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Louisiana health insurance

Stubbornly low health ratings in the Pelican State – and how health reform might help

louisiana guide to health insurance

By
healthinsurance.org contributor
August 20, 2014

Many factors affect the overall health status of a state’s residents: the incidence of various diseases, smoking and alcohol consumption, immunization rates, uninsured rates, and many more. Unfortunately, many of these factors are negatives for Louisiana, making for consistently low public health rankings.

Follow the links below to dig into the details of Louisiana’s health scores and read how the Affordable Care Act could offer a path to improvement.

Louisiana health ratings

The Scorecard on State Health System Performance, produced by the Commonwealth Fund, ranks the states and the District of Columbia by overall health. Louisiana is at 48th in the 2014 evaluation, unchanged from 2009. See how Louisiana ranked on the individual health measures that make up the overall score.

Louisiana also ranked 48th in the 2013 America’s Health Rankings, a one-spot improvement from 2012. Louisiana’s health challenges are many: high rates of physical inactivity, obesity, diabetes, children living in poverty, infant mortality, and low birthweight babies.

For additional public health information, see Key Health Data About Louisiana.

Parish-level data is available from the Robert Wood Johnson Foundation and the Population Health Institute at the University of Wisconsin.

Louisiana and the Affordable Care Act

In the 2010 vote that established the Affordable Care Act, Sen. Mary Landrieu voted yes, while Sen. David Vitter voted no. Among Louisiana’s House delegation, just one of the state’s seven representatives favored health care reform.

At the state level, Louisiana is dominated by Republicans, and the ACA has not gained traction. While legislation to establish a state-run exchange was considered, it did not pass.

Gov. Bobby Jindal strongly opposed the Affordable Care Act. He returned a $1 million federal planning grant for exploring a state-run insurance marketplace, defaulted to the federally facilitated marketplace, and rejected Medicaid expansion. Four years after the ACA was signed into law, Jindal continued to call for repeal of the health reform law.

Has the ACA help Louisianans?

According to the Kaiser Family Foundation, about 866,000 people in Louisiana do not have health insurance. Through the ACA, about 298,000 of uninsured, nonelderly people in the state now qualify for tax credits to purchase health insurance through the marketplace.

Louisiana’s uninsured rate dropped from 21.7 percent in 2013 to 18.4 percent after the 2014 open enrollment period. The 3.3 percentage point drop is higher than the average 2.2 point decline seen among states that didn’t implemented a state-run marketplace or Medicaid expansion or that implemented only one of those measures.

Louisiana enrollment in QHPs

Nearly 102,000 Louisiana residents signed up for a qualified health plan (QHP) during 2014 open enrollment. Eighty-eight percent qualified for tax subsidies to reduce their premiums. A federal report released in June showed the average premium, after subsidies, for Louisiana residents was $83 a month.

Louisiana Medicaid

Expanding Medicaid to cover individuals and families with incomes up to 138 percent of the federal poverty level is one of the ACA’s main strategies to reduce the uninsured rate. Louisiana did not adopt the expanded eligibility criteria, a decision that excludes 364,000 state residents from the program according to the Kaiser Family Foundation.

Under current criteria, non-disabled Louisiana adults without dependent children are not eligible for Medicaid no matter how little they earn. Those with dependent children are eligible only if their household income is under 24 percent of the federal poverty level. More than 14,000 state residents qualified for Medicaid or the Children’s Health Insurance Program (CHIP) under the state’s existing eligibility criteria during the 2014 open enrollment period.

Learn about Louisiana’s Medicaid programs.

Other ACA reform provisions

The ACA’s Consumer Operated and Oriented Plan (CO-OP) Program was established to promote market competition through nonprofit, consumer-run health insurance companies. Twenty-four CO-OPs received loans totaling $2.09 billion as of January 2014. See where CO-OPs were launched.

Louisiana Health Cooperative received a $65.8 million start-up loan. Louisiana Health Cooperative competed against Blue Cross and Blue Shield of Louisiana, Vantage Health Plan, and Humana during 2014 open enrollment, but struggled with its enrollment goals.

Louisiana’s state-based reform legislation

Here’s what’s happening with healthcare reform in Louisiana legislatively:

More Louisiana resources

Louisiana state health insurance exchange

Louisiana’s exchange

Find out what your state’s health insurance exchange will look like.

obamacare-state-rebates.jpg

$4.1 million to 75,493 families

Insurance companies were forced to return an average of $94 per Louisiana family in 2012.

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healthreformvotes.org

Find out how your member of the Louisiana Congressional delegation voted on health care.

LA state government resources

Department of Health & Hospitals

State agency dealing with health care issues in…

Louisiana Children’s Health Insurance Program (LaCHIP)

Provides no-cost health insurance to low-income children, including dental care. Includes doctor charges, hospitalization, immunization and other…

Louisiana Department of Insurance/Health Insurance

Offers descriptions of specific divisions and programs within the Department of Insurance that specifically deal with health insurance issues – each listing has several contacts listed. The department publishes this PDF consumer guide to…

Other LA health insurance links

Health Law Advocates of Louisiana (HLA/LA)

A nonprofit public interest law firm in Louisiana dedicated exclusively to health care access. Launched in February 2010, HLA/LA provides free legal representation and assistance to eligible Louisiana…

Louisiana health insurance companies

Aetna
BlueCross BlueShield of Louisiana
Celtic Ins. Co.
Coventry Health Care of Louisiana, Inc.
Humana
UnitedHealthcare Administered by Golden Rule

Health insurance for LA individuals

Resources for those individuals seeking health care insurance in Louisiana. If you are looking for Louisiana Medicare, visit our site for health insurance over 65.