Louisiana insurance laws
What Louisiana has enacted on insurance, what each law requires, and what the bills still moving would do. Louisiana is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 214bills in scope
- Past committee
- 143past committee
- Most recent action
- 23 June 2026most recent action
Insurance laws enacted in Louisiana
82 insurance laws enacted in the Louisiana Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
What it requires: Insurers must verify a contractor's license status through the Louisiana State Licensing Board for Contractors website or portal before issuing payment when a contractor is a named payee on a check or draft for repair or restoration of immovable property. Payment must be made within thirty days after receipt of satisfactory proof of loss and completion of verification.
Licensing, solvency and market conduct
- HB 1236INSURANCE: Provides relative to pharmacy benefit managers reimbursements (EN +$2,265,844 SG EX See Note)Enacted 12 June 2026
What it does: Amends Louisiana insurance law to require pharmacy benefit managers to adopt reimbursement formulas with adjustment factors resulting in no more than two percent claim payment error rates per drug, and to establish professional dispensing fees at least equal to Louisiana Medicaid rates.
Health coverage and plan regulation
- HB 870INSURANCE/HEALTH: Provides relative to formulary placement and cost-sharing requirements for certain generic drugs and biosimilars (EN NO IMPACT See Note)Enacted 12 June 2026
What it requires: Health insurance issuers must provide detailed accounting of portfolio rebates or discounts by NDC when net cost is based on rebates including multiple drugs. Issuers must not remove reference listed drugs from formularies, increase cost sharing, or impose new utilization management for current users unless the provider agrees a switch is medically appropriate or a medical-necessity exception is granted.
Health coverage and plan regulation
- SB 387HEALTH/ACC INSURANCE: Provides relative to pharmacy benefit managers. (1/1/27) (EN INCREASE SG EX See Note)Enacted 12 June 2026
What it does: Adds exemptions to pharmacy benefit manager regulations, excluding health benefit plans established under and regulated by the Employee Retirement Income Security Act (ERISA) of 1974 from two sections of the bill's provisions.
Health coverage and plan regulation
- HB 1117INSURANCE: Provides relative to certain insurer contractual payments and prescriptive periodEnacted 9 June 2026
What it requires: When an insurer issues an unconditional payment on a claim filed under dwelling coverage or other structures coverage of a homeowners policy, the insurer must provide written notice to the claimant that the payment does not interrupt, suspend, or otherwise extend the prescription period applicable to the claim.
Licensing, solvency and market conduct
- HB 1199INSURANCE/HEALTH: Provides relative to health insurance coverage for genetic testing and the treatment of SCN2A-associated medical conditions (EN NO IMPACT See Note)Enacted 9 June 2026
Health coverage and plan regulation
- HB 1231MEDICAID MANAGED CARE: Provides relative to Medicaid coverage for continuous glucose monitoring devices for individuals with certain conditions (EN NO IMPACT See Note)Enacted 9 June 2026
What it requires: The Louisiana Medicaid program shall provide coverage for continuous glucose monitors for enrollees with any type of diabetes, including gestational diabetes, requiring insulin use more than two times daily or showing evidence of level 2 or level 3 hypoglycemia.
Health coverage and plan regulation
- HB 999MTR VEHICLE/COMPULS INS: Permits the impoundment of out-of-state vehicles not covered by compulsory liability insuranceEnacted 9 June 2026
What it requires: Operators of motor vehicles registered outside Louisiana must display proof of compulsory liability insurance when requested by law enforcement. If unable to show compliance, the motor vehicle shall be impounded and the operator issued a notice of noncompliance. These requirements apply to all motor vehicles operated in Louisiana, including out-of-state registered vehicles.
