reglab/housing_qa huggingface dataset:
LA Rev Stat § 22:1066.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1066.1. Benefit limits; lifetime; annual

RS 1066.1 - Benefit limits; lifetime; annual  A. Except as provided for in Subsection C of this Section, any health coverage plan issued for delivery, delivered, renewed, or otherwise contracted for in this state on or after January 1, 2020, shall provide coverage without any lifetime limit on the dollar amount of benefits for any individual.  B. Except as provided for in Subsections C and D of this Section, any health coverage plan newly issued for delivery, delivered, renewed, or otherwise contracted for in this state on or after January 1, 2020, shall provide coverage without any annual limit on the dollar amount of benefits for any individual.  C. This Section shall apply 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 pursuant to 45 CFR Part 156.  (2) Required as a state-mandated health benefit pursuant to Title 22 of the Louisiana Revised Statutes of 1950.  D. Subsection B of this Section shall not apply to a health coverage plan that meets all of the following criteria:  (1) Is health insurance coverage offered only to individuals in the individual market.  (2) Covers only individuals who have been continuously covered by the health coverage plan since March 23, 2010.  (3) Is qualified as a grandfathered health plan coverage pursuant to 29 CFR Section 2590.715-1251 as of calendar year 2019.  E. No provision of this Section shall 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.  F. As used in this Section, "health coverage plan" shall mean any hospital, health, or medical expense insurance policy, hospital or medical service contract, employee welfare benefit plan, contract or agreement with a health maintenance organization or a preferred provider organization, health and accident insurance policy, or any other insurance contract of this type, including a group insurance plan and the Office of Group Benefits plans.  G. The provisions of this Section shall not apply to limited benefit health insurance policies or contracts, as defined by R.S. 22:47.  Acts 2019, No. 212, §1.
LA Rev Stat § 22:1069 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1069. Disclosure of information

RS 1069 - Disclosure of information A. In connection with the offering of any health insurance coverage to a small employer, a health insurance issuer shall make a reasonable disclosure to such employer, as part of its solicitation and sales materials, of the availability of information described in Subsection B of this Section and upon request of such a small employer, provide such information. B.(1) Subject to the provisions of Subsection C of this Section, information described in this Section is information concerning: (a) The provisions of such coverage concerning the issuer's right to change premium rates and the factors that may affect changes in premium rates. (b) The provisions of such coverage relating to renewability of coverage. (c) The provisions of such coverage relating to any preexisting condition exclusion. (d) The benefits and premiums available under all health insurance coverage for which the employer is qualified. (2) Information under this Subsection shall be provided to small employers in a manner determined to be understandable by the average small employer, and shall be sufficient to reasonably inform small employers of their rights and obligations under the health insurance coverage. C. An issuer is not required under this Section to disclose any information that is proprietary and trade secret information under applicable law. Acts 1997, No. 1138, §1, eff. July 14, 1997; Redesignated from R.S. 22:250.8 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009. NOTE: Former R.S. 22:1069 redesignated as R.S. 22:791 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1076 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1076. General exceptions

RS 1076 - General exceptions A. The requirements of this Subpart shall not apply to any health insurance coverage in relation to its provision of excepted benefits described in R.S. 22:1061(3)(a). B. The requirements of this Subpart shall not apply to any health insurance coverage in relation to its provision of excepted benefits described in R.S. 22:1061(3)(b), (c), or (d) if the benefits are provided under a separate policy, certificate, or contract of insurance. Acts 1997, No. 1138, §1, eff. July 14, 1997; Redesignated from R.S. 22:250.16 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009. NOTE: Former R.S. 22:1076 redesignated as R.S. 22:833 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1076.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1076.1. Redesignated as R.S. 22:834 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.

RS 1076.1 - Redesignated as R.S. 22:834 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1079 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1079. Compliance of health insurance issuer with Gramm-Leach-Bliley Act

RS 1079 - Compliance of health insurance issuer with Gramm-Leach-Bliley Act A health insurance issuer who is in compliance with the privacy requirements of the federal Health Insurance Portability and Accountability Act of 1996 (42 USC 1320d) shall be deemed to be in compliance with state law intended to implement requirements of Title V of the federal Gramm-Leach-Bliley Act. Acts 2003, No. 659, §1; Redesignated from R.S. 22:250.20 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009. NOTE: Former R.S. 22:1079 redesignated as R.S. 22:836 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1080 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1080. Third-party premium payments; refusal of acceptance

RS 1080 - Third-party premium payments; refusal of acceptance A. No health insurance issuer or health maintenance organization shall refuse the receipt of a premium payment when such payment is made by a third-party to the insurance contract, provided that the payment is made from or pursuant to a fund or grant established by any one of the following: (1) The Ryan White HIV/AIDS Program pursuant to Title XXVI of the Public Health Service Act. (2) Indian tribes, tribal organizations, or urban Indian organizations. (3) State or federal government programs. (4) The American Kidney Fund. B. This Section shall not be construed to require a health insurance issuer or health maintenance organization to accept a third-party premium payment from a health care provider. Redesignated as R.S. 22:837 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009. Acts 2014, No. 491, §1
LA Rev Stat § 22:1081 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1081. Redesignated as R.S. 22:796 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.

