Cal. Code Regs. tit. 10 § 2220.27
Except to the extent specifically provided otherwise in Sections 2220.7 through 2220.30, deductables and coinsurance percentage factors are prohibited by this Article unless the benefits provided are of real economic value and the use of other coinsurance percentage factors and deductibles are approved by the Commissioner in accordance with the procedure provided under Section 2220.7. The Commissioner shall consider under the provision of Section 2220.7 other deductibles and coinsurance percentage factors for basic hospital, medical and surgical coverages provided that the benefits, in the opinion of the Commissioner, are not less than the actuarial equivalent for a covered person of the minimum benefits specified in this Article for the same type of benefit.
Cal. Code Regs. Tit. 10, § 2220.27