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01

Big Structural Change
to Drive Consumer Choice
& Lower Costs

Incremental change will not solve California's insurance crisis. We need bold, structural reform on the scale of what Amazon and Disney have delivered — transforming home, auto, business, and health insurance for every Californian.

The Problem

California is the world's greatest center for innovation. Yet we've failed to innovate where it matters most — in the insurance system that protects our families, homes, cars, and businesses. Our private sector is second to none, making California one of the most powerful economies on the planet. But our governmental sector has simply not kept up.

The result is an insurance crisis of major proportions across home, auto, business, and health insurance. Many Californians can't get the insurance they need. Those who can are facing spiking costs. Incremental fixes and half-measures will not get us out of this crisis.

We need big, structural change to get us out of our crisis. Change on the scale of the changes Amazon has made. Change on the scale Walt Disney made when he dreamed up and opened Disneyland.

Merritt's Approach

Merritt has more than 30 years of experience in business, technology, and law — including senior leadership at two of the world's most successful, customer-centric companies: Disney and Amazon. He knows what it takes to drive transformation at scale.

As Insurance Commissioner, Merritt will bring the same boldness and innovation mindset that launched Prime Video, Amazon Music, Kindle, and the Disneyland Resort's world-class guest operations to California's insurance system. This means:

Why Experience Matters

The Insurance Commissioner position demands deep expertise in business, technology, and law. Elect someone without that background and they will fail — as we've seen with the current commissioner, who has presided over an ever-deepening crisis with no plan to right the ship. Merritt has exactly the experience required. None of the other candidates do.

What This Means for You

Under Merritt's leadership, the Department of Insurance will be transformed from a bureaucratic bottleneck into a modern, innovation-driven agency that champions consumer interests. That means more insurance options, lower costs, faster claims, and a system that actually works for the people it was designed to protect.

California families and businesses deserve an Insurance Commissioner who has actually built and run complex systems at scale — not a career politician learning on the job while premiums skyrocket.

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Bring Insurers Back with CAL Reinsure

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