Currently, there are only two FEHA insurance levels, self and family. Create additional levels: married couple and family size greater than 4. Charge larger families much more than families of 4 or less. Charge couples less than families, but more than the single rate. Charge additional for families with children over 22 years old, instead of spreading the costs over other insureds. This would encourage smaller families, which equals less cost for food, education,infrastructure, etc.
Idea No. 10108