Every long-term-care insurance policy sold in California has to be approved by the California Department of Insurance, which also publishes a consumer rate guide and holds CDI-regulated policies to the state's rate-stabilization and actuarial-review standards. CDI additionally keeps a public rate-increase history available to consumers (CDI, Long Term Care Insurance; CDI, Long Term Care Insurance Rate History).
None of that oversight means premiums are frozen — the Department of Health Care Services confirms that CDI does approve premium increases, including for policies issued under California's own Partnership Program (DHCS, Partnership Premium Increases).
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