HLS 20RS-416 ORIGINAL
2020 Regular Session
HOUSE BILL NO. 85
BY REPRESENTATIVE GREEN
INSURANCE/RATES: Provides relative to insurance rate determinations based on risks
classified by the gender of an insured over the age of twenty-five
1 AN ACT
2To amend and reenact R.S. 22:1454(A), relative to insurance rating standards and methods;
3 to prohibit rate classifications based on the gender of an insured over the age of
4 twenty-five; and to provide for related matters.
5Be it enacted by the Legislature of Louisiana:
6 Section 1. R.S. 22:1454(A) is hereby amended and reenacted to read as follows:
7 ยง1454. Rating standards and methods
8 A. Rates shall not be inadequate or unfairly discriminatory in a competitive
9 market. Rates shall not be excessive, inadequate, or unfairly discriminatory in a
10 noncompetitive market. Risks may be classified using any criteria except that no
11 risk shall be classified on the basis of race, gender of an insured over the age of
12 twenty-five, color, creed, or national origin.
13 * * *
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 85 Original 2020 Regular Session Green
Abstract: Prohibits risks classifications based on the gender of an insured over the age of
twenty-five when determining rates.
Present law prohibits inadequate or unfairly discriminatory rates in a competitive market.
Page 1 of 2
CODING: Words in struck through type are deletions from existing law; words underscored
are additions. HLS 20RS-416 ORIGINAL
HB NO. 85
Present law prohibits rates from being excessive, inadequate, or unfairly discriminatory in
a noncompetitive market.
Present law authorizes risk classifications based on any criteria except race, color, creed, or
national origin.
Proposed law retains present law and further prohibits risk classifications based on the
gender of a person when the person is over the age of twenty-five.
(Amends R.S. 22:1454(A))
Page 2 of 2
CODING: Words in struck through type are deletions from existing law; words underscored
are additions.