---
type: "Bill"
title: "Long-term care insurance."
description: "Existing law provides for regulation of insurers, including insurers issuing policies of long-term care insurance, by the Insurance Commissioner. Existing law requires benefits under individual long-term care insurance policies issued before new premium rate schedules are approved to be deemed reasonable in relation to premiums if the expected loss ratio is at least 60%, calculated in a manner that provides for adequate reserving of the risk."
jurisdiction: "us/states/ca"
legislature: "California Legislature"
session: "20092010"
identifier: "AB 389"
citation: "California AB 389 (20092010)"
classification: ["bill"]
subjects: ["Long-term care insurance."]
status: "enacted"
primary_sponsors: ["Saldana"]
version_count: 9
action_count: 27
vote_count: 6
first_action: "2009-02-23"
last_action: "2009-08-06"
source: "openstates"
source_identifier: "ocd-bill/c3b23d3e-f17a-4d35-a17c-1482e08b2a0d"
source_url: "http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=200920100AB389"
source_hash: "07fcdabcf1df20e6ddd0ef04b2d9cb6d92157a1910bc50a214bb5dc4a0c5a460"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ca"]
---

# California AB 389 (20092010) — Long-term care insurance.

Existing law provides for regulation of insurers, including insurers issuing policies of long-term care insurance, by the Insurance Commissioner. Existing law requires benefits under individual long-term care insurance policies issued before new premium rate schedules are approved to be deemed reasonable in relation to premiums if the expected loss ratio is at least 60%, calculated in a manner that provides for adequate reserving of the risk.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **02/23/09 - Introduced** (filed) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=200920100AB389&version=20090AB38999INT)
2. **04/13/09 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=200920100AB389&version=20090AB38998AMD)
3. **04/15/09 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=200920100AB389&version=20090AB38997AMD)
4. **04/30/09 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=200920100AB389&version=20090AB38996AMD)
5. **05/18/09 - Amended Assembly** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=200920100AB389&version=20090AB38995AMD)
6. **06/15/09 - Amended Senate** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=200920100AB389&version=20090AB38994AMD)
7. **08/06/09 - Chaptered** (committee substitute) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=200920100AB389&version=20090AB38992CHP)
8. **AB389** (committee substitute) — [source](http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=200920100AB389)
9. **07/15/09 - Enrolled** (enrolled) — [source](https://leginfo.legislature.ca.gov/faces/billPdf.xhtml?bill_id=200920100AB389&version=20090AB38993ENR)

## Votes

- Do pass, but re-refer to the Committee on Appropriations. — **pass** (pass) · upper
- Special Consent #12 AB389 Saldana — **pass** (pass) · upper
- Do pass as amended and be re-referred to the Committee on Appropriations. — **pass** (pass) · lower
- AB 389 SALDANA Concurrence in Senate Amendments — **pass** (pass) · lower
- Do pass as amended, to Consent Calendar. — **pass** (pass) · lower
- AB 389 SALDANA Consent Calendar Second Day Regular Session — **pass** (pass) · lower

## Sponsors

- Saldana — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2009-02-23** Read first time. To print. `reading-1`
- **2009-02-24** From printer. May be heard in committee March 26.
- **2009-04-13** Referred to Com. on INS. `referral-committee`
- **2009-04-13** From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended. `amendment-introduction, reading-2, amendment-passage, reading-1`
- **2009-04-15** Re-referred to Com. on INS. `referral-committee`
- **2009-04-15** From committee chair, with author's amendments: Amend, and re-refer to Com. on INS. Read second time and amended. `amendment-introduction, reading-2, amendment-passage, reading-1`
- **2009-04-16** Re-referred to Com. on INS. `referral-committee`
- **2009-04-29** From committee: Amend, do pass as amended, and re-refer to Com. on APPR. (Ayes 10. Noes 0.) (April 22). `amendment-introduction, amendment-passage, committee-passage`
- **2009-04-30** Read second time and amended. `amendment-passage, reading-2, reading-1`
- **2009-05-04** Re-referred to Com. on APPR. `referral-committee`
- **2009-05-14** From committee: Amend, and do pass as amended. To Consent Calendar. (May 13). `amendment-introduction, amendment-passage, committee-passage`
- **2009-05-18** Read second time and amended. Ordered returned to second reading. `amendment-passage, reading-2, reading-1`
- **2009-05-19** Read second time. To Consent Calendar. `reading-2, reading-1`
- **2009-05-21** Read third time, passed, and to Senate. (Ayes 77. Noes 0. Page 1632.) `reading-3, passage, reading-1`
- **2009-05-21** In Senate. Read first time. To Com. on RLS. for assignment. `reading-1`
- **2009-06-04** Referred to Com. on B., F. & I. `referral-committee`
- **2009-06-15** From committee chair, with author's amendments: Amend, and re-refer to committee. Read second time, amended, and re-referred to Com. on B., F. & I. `amendment-introduction, reading-2, amendment-passage, referral-committee, reading-1`
- **2009-06-22** From committee: Do pass, and re-refer to Com. on APPR. Re-referred. (Ayes 11. Noes 0.) (June 22). `committee-passage-favorable, committee-passage`
- **2009-06-29** From committee: Be placed on second reading file pursuant to Senate Rule 28.8. `committee-passage`
- **2009-06-30** Read second time. To third reading. `reading-2, reading-1`
- **2009-07-02** Ordered to Special Consent Calendar.
- **2009-07-09** Read third time, passed, and to Assembly. (Ayes 34. Noes 0. Page 1666.) `reading-3, passage, reading-1`
- **2009-07-09** In Assembly. Concurrence in Senate amendments pending. May be considered on or after July 11 pursuant to Assembly Rule 77.
- **2009-07-13** Senate amendments concurred in. To enrollment. (Ayes 74. Noes 0. Page 2490.) `amendment-passage, committee-passage-favorable`
- **2009-07-30** Enrolled and to the Governor at 1 p.m.
- **2009-08-05** Approved by the Governor. `executive-signature`
- **2009-08-06** Chaptered by Secretary of State - Chapter 101, Statutes of 2009.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c3b23d3e-f17a-4d35-a17c-1482e08b2a0d`. Confidence: reported (aggregated from official California legislature records).