Prohibits group health plan and life insurance policy issuers from denying coverage or offering incentives based upon vaccination status
Impact
If enacted, HB 535 would amend existing Louisiana state insurance law to provide stronger protections against discrimination based on vaccination status. This means that insurance companies would face restrictions in how they handle claims and eligibility related to an insured individual's vaccination history. The law empowers the state’s insurance commissioner to enforce these provisions through cease and desist orders and allows affected individuals to pursue civil actions against violators. This legislative move represents a significant change in regulatory approach towards health insurance practices related to vaccination.
Summary
House Bill 535, sponsored by Representative Amedee, seeks to prohibit group health plan and life insurance policy issuers in Louisiana from making any coverage decisions based on an individual's vaccination status. The bill aims to ensure that such status cannot be used to deny, limit, or terminate coverage, nor can it influence the premiums charged for health insurance plans. By addressing vaccination discrimination, the bill responds to growing concerns regarding the impact of vaccination policies on health insurance accessibility and equity.
Sentiment
The sentiment around HB 535 is largely supportive among advocates for public health and individual rights who view it as a necessary measure to protect citizens' access to insurance without prejudice. These proponents argue that the bill embodies fundamental principles of fairness and non-discrimination. Conversely, there may be some opposition from certain sectors worried about implications for public health policy and the rights of insurance providers to establish their own criteria in underwriting processes.
Contention
Notable points of contention may arise regarding the balance between public health policy and individual rights within the realm of private insurance. Critics may argue that the bill could potentially undermine initiatives aimed at promoting vaccination, especially in contexts where insurers seek to encourage immunization among their policyholders through incentives. The tension lies in ensuring that laws support individual liberties while also considering the broader implications for community health and safety.
Prohibits insurance companies from requiring a person or business to have a certain vaccination status or requiring information from an applicant or policyholder regarding vaccination status. (8/1/22) (EN NO IMPACT See Note)