SB 840 (Kuehl), the California Health Insurance Reliability Act, (CHIRA), would provide fiscally sound, affordable health insurance coverage to all Californians, provide every Californian the right to choose his or her own physician and control health cost inflation. Reliable Coverage: Eligibility is based on residency, instead of on employment or income. Under CHIRA, all residents are covered. No California resident will ever again lose his or her health insurance because of unaffordable insurance premiums, or because he or she changes or loses a job, or goes to or graduates from college or has a pre-existing medical condition.