Auto insurance
- HB 291INSURANCE/HEALTH: Prohibits health insurers from taking adverse payment or contracting actions against participating facilities based solely on another provider's network status (EN INCREASE EX See Note)Enacted 8 June 2026
Health coverage and plan regulation
Health coverage and plan regulation
- HB 766INSURANCE/HEALTH: Provides relative to coverage for orally administered anti-cancer medications (EN +$66,367 SG EX See Note)Enacted 8 June 2026
Health coverage and plan regulation
- HB 850INSURANCE: Provides relative to cancellation notice requirements in the Standard Fire PolicyEnacted 8 June 2026
What it does: Amends the Standard Fire Policy cancellation notice requirements. The provisions apply to new policies issued on or after July 1, 2026, and existing policies must convert to comply by their renewal date or July 1, 2027, whichever is earlier.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 909INSURANCE: Required coverage for behavioral health crisis services (EN INCREASE EX See Note)Enacted 8 June 2026
Health coverage and plan regulation
- HB 1235INSURANCE/HEALTH: Modifies provisions of law regarding health insurance coverage of prosthetic and custom orthotic devices and services (EN INCREASE EX See Note)Enacted 3 June 2026
What it requires: Health coverage plans must determine eligibility and coverage limits for prosthetic and orthotic devices based on medical necessity in consultation with the enrollee's medical providers. Coverage must equal at minimum the federal payment rates under 42 U.S.C. 1395k, 1395l, and 1395m. Plans may not exclude coverage for devices designed for physical activity or showering and bathing through blanket exclusions.
Health coverage and plan regulation
- HB 740MEDICAID MANAGED CARE: Provides for independent claims review of Coordinated System of Care providersEnacted 3 June 2026
Health coverage and plan regulation, Licensing, solvency and market conduct
- SB 408WORKERS' COMPENSATION: Provides relative to the workers' compensation reimbursement schedule. (gov sig) (EN INCREASE SD EX See Note)Enacted 3 June 2026
What it does: Makes technical amendments to workers' compensation reimbursement schedule provisions by correcting punctuation, adding the word 'days', and changing multiple references from 'Part' to 'Subpart' throughout the statute.
Workers' compensation, surety and specialty lines
- HB 1154INSURANCE: Prohibits prior authorizations requirements for certain generic medications prescribed by qualified physicians (EN NO IMPACT GF EX See Note)Enacted 2 June 2026
What it does: Prohibits insurance companies from requiring prior authorization for certain generic medications prescribed by qualified physicians or authorized providers.
Health coverage and plan regulation
- HB 1176INSURANCE/HEALTH: Requires that Medicare Advantage plans provide insurance coverage for integrative care services (EN SEE FISC NOTE See Note)Takes effect 1 January 2027
Health coverage and plan regulation
- HB 1196INSURANCE/HEALTH: Provides relative to coverage of colorectal cancer screening, colonoscopies, and associated preventive services (EN NO IMPACT See Note)Enacted 2 June 2026
Health coverage and plan regulation
- HB 1241CHILDREN/SUPPORT: Directs insurers to conduct data matches and to withhold and remit certain insurance and settlement payments to satisfy child support obligations (EN INCREASE SG RV See Note)Enacted 2 June 2026
Licensing, solvency and market conduct
- HB 430LAW ENFORCE/OFFICERS: Enacts the MJ 911 Act to extend health insurance coverage for families of law enforcement officers and firemen employed by the City of Lafayette who are killed in the line of duty (EN INCREASE LF EX See Note)Enacted 2 June 2026
What it does: Enacts the MJ 911 Act to extend health insurance coverage to families of law enforcement officers and firemen employed by the City of Lafayette who are killed in the line of duty.
Health coverage and plan regulation
- HB 456WORKERS COMPENSATION: Provides relative to claims for benefits under workers' compensationEnacted 2 June 2026
What it requires: A petition for workers' compensation benefits must set forth the names and addresses of parties, the time, place, nature, and cause of the injury, factual statements identifying the specific compensation benefit alleged to be due but unpaid or disputed, and a prayer for relief. An employer or payor may file a disputed claim only when alleging fraud or when appealing a medical director's decision.
Workers' compensation, surety and specialty lines
- SB 155HEALTH/ACC INSURANCE: Provides for coverage of certain dental care when connected with cancer treatment. (gov sig) (EN INCREASE GF EX See Note)Enacted 2 June 2026
What it requires: Health insurers must cover evaluation, imaging, clinical examination, and dental procedures that are medically necessary to reduce infection risk, eliminate infection, or treat tooth loss or decay as part of pre-cancer treatment screening when performed as part of pre-treatment medical clearance protocol for insureds scheduled to undergo cancer treatment.
Health coverage and plan regulation
- SB 295HEALTH/ACC INSURANCE: Provides for insurance coverage of services for persons with acquired brain injuries. (8/1/26) (EN NO IMPACT See Note)Enacted 2 June 2026
What it does: Requires health insurance coverage of services for persons with acquired brain injuries that are not progressive, hereditary, congenital, or degenerative, including functional daily activities and appropriate care levels.
