ENROLLED
2015 Regular Session
HOUSE CONCURRENT RESOL UTION NO. 187
BY REPRESENTATIVE ROBERT JOHNSON
A CONCURRENT RESOL UTION
To urge and request the Louisiana Department of Insurance 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.
WHEREAS, an increasing number of health insurance products being offered in the
Louisiana market require insureds to meet high deductibles and large percentages of
coinsurance obligations otherwise known as patient responsibility; and
WHEREAS, the average deductible of health insurance plans currently offered on
the health insurance exchange is two thousand two hundred dollars with the highest
deductible reaching six thousand six hundred dollars per person and with some plans
requiring coinsurance as high as fifty percent; and
WHEREAS, because of these provisions and the potential lack of understanding
regarding these complex policy provisions, insureds are faced with increased costs and
healthcare providers are faced with rising amounts of uncollectible patient responsibility
along with added administrative costs which result from trying to collect these amounts; and
WHEREAS, it is in the public interest for the Legislature of Louisiana to have a
greater understanding of the effects of these issues not only on insureds and healthcare
providers but also on the health insurance market as a whole and to determine if there are
any areas where opportunities exist to identify solutions.
THEREFORE, BE IT RESOLVED that the Legislature of Louisiana does hereby
urge and request the Louisiana Department of Insurance 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.
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BE IT FURTHER RESOLVED that to assist the Department of Insurance in pursuit
of this endeavor, the Legislature of Louisiana hereby urges and requests hospitals in this
state to report to the Department of Insurance by January 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 ninety
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.
BE IT FURTHER RESOLVED that the Department of Insurance shall submit its
findings from the study in the form of a report of all of the aggregate data received pursuant
to this Resolution to the House and Senate committees on insurance by March 1, 2016;
however, in no case shall the Department of Insurance cause to be published any hospital or
patient specific data.
BE IT FURTHER RESOLVED that a copy of this Resolution be transmitted to the
Department of Insurance and to the Louisiana Hospital Association.
SPEAKER OF THE HOUSE OF REPRESENTATIVES
PRESIDENT OF THE SENATE
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