RS 1081 - Redesignated as R.S. 22:796 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1092.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1092.1. Grandfathered health coverage; rating practices

RS 1092.1 - Grandfathered health coverage; rating practices The rating practices and rating methods and the rating restrictions imposed by law upon grandfathered health coverage in the individual market and small group market that are in effect on the day that this Section takes effect, including the restrictions on rate increases and required notices for such increases, shall remain binding upon such grandfathered health coverage. Such grandfathered coverage is exempt from the provisions of this Subpart, unless specifically provided for otherwise. Acts 2014, No. 718, §1, eff. June 18, 2014.
LA Rev Stat § 22:1093 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1093. Disclosure of rating practices and renewability provisions for insureds

RS 1093 - Disclosure of rating practices and renewability provisions for insureds A. Each health insurance issuer shall make reasonable disclosure in solicitation and sales materials provided to insureds of the provisions relating to renewability of coverage. B. Each health insurance issuer shall provide its insureds with a written notice and reasonable explanation and justification, including the contributing factors for the rate increase, for any rate increase no less than forty-five days prior to the effective date of such increase. Acts 1991, No. 777, §2, eff. Sept. 30, 1992; Acts 2001, No. 272, §1, eff. Jan. 1, 2002; Redesignated from R.S. 22:228.4 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2014, No. 718, §1, eff. June 18, 2014.
LA Rev Stat § 22:1094 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1094. Maintenance of records for the department

RS 1094 - Maintenance of records for the department A. Each health insurance issuer shall maintain at its principal place of business a complete and detailed description of its rating practices, including information and documentation which demonstrate that its rating methods and practices are based upon commonly accepted actuarial assumptions and are in accordance with sound actuarial principles and the rules and regulations of the department. B. Each health insurance issuer shall file once per calendar year with the department an actuarial certification that the health insurance issuer is in compliance with this Subpart and that the rating methods of the health insurance issuer are actuarially sound. A copy of such certification shall be retained by the health insurance issuer at its principal place of business. C. A health insurance issuer shall make the information and documentation described in Subsection A of this Section available to the department for inspection. Acts 1991, No. 777, §2, eff. Sept. 30, 1992; Redesignated from R.S. 22:228.5 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2014, No. 718, §1, eff. June 18, 2014.
LA Rev Stat § 22:1095 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1095. Rating factors; risk pools; individual market plan and calendar year requirement

RS 1095 - Rating factors; risk pools; individual market plan and calendar year requirement A. Health insurance issuers may vary premiums from the plan-adjusted index rate in the individual or small group market due only to one or more of the following factors: (1) The number of persons such product or coverage covers, whether an individual or family. (2) Geographic rating area, as established in accordance with this Section. (3) Age, except that such variation shall be no more than three-to-one for adults. (4) Tobacco use as defined in 45 C.F.R. 147.102 or any subsequent federal law, except that such rate shall not vary by more than one- and one-half-to-one. B. Every health insurance issuer in this state shall maintain a single, separate, and distinct risk pool for the individual market and a single, separate, and distinct risk pool for the small group market. Health insurance issuers of student health plans shall maintain a single, separate, and distinct risk pool for student health plans. C. To the extent that they are applied to coverage issued to members within a family under a small group plan, the ratings variations permitted under Paragraphs (A)(3) and (4) of this Section shall be attributed to each member to whom those factors apply and the factors may be applied only as permitted by federal law. D. Consistent with the single risk pool requirement, as of January 1, 2015, all nongrandfathered coverage in the individual market shall be offered on a calendar year basis. For purposes of new enrollment effective on any date other than January first, the first policy year following such enrollment may comprise a prorated policy year, ending on December thirty-first. Any exceptions or modifications to the calendar year requirement by federal law or rule shall also apply to health insurance issuers under this Section. E. The department shall determine the geographic rating area or areas in this state by rule, regulation, bulletin, or any other mechanism made available by law. F. Any rate proposed to be used by a health insurance issuer shall be submitted and controlled by this Subpart. However, the commissioner shall have the authority to grant transitional relief from the provisions of this Subpart. Acts 1993, No. 655, §1; Acts 1995, No. 593, §1; Acts 1995, No. 1173, §1; Acts 1997, No. 1165, §1; Acts 2001, No. 272, §1, eff. Jan. 1, 2002; Acts 2004, No. 426, §1; Redesignated from R.S. 22:228.6 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 919, §1, eff. Jan. 1, 2011; Acts 2014, No. 718, §1, eff. June 18, 2014.
LA Rev Stat § 22:1096 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1096. Regulations; preemption