Health coverage and plan regulation
- SB 341SELF INSURANCE: Provides for the Louisiana Churches and Nonprofit Religious Organizations Self-Insured Fund. (gov sig)Enacted 2 June 2026
What it requires: The Louisiana Churches and Nonprofit Religious Organizations Self-Insured Fund must submit an application to the department for authority to act as a group self-insurance fund for property commercial coverage. Each initial member must pledge to make an advance payment of not less than twenty-five percent of that member's first year estimated annually earned normal premiums prior to the fund providing coverage. The fund must maintain excess insurance or reinsurance contracts approved by the department.
Workers' compensation, surety and specialty lines
- SB 382WORKERS' COMPENSATION: Repeals provisions relative to the Workers' Compensation Advisory Council. (8/1/26)Enacted 2 June 2026
Workers' compensation, surety and specialty lines
- SB 276INSURANCE DEPARTMENT: Provides for the appointment of a bail bond producer. (8/1/26) (EN +$410,830 SG EX See Note)Enacted 1 June 2026
What it requires: Before receiving an appointment, a bail bond producer must submit an affidavit to the commissioner, signed under oath and by all former insurers, stating the producer owes no premiums or unsatisfied judgments and agrees to discharge all outstanding forfeitures and judgments on previously written bonds. If the producer fails to satisfy forfeitures or judgments, the appointing insurer must immediately cancel the appointment.
Licensing, solvency and market conduct
- SB 509INSURANCE DEPARTMENT: Provides relative to bank-owned life insurance. (8/1/26)Enacted 1 June 2026
Life insurance and annuities
- HB 786MEDICAID MANAGED CARE: Prohibits certain processes used in healthcare provider claim paymentsEnacted 29 May 2026
Health coverage and plan regulation
- SB 100AUTOMOBILE INSURANCE: Provides for proof of insurance of transportation network companies involved in an accident. (8/1/26)Enacted 29 May 2026
Auto insurance
- SB 489MOTOR VEHICLES: To authorize third party vendors to conduct a license plate inquiry on motor vehicles to verify insurance liability coverage. (8/1/26) (EN NO IMPACT See Note)Enacted 29 May 2026
Auto insurance
- HB 1187INSURANCE: Provides for emergency assessments of the Louisiana Citizens Property Insurance CorporationEnacted 27 May 2026
What it requires: The Louisiana Citizens Property Insurance Corporation must not transfer, donate, or dispose of emergency assessment monies until all bonds or indebtedness secured by those assessments are paid in full or defeased. Within 90 days of satisfaction, the governing board must adopt a resolution certifying this and directing transfer of excess emergency assessment monies to the Louisiana Fortify Homes Program Fund. The corporation must submit the resolution and a report within 60 days of transfer to legislative committees and post on its website.
Property, catastrophe and climate risk
- HB 1151INSURANCE: Provides relative to the equity and investments of domestic insurersEnacted 22 May 2026
What it requires: Life insurers must not acquire equity interests exceeding twenty percent of admitted assets or unlisted equity interests exceeding five percent of admitted assets. Insurers other than life insurers must not acquire equity interests exceeding fifty percent of admitted assets or one hundred percent of surplus as regards policyholders. All insurers must limit securities of a single issuer to three percent of admitted assets.
Licensing, solvency and market conduct
Property, catastrophe and climate risk
What it requires: Any person or entity not licensed to sell insurance may refer customers to insurance sellers or companies by telephone number, email, website, or direct referral. Compensation for such referrals must not be a sales commission and must not be based on the customer's purchase of insurance.
- HB 904INSURANCE: Establishes guidelines for the regulation of captive insurance companies and risk retention groupsEnacted 22 May 2026
What it does: Amends Louisiana insurance law to modify provisions regulating captive insurance companies and risk retention groups by revising statutory cross-references and clarifying ownership prohibitions and statement requirements for captive insurance companies.
Workers' compensation, surety and specialty lines
Auto insurance
What it requires: The named insured, its insurer, or authorized representative must notify the additional insured in writing at least thirty days before the next annual premium is due or within seven days of binding renewal coverage, whichever is less, when additional insured coverage is purchased with expressly quoted group premium payment.
