All Roll Calls
Yes: 280 • No: 0
LouisianaSB 162025 Regular SessionSenateWALLET
HEALTH/ACC INSURANCE: Provides relative to health stop-loss insurance. (8/1/25) (EN NO IMPACT See Note)
Sponsored By: Patrick McMath (Republican)
Signed by Governor
Insurance
Personalized for You
How does this bill affect your finances?
Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
New stop-loss protections for small employers
Beginning January 1, 2026, new standards govern small-employer health stop-loss insurance, applying to policies issued after that date. Policies already in effect before that date are exempt. Renewal increases generally cannot exceed the prior plan year's medical-care index change plus 50%; increases over 50% need actuarial justification. Contracts must last at least 12 months with guaranteed rates. Rates can change during the contract only if plan benefits change or covered worker numbers change by more than 15%. Policies must include an individual claim threshold, an overall claims threshold, or both, before stop-loss coverage pays. Coverage limits and exclusions, including annual limits, must match the employer's health plan unless other employer insurance covers the difference. Policies must pay eligible claims incurred during the contract and paid within 24 months after it expires. Eligible claims remain covered if the employer ends the health plan early, subject to the contract's minimum claim thresholds. For employers with fewer than five workers, policies cannot allow member-specific deductible or claim-threshold adjustments, including adjustments for specific diseases or conditions. Employers must sign a separate disclosure before buying coverage, explaining coverage limits, employer risks, and how claims affect renewals. Louisiana's insurance commissioner must develop the standard disclosure form by January 1, 2026.
Sponsors & Cosponsors
Sponsor
Patrick McMath
Republican • Senate
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
House vote • 6/12/2025
Conference Committee Report read, roll called, yeas 100, nays 0. The Conference Committee Report was adopted.
Yes: 100 • No: 0
Senate vote • 6/12/2025
Conference Committee Report read; adopted by a vote of 35 yeas and 0 nays.
Yes: 35 • No: 0
House vote • 6/8/2025
Read third time by title, amended, roll called on final passage, yeas 99, nays 0. Finally passed, ordered to the Senate.
Yes: 99 • No: 0
House vote • 5/28/2025
Reported with amendments
Yes: 10 • No: 0
Senate vote • 5/14/2025
Senate floor amendments read and adopted. Read by title and passed by a vote of 36 yeas and 0 nays; ordered reengrossed and sent to the House. Motion to reconsider tabled.
Yes: 36 • No: 0
Actions Timeline
Signed by the Governor. Becomes Act No. 400.
6/20/2025SenateEffective date 8/1/2025.
6/20/2025SenateConference Committee report received. Lies over under the rules.
6/12/2025HouseConference Committee Report read; adopted by a vote of 35 yeas and 0 nays.
6/12/2025SenateRules suspended.
6/12/2025HouseConference Committee Report read, roll called, yeas 100, nays 0. The Conference Committee Report was adopted.
6/12/2025HouseNotice of Senate adoption of Conference Committee Report.
6/12/2025HouseNotice House adopted the Conference Committee Report.
6/12/2025SenateSigned by the Speaker of the House.
6/12/2025HouseEnrolled. Signed by the President of the Senate on 6/13/2025.
6/12/2025SenateSent to the Governor by the Secretary of the Senate on 6/13/2025.
6/12/2025SenateHouse conferees appointed: Beaullieu, Firment, and Echols.
6/11/2025HouseSenate conference committee members appointed: McMath, Allain, and Talbot.
6/11/2025SenateNotice House Conference Committee members appointed.
6/11/2025SenateNotice of Senate conferees appointed.
6/11/2025HouseCalled from the calendar.
6/8/2025HouseRead by title, returned to the calendar.
6/8/2025HouseCalled from the calendar.
6/8/2025HouseRead third time by title, amended, roll called on final passage, yeas 99, nays 0. Finally passed, ordered to the Senate.
6/8/2025HouseReceived from the House with amendments.
6/8/2025SenateRead by title, returned to the calendar.
6/3/2025HouseNotice given.
6/3/2025HouseScheduled for floor debate on 06/08/2025.
6/3/2025HouseRead by title, amended, passed to 3rd reading.
6/2/2025HouseScheduled for floor debate on 06/03/2025.
6/2/2025House
Bill Text
Enacted
Engrossed
Enrolled
Introduced
Reengrossed
Related Bills
HB 356, INSURANCE/PROPERTY: Creates the Stated Value Homeowner's Policy Act
HB 460, APPROPRIATIONS/SUPPLEML: Makes supplemental appropriations for Fiscal Year 2024-2025
SB 130, MEDICAID: Provides relative to Medicaid. (gov sig) (EN DECREASE GF EX See Note)
SB 123, TAX/TAXATION: Authorizes an income tax credit for donations to certain public schools. (1/1/26) (EN -$1,000,000 GF RV See Note)
SB 153, BEHAVIORAL HEALTH: Provides relative to behavioral health rehabilitation services in the Louisiana medical assistance program. (gov sig)
HB 664, LEGISLATIVE EXPENSES: Makes appropriations for the expenses of the legislature for Fiscal Year 2025-2026