RS 1096 - Regulations; preemption A. The commissioner may promulgate such rules and regulations as may be necessary and proper to carry out the provisions of this Subpart and Section 2794 of the Public Health Service Act. Such rules and regulations shall be promulgated and adopted in accordance with the Administrative Procedure Act. B. If at any time a provision of this Subpart is in conflict with federal law or with regulations promulgated pursuant to federal law, such provision shall be preempted only to the extent necessary to avoid direct conflict with federal law or regulations. The commissioner shall subsequently administer and enforce the provisions of this Subpart in a manner that conforms to federal law or regulations. If necessary to preserve the department's regulatory authority or if necessary to effectively enforce the provisions of this Subpart, the commissioner may promulgate rules or regulations to that effect and may issue directives or bulletins on a provisional basis before such rules or regulations take effect. Such provisional basis for the issuance of directives or bulletins under this Section shall not exceed a period of one year. Acts 1990, No. 636, §1; Acts 1991, No. 848, §1; Acts 1993, No. 297, §1; Acts 1995, No. 418, §1; Redesignated from R.S. 22:229 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 595, §1; Acts 2014, No. 718, §1, eff. June 18, 2014.
LA Rev Stat § 22:1097 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1097. Discrimination in rates or failure to provide coverage because of severe disability or sickle cell trait prohibited

RS 1097 - Discrimination in rates or failure to provide coverage because of severe disability or sickle cell trait prohibited A. No insurance company shall charge unfair discriminatory premiums, policy fees, or rates for, or refuse to provide any policy or contract of life insurance, life annuity, or policy containing disability coverage for a person solely because the applicant therefor has a severe disability, unless the rate differential is based on sound actuarial principles or is related to actual experience. No insurance company shall unfairly discriminate in the payments of dividends, other benefits payable under a policy, or in any of the terms and conditions of such policy or contract solely because the owner of the policy or contract has a severe disability. B. As used in this Section, "severe disability" means any disease of, or injury to, the spinal cord resulting in permanent and total disability, amputation of any extremity that requires prosthesis, permanent visual acuity of twenty/two hundred or worse in the better eye with the best correction, a peripheral field so contracted that the widest diameter of such field subtends an angular distance no greater than twenty degrees, total deafness, inability to hear a normal conversation or use a telephone without the aid of an assistive device, or any developmental disability, including but not limited to autism, cerebral palsy, epilepsy, intellectual disabilities, and other neurological impairments. C. No insurance company shall charge unfair discriminatory premiums, policy fees, or rates for, or refuse to provide any policy, subscriber agreement, or contract of life insurance, life annuity, or policy containing disability coverage for a person solely because the applicant therefor has sickle cell trait. No insurance company shall unfairly discriminate in the payments of dividends, other benefits payable under a policy, or in any of the terms and conditions of such policy or contract solely because the insured of the policy or contract has sickle cell trait. Nothing in this Subsection shall prohibit waiting periods, pre-existing conditions, or dreaded disease rider exclusions, or any combination thereof, as may be permitted by federal law. Added by Acts 1981, No. 766, §1. Amended by Acts 1982, No. 643, §1; Redesignated from R.S. 22:652.1 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2014, No. 718, §1, eff. June 18, 2014; Acts 2014, No. 811, §11, eff. June 23, 2014.
LA Rev Stat § 22:1098 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1098. Frequency of rate increases; limitations

RS 1098 - Frequency of rate increases; limitations A. The following rate increase limitations shall apply to all health benefit plans, limited benefits, and excepted benefits: (1) Health insurance issuers of limited benefits and excepted benefits policies shall not increase rates during the initial twelve months of coverage, and may not do so more than once in any six-month period following the initial twelve-month period. (2) Health insurance issuers shall not increase rates for policies or plans in the individual market during the plan year. Rate increases for policies or plans in the individual market may occur only upon renewal or upon commencement of the policy or plan year. (3) Rates for policies or plans in the small group market shall not increase during the initial twelve months of coverage. B. No health insurance issuer issuing policies or subscriber agreements shall increase its rates or reduce the covered benefits under the policy or subscriber agreement after the commencement of the minimum one-hundred-eighty-day period following the notice of the discontinuation of offering all health insurance coverage as described in R.S. 22:1068(C)(2)(a)(i) or 1074(C)(2)(a)(i). C. This Section shall not affect increases in the premium amount due to any change required for compliance with the addition of a newly covered person or policy benefit level, or such changes necessary to comply with R.S. 22:1095 or other state or federal law, regulation, or rule. Acts 2014, No. 718, §1, eff. June 18, 2014.
LA Rev Stat § 22:1099 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1099. Enforcement