Licensing, solvency and market conduct
- SB 192HEALTH/ACC INSURANCE: Provides for the method of dental reimbursement or payments. (gov sig)Enacted 22 May 2026
What it requires: A dental plan initiating or changing payments to a dentist using electronic funds transfers or credit card payments must obtain express acceptance from the provider through clear and direct written agreement to the payment method. Violation of this requirement nullifies any election on claim payment methodology until a new express agreement is executed.
Health coverage and plan regulation
- SB 241INSURANCE DEPARTMENT: Requires the inclusion of the license number of adjusters and appraisers in all written communications. (8/1/26)Enacted 22 May 2026
Licensing, solvency and market conduct
- SB 84HEALTH/ACC INSURANCE: Provides relative to health insurance coverage for prostate cancer screening. (gov sig) (EN +$5,100 SG EX See Note)Enacted 22 May 2026
What it requires: Any health coverage plan delivered or issued for delivery in Louisiana must provide coverage for prostate cancer screening including digital rectal examination and prostate-specific antigen testing for men over fifty years and as medically necessary for men ages forty to forty-nine in accordance with National Comprehensive Cancer Network guidelines. Coverage must have no deductibles, coinsurance, copayments, or out-of-pocket expenses.
Health coverage and plan regulation
- HB 150LOCAL GOVERNMENT: Authorizes Cameron Parish to establish a local insurance programEnacted 15 May 2026
What it does: Authorizes Cameron Parish governing authority to establish by ordinance a local insurance program to assist homeowners with homeowners' and flood insurance costs, and to create a local insurance fund funded by parish appropriations, voluntary contributions, and grants.
- HB 185WORKERS COMPENSATION: Provides relative to the definition of an independent contractor (EN DECREASE SD EX See Note)Enacted 15 May 2026
Workers' compensation, surety and specialty lines
- HB 413INSURANCE: Prohibits an insurer from utilizing a rating factor in an automobile insurance rate filingTakes effect 1 January 2027
What it requires: Insurers shall not include a rating factor in an automobile insurance rate filings based solely on loss experience arising from a catastrophe or natural disaster that only affected other lines of insurance. This prohibition does not apply to multi-line policies.
Auto insurance
- SB 275HEALTH/ACC INSURANCE: Provides for reimbursement rates of services provided by CRNAs within their lawful scope of practice. (1/1/27)Takes effect 1 January 2027
Health coverage and plan regulation
- HB 46INSURANCE/GROUP-SHERIFFS: Provides relative to premium costs of group hospital and health insurance for retired sheriffs and retired deputy sheriffs in DeSoto ParishEnacted 11 May 2026
What it requires: The sheriff of DeSoto Parish must pay from the sheriff's general fund specified percentages of group hospital, surgical, medical expense, and dental insurance premium costs, plus the first ten thousand dollars of life insurance, for retired sheriffs and retired deputy sheriffs based on years of creditable service and hire date.
Health coverage and plan regulation
Workers' compensation, surety and specialty lines
- SB 162WORKERS' COMPENSATION: Provides relative to the workers' compensation medical treatment schedule. (8/1/26)Enacted 11 May 2026
What it requires: Any party who disagrees with a medical director's decision on the workers' compensation medical treatment schedule must appeal by filing a Disputed Claim for Compensation within forty-five days. A decision may be overturned only by clear and convincing evidence that it was not in accordance with the statute. The medical director must forward the entire record to the district hearing office within fifteen days of receiving notice of appeal.
Workers' compensation, surety and specialty lines
Licensing, solvency and market conduct
- HB 280WORKERS COMPENSATION: Provides relative to the collection of workers' compensation premiums (EN SEE FISC NOTE SG EX See Note)Enacted 1 July 2025
What it requires: An insurer must not collect workers' compensation premiums from an insured arising from a premium audit unless the insurer provides written notice to the insured within ninety days of the audit's completion by certified mail, commercial courier, or electronic transmission. An insurer must not modify or complete a premium audit more than three years after the policy period ends, with specified exceptions.
Workers' compensation, surety and specialty lines
- HB 437INSURANCE CLAIMS: Provides settlement practices for claims relative to property and rentals of motor vehiclesEnacted 1 July 2025
What it requires: Insurers must limit reasonable expenses in property and rental motor vehicle claims to rental expenses or loss of use expenses only when rental coverage was not approved, except during coverage investigations under a Reservation of Rights. Insurers must provide a proof of loss form consistent with the model form specified in the act, though different font, format, or trade dress is permitted.
