HLS 19RS-882 ORIGINAL
2019 Regular Session
HOUSE BILL NO. 308
BY REPRESENTATIVE JORDAN
Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.
INSURANCE/HEALTH: Prohibits lifetime and annual limits on health insurance benefits
1 AN ACT
2To enact R.S. 22:1066.1, relative to dollar amount limits on health insurance benefits; to
3 prohibit lifetime limits; to prohibit annual limits; to provide for applicability; to
4 establish exceptions; to provide for interpretation; to define key terms; and to
5 provide for related matters.
6Be it enacted by the Legislature of Louisiana:
7 Section 1. R.S. 22:1066.1 is hereby enacted to read as follows:
8 ยง1066.1. Benefit limits; lifetime; annual
9 A. Except as provided for in Subsection C of this Section, any health
10 coverage plan issued for delivery, delivered, renewed, or otherwise contracted for in
11 this state on or after January 1, 2020, shall provide coverage without any lifetime
12 limit on the dollar amount of benefits for any individual.
13 B. Except as provided for in Subsections C and D of this Section, any health
14 coverage plan newly issued for delivery, delivered, renewed, or otherwise contracted
15 for in this state on or after January 1, 2020, shall provide coverage without any
16 annual limit on the dollar amount of benefits for any individual.
17 C. This Section shall apply only to covered benefits that are either of the
18 following:
Page 1 of 3
CODING: Words in struck through type are deletions from existing law; words underscored
are additions. HLS 19RS-882 ORIGINAL
HB NO. 308
1 (1) Included among the covered benefits of the base-benchmark plan
2 selected for the state of Louisiana for calendar year 2019 pursuant to 45 CFR Section
3 156.
4 (2) Required as a state mandated health benefit pursuant to Title 22 of the
5 Louisiana Revised Statutes of 1950.
6 D. Subsection B of this Section shall not apply to a health coverage plan that
7 qualified as a grandfathered health plan coverage pursuant to 29 CFR Section
8 2590.715-1251 as of calendar year 2019.
9 E. No provision of this Section shall be interpreted to require any health
10 coverage plan issued for delivery, delivered, renewed, or otherwise contracted for in
11 this state to include particular covered benefits.
12 F. As used in this Section, "health coverage plan" shall mean any hospital,
13 health, or medical expense insurance policy, hospital or medical service contract,
14 employee welfare benefit plan, contract or agreement with a health maintenance
15 organization or a preferred provider organization, health and accident insurance
16 policy, or any other insurance contract of this type, including a group insurance plan
17 and the Office of Group Benefits plans.
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)]
HB 308 Original 2019 Regular Session Jordan
Abstract: Prohibits annual and lifetime dollar amount limits on health insurance benefits.
Proposed law requires any health coverage plan issued for delivery, delivered, renewed, or
otherwise contracted for in this state on or after Jan. 1, 2020, to provide coverage without
any lifetime limit or annual limit on the dollar amount of benefits for any individual.
Proposed law applies only to covered benefits that are either of the following:
(1)Included among the covered benefits of the base-benchmark plan selected for the
state of Louisiana for calendar year 2019.
(2)Required as a state mandated health benefit pursuant to the Louisiana Insurance
Code.
Page 2 of 3
CODING: Words in struck through type are deletions from existing law; words underscored
are additions. HLS 19RS-882 ORIGINAL
HB NO. 308
Proposed law does not apply to a health coverage plan that qualified as a grandfathered
health plan coverage pursuant to federal law as of calendar year 2019.
Proposed law shall not be interpreted to require any health coverage plan issued for delivery,
delivered, renewed, or otherwise contracted for in this state to include particular covered
benefits.
Proposed law defines "health coverage plan".
(Adds R.S. 22:1066.1)
Page 3 of 3
CODING: Words in struck through type are deletions from existing law; words underscored
are additions.