314,21149,21145,19037,21151,21148,21147,21146],"series":[21432],"coauthors":[20669],"class_list":["post-750448","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","category-government","category-politics","tag-california-prop-103","tag-chris-meredith","tag-consumer-federation-of-america","tag-glen-mulready","tag-impact-hail","tag-international-center-for-law-and-economics","tag-j-robert-hunter","tag-julia-kirt","tag-marty-quinn","tag-national-association-of-insurance-commissioners","tag-property-casualty-insurers-association-of-america","tag-rob-bhatt","hashtags-insurance","series-hail-no-why-homeowners-insurance-is-so-expensive","entry"],"fact_brief":null,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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