Auto insurance, Licensing, solvency and market conduct
- HB 441INSURANCE DEPARTMENT: Provides for fees collected by the commissioner of insurance (EN +$5,311,560 SG RV See Note)Took effect 1 January 2026
What it requires: The commissioner of insurance shall collect specified fees in advance from health maintenance organizations, domestic and foreign companies, vehicle mechanical breakdown insurers, property residual value insurers, producers, claims adjusters, and public adjusters. Fees are increased effective January 1, 2026, including the annual financial regulation fee from $1,000.00 to $2,000.00 and various licensing and renewal fees.
Licensing, solvency and market conduct
Property, catastrophe and climate risk
- SB 61INSURANCE RATES: Provides for the use of credit information in underwriting or rating of certain personal insurance policies. (8/1/25)Took effect 1 July 2026
What it requires: Insurers must provide consumers a copy of credit information obtained by the insurer in connection with the initial application or any subsequent renewal policy. The act also requires insurers to provide consumers with credit information obtained and to provide for adverse action.
AI and data in underwriting and claims
- HB 264INSURANCE/HEALTH: Provides for transparency and compensation practices relative to pharmacy benefit managers (EN +$90,000 SG EX See Note)Enacted 20 June 2025
What it requires: Pharmacy benefit managers and health insurance issuers must not directly or indirectly charge or hold pharmacists or pharmacies responsible for any fee. Pharmacy benefit managers must notify pharmacies of claim payment errors and make retroactive price adjustments in the next payment cycle. Pharmaceutical drug manufacturers must provide notice within thirty days of increasing wholesale acquisition cost by more than fifteen percent annually or introducing new specialty drugs.
Health coverage and plan regulation
- HB 408INSURANCE/HEALTH: Requires health insurance coverage relative to pediatric acute-onset neuropsychiatric syndrome and related conditions (EN INCREASE GF EX See Note)Enacted 20 June 2025
Health coverage and plan regulation
- HB 467INSURANCE/HEALTH: Requires health insurance coverage for amino acid-based elemental formulas (EN INCREASE GF EX See Note)Enacted 20 June 2025
What it requires: The state risk director shall pay extraordinary medical and dental expenses for firemen and law enforcement officers injured in the course of their official duties, as determined by the Law Enforcement Officers and Firemen's Survivor Benefit Review Board, up to a maximum of fifty thousand dollars per injury per officer.
Health coverage and plan regulation
- HB 475TAX CREDITS: Extends the sunset date of the tax credit for retaliatory taxes paid by certain domestic insurers (EN SEE FISC NOTE GF RV See Note)Enacted 20 June 2025
What it requires: Louisiana domestic insurers authorized to write insurance in Louisiana and at least one other state on an admitted basis as of July 1, 2023, shall be allowed a refundable credit against insurance premium taxes due on the Annual Premium Tax Return due March first each year for retaliatory taxes paid to other states, provided no credit shall be granted for retaliatory taxes based on insurance premiums written in other states after December 31, 2034.
- HB 496INSURANCE/AUTOMOBILE: Provides relative to lapses in required insurance coverageEnacted 20 June 2025
Auto insurance
- HB 622INSURANCE/HEALTH: Requires health insurance coverage for histotripsy procedures (EN NO IMPACT See Note)Enacted 20 June 2025
What it does: Creates an advisory board within the Department of Insurance to review and provide medical recommendations for approving new treatments for rare cancers, specifies the board's composition of 14 members from various health organizations and agencies, and requires quarterly public meetings with written reports submitted to the legislature.
Health coverage and plan regulation
Licensing, solvency and market conduct
- SB 137INSURERS: Requires insurers to notify the Department of Insurance upon ceasing, pausing, or resuming the writing of policies in a particular region. (1/1/26)Took effect 1 January 2026
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- SB 16HEALTH/ACC INSURANCE: Provides relative to health stop-loss insurance. (8/1/25) (EN NO IMPACT See Note)Enacted 20 June 2025
What it requires: Health stop-loss policies issued to small employers after January 1, 2026, must contain specific attachment points and aggregate attachment points, guarantee rates for at least twelve months, align benefit limitations with the employer's health plan, and pay claims within forty-eight months after contract expiration. Insurers must provide a separate disclosure form explaining coverage limitations and potential employer risk before purchase.
