HOUSE committee amendments [LINK] require insurers to provide a copy of the rate transparency report to help consumers understand rates. The report must now clearly state the "projected cost" of insurance coverage rather than just "the cost." Certain duplicative or unnecessary language has been removed, and the commissioner must adopt rules in accordance with the Administrative Procedure Act. The amendments explicitly state that this section does not create a private right of action for consumers and push back the effective date from January 1, 2026, to July 1, 2026.

SENATE floor amendments technical

Requires insurers providing residential property or private passenger automobile coverage to submit a clear, consumer-friendly rate transparency report with every rate filing. Insurers must provide personalized versions of these reports to consumers upon initial coverage offers and renewals to clarify premium costs and underlying factors.

Key Provisions: 

- Mandates insurers to include a transparency report detailing percentage breakdowns of factors impacting premiums, such as reinsurance, claims costs, fees, insurer profit margins, and contingencies.

- Requires reports to disclose any major adverse regulatory findings against insurers from the past three years and identify relationships with affiliated entities or managing general agents.

- Specifies homeowners' policy renewals must note any changes in total insured value.

- Empowers the insurance commissioner to reject filings if transparency reports are misleading or not consumer-friendly.

- Authorizes the commissioner to adopt necessary rules to enforce these requirements.

- Effective January 1, 2026.

SENATE committee amendment technical

Requires property and casualty insurers to notify the Louisiana Department of Insurance at least 30 days in advance when they stop, pause, or resume issuing policies within specific parishes, zip codes, or regions. These notices are confidential and exempt from public disclosure.

Key Provisions: 

- Insurers must provide advance written notice (30 days) to the Department when ceasing or resuming coverage in particular areas.

- Non-compliance subjects insurers to fines of up to $1,000 per day of violation.

- Notices submitted are classified as proprietary, confidential business records, not subject to public records requests or subpoena.

- Grants the insurance commissioner authority to adopt rules necessary to enforce compliance.

- Effective January 1, 2026.

SENATE committee amendments [LINK] some technical and also set scholarship funding at 90% of the state average MFP amount for students in ninth through twelfth grade.

Eliminates references to local funding, clarifying that scholarship amounts will be based solely on state averages.

This bill expands Louisiana’s school tuition donation tax credit program by:

• Raising K-8 scholarship caps to 100% of state/local per-pupil funding.
• Allowing students to receive multiple scholarships, up to the tuition limit.
• Changing payment dates and allowing electronic endorsement of checks.
• Requiring annual standardized testing for participating private schools.
• Requiring refunds if scholarships exceed actual tuition.
• Effective upon governor’s signature or standard enactment period.

SENATE floor amendments [LINK] shift certain responsibilities from the Department of Insurance to the Department of Revenue and the Insurance Institute for Business and Home Safety (IBHS). They require taxpayers to provide certification from IBHS showing compliance with fortified roof standards.

SENATE committee amendments [LINK] add a $10M annual cap, limit one credit per property, shorten carryforward to three years, bar double-dipping on state tax benefits, and make technical corrections.

Establishes a nonrefundable income tax credit for Louisiana residents who retrofit their residential properties with fortified roofs that meet or exceed standards set by the Insurance Institute for Business and Home Safety. The credit covers qualified expenses up to $10,000 per taxpayer and applies to expenditures incurred after July 1, 2025. If the credit exceeds a taxpayer’s liability, it can be carried forward for up to five years.

To claim the credit, taxpayers must apply through the Louisiana Department of Insurance, which will certify eligible expenses. The Department of Revenue has the authority to recover or recapture credits if expenses are later deemed ineligible. The bill prohibits taxpayers from receiving both the tax credit and a grant from the Louisiana Fortify Homes Program. The program is set to expire on December 31, 2031, unless extended. The bill takes effect upon the governor’s signature or automatic enactment if unsigned.

Allows the Louisiana Department of Health to suspend Medicaid prior authorization requirements for cancer care during a declared emergency.

Key Provisions: 

- Authorizes suspension of prior authorizations for oncology services during a governor-declared state of emergency. 

- Requires Medicaid to reimburse providers—both in-state and out-of-state—without prior authorization for cancer-related treatments, drugs, and diagnostics. 

- Applies only to Medicaid recipients undergoing cancer treatment who reside in the declared emergency area. 

- Requires managed care organizations to notify affected patients of these emergency protections. 

- Effective August 1, 2025.

Proposes an exception to existing post-service employment restrictions for certain commissioners of the Ernest N. Morial-New Orleans Exhibition Hall Authority. Under current law, former board or commission members are prohibited from contracting with, being employed by, or being appointed to any position by their former board or commission for two years after their public service ends. This bill allows a commissioner who, as of January 1, 2025, holds a Master of Business Administration degree and has at least 30 years of experience in hospitality or hotel management to be employed by the authority immediately after their service, provided the board of commissioners determines that circumstances necessitate such employment. This provision is set to expire on December 31, 2025. The act will become effective upon the governor's signature or upon the lapse of time for gubernatorial action.