Health Care Benefits: Louisiana

Federal law and guidance on this subject should be reviewed together with this section.

Author: Jayne Zanglein, Western Carolina University

Summary

• Louisiana chose not to establish a state-based Marketplace under the Affordable Care Act. See Health Insurance Marketplaces Under the ACA.
• Louisiana has taken steps to preserve certain benefits made available under the Affordable Care Act. See Preserving ACA Benefits.
• Louisiana prohibits lifetime and annual limits on health coverage in certain circumstances. See Lifetime and Annual Limits.
• Same-sex marriage is legal nationwide. See Same-Sex Partner Benefits.
• Louisiana health mandates apply to group health insurance, accident plans and HMOs. See Scope of Mandates.
• Group health plans that allow dependents to enroll, must include coverage for newborns. See Dependent Coverage.
• Group health plans must provide coverage for certain illnesses, services and supplies. See Required Coverage Provisions.
• Employer policyholders of group health plans may consent to electronic delivery of insurance documents and notices on behalf of their covered employees if certain conditions are met. See Electronic Delivery of Insurance Documents and Notices .