Health coverage and plan regulation
- SB 182MEDICAID: Provides relative to Medicaid prior authorization during a declared emergency. (8/1/25) (EN NO IMPACT See Note)Enacted 20 June 2025
What it does: During a declared emergency, the Louisiana Department of Health may suspend utilization management requirements, including prior authorization and concurrent review, for the Medical Assistance Program to ensure uninterrupted access to healthcare services.
Health coverage and plan regulation
- SB 34INSURANCE CLAIMS: Provides that alteration of a repair estimate without notification to the author of the estimate, supplement, or revision is a fraudulent insurance act. (8/1/25)Took effect 1 July 2026
Licensing, solvency and market conduct
- HB 635INSURANCE DEPARTMENT: Establishes the Creating Holistic Options in Coverage for Enterprise and Self-Insurance (CHOICES) LawEnacted 16 June 2025
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 357INSURANCE/HEALTH: Requires health insurance coverage for integrative cancer treatments (EN INCREASE GF EX See Note)Enacted 10 June 2025
What it does: Requires health insurance coverage for integrative cancer treatments without cost-sharing barriers like deductibles, coinsurance, copayments, or prior authorization, except insurers may limit acupuncture to fifteen visits per plan year unless nationally recognized cancer guidelines recommend more.
Health coverage and plan regulation
- HB 121INSURANCE: Provides prohibitions relative to public adjusters and home improvement contractorsEnacted 8 June 2025
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 258INSURANCE/AUTOMOBILE: Provides relative to automobile liability insurance premiums of policyholders sixty-five years of age or olderEnacted 8 June 2025
Auto insurance
- HB 345INSURANCE/PROPERTY: Provides for notices relative to residential property insuranceTook effect 1 July 2026
What it requires: Insurers must mail or deliver written notice of cancellation or nonrenewal of residential property insurance policies at least forty-five days prior to the effective date of cancellation or nonrenewal, except when termination is for nonpayment of premium. Insurers must include in the notice the cause for which the insurer is failing to renew the policy.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 382INSURANCE/HEALTH: Requires insurance coverage of home visiting services for newborns and young children (EN NO IMPACT See Note)Enacted 8 June 2025
What it requires: A health coverage plan delivered or issued in Louisiana that provides maternity services benefits must include coverage for voluntary home visiting services, including at least one visit during a newborn's first three months of life and at least one follow-up visit no later than three months after the last visit, with a maximum of five visits from birth to age three.
Health coverage and plan regulation
- SB 129INSURERS: Requires health insurers to cover proton therapy for cancer patients. (8/1/25) (EN NO IMPACT See Note)Enacted 8 June 2025
Health coverage and plan regulation
- SB 138HEALTH/ACC INSURANCE: Provides for health insurance coverage for retired employees of district attorneys' offices. (8/1/25)Enacted 8 June 2025
What it requires: Health insurance issuers must accept for enrollment retired former employees of district attorneys' offices funded by local sales and use tax, provided the individual was formerly a certificate holder, is no longer employed due to retirement, and is not yet Medicare-eligible. Health insurance issuers must not discriminate between active and retired employees based on employment status.
Health coverage and plan regulation
- HB 122INSURANCE: Creates the Louisiana Roof Registry (EN +$45,430 SG EX See Note)Enacted 4 June 2025
What it does: Creates the Louisiana Roof Registry within the Department of Insurance as a voluntary registry where property owners and local/municipal governments may submit building permit information, and authorizes the commissioner to adopt rules governing the registry's operation and use of submitted information.
Property, catastrophe and climate risk, Licensing, solvency and market conduct
- HB 329INSURANCE DEPARTMENT: Provides for the disposition of proceeds from certain taxes and fees collected by the Department of InsuranceTook effect 1 July 2026
Licensing, solvency and market conduct
- HB 401INSURANCE DEPARTMENT: Provides relative to certain assessed fees on direct premiums of insurersEnacted 4 June 2025
What it does: Amends the Insurance Fraud Investigation Dedicated Fund Account to require unexpended and unencumbered monies at fiscal year end be refunded to insurers on a pro-rata basis rather than retained, and repeals a fee reduction provision.
Licensing, solvency and market conduct
- HB 438INSURANCE/RATES: Provides relative to advertising expenses and prohibits use of certain expenses in setting insurance ratesTook effect 1 January 2026
What it requires: Insurers shall not consider institutional advertising expenses when setting rates. Institutional advertising expenses are defined as advertising not aimed at obtaining business for a specific insurer nor providing consumers with information pertinent to the decision whether to purchase an insurance product.
