Now to the upcoming election and Proposition 45.

This ballot measure would give the California insurance commissioner's office the power to reject proposed health insurance premiums.

The commission currently has that power with auto and homeowner costs.

Supporters say this will save consumers billions, while opponents argue it will stymie important new reforms set by the federal health law.

Southern California Public Radio's Stephanie O'Neill shares more. 

Related: Prop. 45: Will it help or hurt consumers?