Voters in California, Georgia, Kansas and Oklahoma will choose their state insurance commissioners in the Nov. 6 midterm elections.

Insurance commissioner races have the potential to effect massive changes in states given the offices' abilities to approve mergers and acquisitions; their rights to approve, disapprove or renegotiate insurance premium rate increases; and their powers to protect consumers.

S&P Global Market Intelligence breaks down the candidates' platforms in each race.

- Eleven states elect their insurance commissioners. - Only California, Georgia, Kansas and Oklahoma are holding elections in 2018. - The other 39 states and the District of Columbia have insurance commissioners appointed by governors or the mayor.

Oklahoma's commissioner race features two insurance heavyweights with deep knowledge of processes, policy and issues both consumers and the industry face in the state.

Glen Mulready: Republican Mulready touts his 35 years of experience in the insurance industry as a businessman, regulator and state legislator.

Mulready's priorities center around the Affordable Care Act, which he says limits choices for consumers in Oklahoma. He said in an interview that short-term plans are "not for everyone."

"They're an answer, but ultimately consumers need to have full transparency and disclosure of what these plans cover and what they don't," he said. "I intend to make the department a public servant."

Kimberly Fobbs: Democrat Fobbs spent more than a dozen years as a data manager for MetLife Inc. She says healthcare is the top problem facing Oklahoma.

She said in an interview that she would convene meetings with CEOs of every industry in the healthcare ecosystem to discuss what the state and companies can do to help residents live healthier lives.

"I want to be business friendly," Fobbs said.