Covered California’s announced 13% rate hike for health insurance rates in 2017 is going to hit consumers hard. It’s a double whammy since California policyholders have suffered from some of the narrowest networks of doctors and hospitals in the country, allegedly as the price paid for modest premium hikes the last couple of years. Now Californians have fewer choices of doctors – less than 25% of an area’s docs in most plans – and higher premiums: the worst of all worlds.