HLS 15RS-2975 ORIGINAL
2015 Regular Session
HOUSE CONCURRENT RESOL UTION NO. 187
BY REPRESENTATIVE ROBERT JOHNSON
INSURANCE/HEALTH: Requests the Department of Insurance to study the effects on
insureds and healthcare providers of the increasing amount of deductibles and
coinsurance obligations required by many health insurance products being offered
to Louisiana citizens
1 A CONCURRENT RESOL UTION
2To urge and request the Louisiana Department of Insurance to study the effects on insureds
3 and healthcare providers of the increasing amount of deductibles and coinsurance
4 obligations which are required by many of the health insurance products being
5 offered to Louisiana citizens.
6 WHEREAS, an increasing number of health insurance products being offered in the
7Louisiana market require insureds to meet high deductibles and large percentages of
8coinsurance obligations otherwise known as patient responsibility; and
9 WHEREAS, the average deductible of health insurance plans currently offered on
10the health insurance exchange is two thousand two hundred dollars with the highest
11deductible reaching six thousand six hundred dollars per person and with some plans
12requiring coinsurance as high as fifty percent; and
13 WHEREAS, because of these provisions and the potential lack of understanding
14regarding these complex policy provisions, insureds are faced with increased costs and
15healthcare providers are faced with rising amounts of uncollectible patient responsibility
16along with added administrative costs which result from trying to collect these amounts; and
17 WHEREAS, it is in the public interest for the Legislature of Louisiana to have a
18greater understanding of the effects of these issues not only on insureds and healthcare
19providers but also on the health insurance market as a whole and to determine if there are
20any areas where opportunities exist to identify solutions.
Page 1 of 3 HLS 15RS-2975 ORIGINAL
HCR NO. 187
1 THEREFORE, BE IT RESOLVED that the Legislature of Louisiana does hereby
2urge and request the Louisiana Department of Insurance to study the effects on insureds and
3healthcare providers of the increasing amount of deductibles and coinsurance obligations
4which are required by many of the health insurance products being offered to Louisiana
5citizens.
6 BE IT FURTHER RESOLVED that to assist the Department of Insurance in pursuit
7of this endeavor, the Legislature of Louisiana hereby urges and requests hospitals in this
8state to report to the Department of Insurance by January 1, 2016, the total amount of
9coinsurance and deductible obligations incurred by insureds on an aggregate basis for each
10respective health insurance issuer which are uncollected for a period of greater than ninety
11days and to further submit to each respective health insurance issuer listed on the report a
12separate report which lists on claim level basis the data which supports the aggregate total
13of uncollected coinsurance and deductible obligations which have not been collected.
14 BE IT FURTHER RESOLVED that the Department of Insurance shall submit its
15findings from the study in the form of a report of all of the aggregate data received pursuant
16to this Resolution to the House and Senate committees on insurance by March 1, 2016;
17however, in no case shall the Department of Insurance cause to be published any hospital or
18patient specific data.
19 BE IT FURTHER RESOLVED that a copy of this Resolution be transmitted to the
20Department of Insurance and to the Louisiana Hospital Association.
DIGEST
The digest printed below was prepared by House Legislative Services. It constitutes no part
of the legislative instrument. The keyword, one-liner, abstract, and digest do not constitute
part of the law or proof or indicia of legislative intent. [R.S. 1:13(B) and 24:177(E)]
HCR 187 Original 2015 Regular Session Robert Johnson
Urges and requests the La. Department of Insurance (DOI) to study the effects on insureds
and healthcare providers of the increasing amount of deductibles and coinsurance obligations
which are required by many of the health insurance products being offered to Louisiana
citizens.
Also urges and requests hospitals in this state to report to DOI by Jan. 1, 2016, the total
amount of coinsurance and deductible obligations incurred by insureds on an aggregate basis
for each respective health insurance issuer which are uncollected for a period of greater than
90 days and to further submit to each respective health insurance issuer listed on the report
a separate report which lists on claim level basis the data which supports the aggregate total
of uncollected coinsurance and deductible obligations which have not been collected.
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HCR NO. 187
Further requires DOI to submit its findings from the study in the form of a report of all of
the aggregate data received to the House and Senate committees on insurance by March 1,
2016.
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