Louisiana House Bill HB903

Louisiana 2010 Regular Session

• Introduced: 3/29/10
• Refer: 3/29/10

Caption

Provides for compliance with federal law for expanded coverage by the Louisiana Health Plan (OR SEE FISC NOTE FF EX)

Impact

The proposed changes in HB 903 will have a substantial impact on existing health insurance statutes in Louisiana. By eliminating the six-month preexisting condition limitation for federally eligible individuals, the bill directly addresses a critical barrier to healthcare access for those with ongoing health issues. The changes promote the inclusion of mental and nervous conditions, which were previously excluded, thus broadening the scope of coverage under the state's health plan. Moreover, it alters how initial insurance rates are calculated for participants, aiming to keep them within a specified range of standard individual risk rates.

Summary

House Bill 903 aims to enhance compliance with federal health coverage laws through the Louisiana Health Plan. The bill allows for the establishment of a high-risk pool that provides expanded healthcare coverage to federally eligible individuals. It makes several significant amendments, including redefining key terms related to health insurance, ensuring portability and renewability, and expanding the types of mental health conditions and substance abuses covered under the plan. This includes removing limitations on preexisting conditions for federally defined eligible individuals, thereby increasing accessibility to necessary health services.

Sentiment

Overall sentiment regarding HB 903 is expected to be mixed among stakeholders. Supporters, especially those advocating for better mental health coverage, see this as a progressive step toward more inclusive health insurance practices. By broadening coverage, they believe the bill prepares the state for a better alignment with federal standards and improves overall community health outcomes. Conversely, opponents may raise concerns about potential financial implications for insurers and whether the state can sustain the high-risk pool amidst varying insurance market conditions.

Contention

Notable points of contention surrounding the bill include the debate over raising premiums for non-federally defined eligible individuals due to the increased coverage options. Some legislators and insurance companies may argue that expanding coverage without corresponding support could lead to financial instability within the state's health plans. The balance between ensuring adequate coverage for high-risk individuals while managing costs and maintaining insurer participation in the market is central to the ongoing discussion surrounding the bill's implementation.