Licensing, solvency and market conduct
- SB 40INSURANCE DEPARTMENT: Updates licensure requirements for persons regulated by the Department of Insurance. (8/1/25)Enacted 4 June 2025
What it requires: Life insurance producers and consultants, accident and health insurance producers and consultants, property and casualty insurance producers and consultants, and adjusters and public adjusters must complete twenty-four hours of approved continuing education prior to license renewal, including at least three hours on ethics and at least two hours on legislative updates in insurance law. Individuals employed by insurers may adjust losses not exceeding five hundred two thousand dollars without a license.
Licensing, solvency and market conduct
- HB 148INSURANCE: Requires insurers to provide prior premium amounts with renewals of certain insurance policies and repeals the distinction between competitive and noncompetitive markets with respect to the regulation of insurance ratesEnacted 28 May 2025
What it requires: Insurers must provide prior premium amounts with renewals of certain insurance policies. Rates, supplementary rate information, and supporting information filed by insurers shall be open to public inspection upon expiration of the notification period or upon disapproval, except for information deemed confidential, trade secret, or proprietary by the commissioner.
Licensing, solvency and market conduct
- HB 549INSURANCE/AUTOMOBILE: Provides a premium discount for commercial motor vehicles with dashboard cameras and telematics systemsTook effect 1 January 2026
Auto insurance
Insurance in Louisiana, by topic
Health coverage and plan regulation
68 bills, 33 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
66 bills, 24 enacted. Enacted in 47 states.
Property, catastrophe and climate risk
34 bills, 8 enacted. Enacted in 31 states.
Auto insurance
26 bills, 9 enacted. Enacted in 29 states.
Workers' compensation, surety and specialty lines
26 bills, 9 enacted. Enacted in 45 states.
AI and data in underwriting and claims
7 bills, 1 enacted. Enacted in 12 states.
Life insurance and annuities
3 bills, 1 enacted. Enacted in 24 states.
Insurance bills in Louisiana
The bills not yet law, furthest along first, with what each would do.
82Enacted
27Cleared both chambers
34Past committee
71Introduced or inactive
214 bills in scope
Cleared both chambers
25 of 27 shown
What it would do: Requests the Louisiana Department of Insurance to annually compile and publish comprehensive data and information regarding insurance claims, including specified details about claims processing and resolution.
What it would do: Creates the PACE Task Force to study GLP-1 medication clinical history, accessibility, and insurance costs, with members appointed by August 1, 2026, to submit written findings to the legislature by February 12, 2027.
What it would do: Urges the Louisiana Department of Health to require biannual Medicaid Care Incentive Payment transparency reports from each Quality Improvement Network, Louisiana Quality Network, and Medicaid managed care organization, submitted to specified legislative committees and including incentive payment amounts, participating hospitals, and performance results.
What it would do: Urges the Louisiana State Law Institute to establish a HOPE Committee to study methods improving efficiency, transparency, and fairness of residential property insurance claims with Louisiana Citizens Property Insurance Corporation following catastrophic losses, with a report due February 1, 2027.
What it would do: Urges the Louisiana Department of Health and Louisiana commercial health insurance payors to increase reimbursement rates for behavioral health crisis centers operating under a crisis receiving center license.
What it would do: Urges the Department of Insurance to study insurer steering practices directing customers to preferred repair facilities, dispute resolution procedures for vehicle damage claims, and potential gaps in enforcement authority, with recommendations due to the Senate Committee on Insurance by February 1, 2027.
What it would do: Urges the Department of Insurance and Louisiana Department of Health to jointly review Louisiana's biomarker testing coverage law from January 1, 2024 to present and submit findings and recommendations to legislative committees by February 1, 2027.
What it would do: Continues a task force to study the impact on automobile insurance rates when bodily injury claimants submit medical treatment claims to out-of-network providers rather than in-network providers, with meetings continuing until February 5, 2027.
What it would do: Urges the Louisiana State Law Institute to study and recommend legislation requiring employers to provide workers' compensation or occupational accident insurance to independent contractors and single member business entities, with a report due to the legislature by January 1, 2027.