RS 1099 - Enforcement A. Whenever the commissioner has reason to believe that any health insurance issuer is not in compliance with any of the provisions of this Subpart, he shall notify such health insurance issuer. Upon such notice, the commissioner may, in addition to the penalties in Subsection C of this Section, issue and cause to be served upon such health insurance issuer an order requiring the health insurance issuer to cease and desist from any violation. B. Any health insurance issuer who violates a cease and desist order issued by the commissioner pursuant to this Subpart while such order is in effect shall be subject to one or more of the following at the commissioner's discretion: (1) A monetary penalty of not more than twenty-five thousand dollars for each act or violation and every day the health insurance issuer is not in compliance with the cease and desist order, not to exceed an aggregate of two hundred fifty thousand dollars for any six-month period. (2) Suspension or revocation of the health insurance issuer's certificate of authority to operate in this state. (3) Injunctive relief from the district court of the district in which the violation may have occurred or in the Nineteenth Judicial District Court. C. As a penalty for violating this Subpart, the commissioner may refuse to renew, or may suspend or revoke the certificate of authority of any health insurance issuer, or in lieu of suspension or revocation of a certificate of authority, the commissioner may levy a monetary penalty of not more than one thousand dollars for each act or violation, not to exceed an aggregate of two hundred fifty thousand dollars. D. An aggrieved party affected by the commissioner's decision, act, or order may demand a hearing in accordance with Chapter 12 of this Title, R.S. 22:2191 et seq., except as otherwise provided by this Subpart. If a health insurance issuer has demanded a timely hearing, the penalty, fine, or order by the commissioner shall not be imposed until such time as the division of administrative law makes a finding that the penalty, fine, or order is warranted in a hearing held in the manner provided in Chapter 12 of this Title. Acts 2014, No. 718, §1, eff. June 18, 2014.
LA Rev Stat § 22:1121 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1121. Short title

RS 1121 - Short title  This Subpart shall be known and may be cited as the "Healthcare Coverage for Louisiana Families Protection Act".  Acts 2019, No. 412, §1, eff. June 11, 2019.
LA Rev Stat § 22:1122 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1122. Effectiveness

RS 1122 - Effectiveness  If a court of competent jurisdiction rules that the Patient Protection and Affordable Care Act, P.L. 111-148, is unconstitutional and the judgment of that court becomes final and definitive, the attorney general shall give written notification of the final and definitive ruling to the commissioner, the legislature, and the Louisiana State Law Institute. The provisions of this Subpart shall become effective ninety days after receipt by the commissioner of the written notification. However, no provision of this Subpart shall abridge or affect the provisions of insurance policies or contracts already in effect until such policies or contracts are renewed.  Acts 2019, No. 412, §1, eff. June 11, 2019.
LA Rev Stat § 22:1123 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1123. Preexisting condition exclusions prohibited

RS 1123 - Preexisting condition exclusions prohibited  A health insurance policy or contract issued or issued for delivery in this state after the effective date of this Subpart shall not impose a preexisting condition exclusion. This Section shall not limit an insurer's ability to restrict enrollment in an individual contract to open enrollment and special enrollment periods in accordance with other provisions of this Title.  Acts 2019, No. 412, §1, eff. June 11, 2019.
LA Rev Stat § 22:1124 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1124. Annual and lifetime limits prohibited

RS 1124 - Annual and lifetime limits prohibited  A health insurance policy or contract issued or issued for delivery in this state after the effective date of this Subpart shall not do either of the following:  (1) Establish lifetime limits on the dollar value of benefits for any participant or beneficiary.  (2) Establish annual limits on the dollar value of essential benefits, as determined by the commissioner, to the extent not inconsistent with applicable federal law.  Acts 2019, No. 412, §1, eff. June 11, 2019.
LA Rev Stat § 22:1125 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1125. Coverage for dependent children

RS 1125 - Coverage for dependent children  A health insurance policy or contract issued or issued for delivery in this state after the effective date of this Subpart that offers coverage for a dependent child shall offer dependent coverage, at the option of the policyholder, until the dependent child attains the age of twenty-six. An insurer may require, as a condition of eligibility for coverage in accordance with this Section, that a person seeking coverage for a dependent child provide written documentation on an annual basis that the dependent child satisfies the requirements applicable to dependent children in this Title.  Acts 2019, No. 412, §1, eff. June 11, 2019.