What it would do: Urges the Louisiana Department of Health to address oversight gaps in the Managed Care Incentive Payment program and submit quarterly progress reports to the House Committee on Health and Welfare beginning October 1, 2025 through July 1, 2026.
What it would do: Requests the Department of Insurance to study the impact on automobile insurance rates when healthcare providers refuse to accept insurance for accident-related injuries in favor of cash payments, and adds the executive director of the Louisiana Association of Business and Industry to the task force.
What it would do: Requests the Louisiana Department of Insurance to conduct a comprehensive study on incentives and benchmarks for the Louisiana Fortify Homes Program, including evaluating coastal building codes and making recommendations for new residential construction.
What it would do: Memorializes Congress to reform prior authorization processes by establishing clear timelines, reducing provider burden, eliminating requirements for generic medications, creating appeals processes, and implementing oversight mechanisms to prioritize patient needs over insurance protocols.
What it would do: Urges the Louisiana Department of Health to review the effectiveness of the Medicaid managed care program and improve oversight of managed care organization contracts, and requests a report by January 1, 2026 outlining efforts to improve healthcare outcomes and oversight.
What it would do: Urges the office of motor vehicles and Louisiana State Police to study methods of enforcing out-of-state vehicle insurance compliance, including procedures for penalties and temporary insurance, and to submit a joint report by January 15, 2026.
What it would do: Memorializes the United States Congress to pass the Flood Insurance Affordability Act, the Risk Rating 2.0 Transparency Act, and the Flood Insurance Affordability Tax Credit Act, and to end FEMA's Risk Rating 2.0 methodology to reduce flood insurance costs for Louisiana coastal residents and Americans nationwide.
What it would do: Urges the Office of Group Benefits to study expanding eligibility to include more political subdivisions and whether such expansion would benefit rates for all members and employers, with findings due to the House Committee on Appropriations by January 31, 2026.
What it would do: Urges the attorney general and Louisiana Department of Insurance to investigate pharmacy benefit managers for violations of law and requests the legislature pass legislation prohibiting PBMs from owning or having financial interests in pharmacies in Louisiana.
What it would do: Urges and requests the Louisiana Department of Insurance to study the impact of health insurance coverage mandates enacted since January 1, 2016, on health insurance premiums, employer-sponsored plans, and availability, and submit findings and recommendations to the House Committee on Insurance by February 1, 2026.
What it would do: Authorizes the Department of Insurance to create a task force, jointly with the Louisiana Department of Health, to study the feasibility of forming an independent review board to assist cancer patients and healthcare providers with prior authorization processes that do not comply with the Cancer Patient's Right to Prompt Coverage Act.
What it would do: Authorizes and directs the legislative auditor and Department of Insurance to study financial transactions between foreign and domestic insurers writing residential property and private passenger auto insurance in Louisiana and their affiliated companies from January 1, 2021 to December 31, 2024, with a report due by September 1, 2026.
Showing the 25 furthest along of 132. Subscribers see all of them, filtered and searchable. Bill titles link to the Louisiana Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Louisiana have an insurance law?
Yes. Louisiana enacted 82 insurance laws in the 2025 and 2026 sessions, among them HB 1162, HB 1236 and HB 870. Each is listed on this page with what it requires.
When do Louisiana's insurance laws take effect?
HB 1176 on 1 January 2027, HB 413 on 1 January 2027, SB 275 on 1 January 2027, HB 441 on 1 January 2026 and SB 61 on 1 July 2026. The others have no single date in their text.
Which insurance bills are moving in Louisiana?
61 bills not yet law have passed a committee or a chamber, the furthest along HCR 118 (passed both), HCR 120 (passed both) and HCR 107 (passed both).
What does Louisiana legislate on most in insurance?
Health coverage and plan regulation (68 bills), Licensing, solvency and market conduct (66 bills) and Property, catastrophe and climate risk (34 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Louisiana
- AI in Louisiana32
- Alcohol in Louisiana20
- Cannabis in Louisiana13
- Children's Online Safety in Louisiana11
- Cybersecurity in Louisiana2
- Data center and energy in Louisiana9
- Data Privacy in Louisiana9
- Employment in Louisiana26
- Healthcare in Louisiana68
- Intellectual Property in Louisiana9
- Packaging and PFAS in Louisiana1
- Payments and fintech in Louisiana12
- Rental housing in Louisiana9
- Tobacco and nicotine in Louisiana11
- Transportation in Louisiana25
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Louisiana's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.