Obamacare-enrollment is a site where you can find detailed information on the Affordable Care Act
- Health Insurance Marketplace for individuals and small businesses
- Where you can find local help
- Information about expanded Medicare benefits
- Affordable Care Act information about all 50 states and District of Columbia
Health Insurance Marketplace in Louisiana
If you live in Louisiana, you’ll use this website, HealthCare.gov, to apply for coverage, compare plans, and enroll. Spanish language speakers can contact cuidadodesalud.gov. Specific plans and prices will be available on October 1, 2013, when Marketplace open enrollment begins. Coverage can start as soon as January 1, 2014.
The Insurance Exchange/Marketplace
What has been done, not been done, or left up to the federal government to do.
Establishing the Exchange in Louisiana
Governor Bobby Jindal (R) announced that Louisiana will not pursue the establishment of a state-based health insurance exchange and instead will allow the federal government to operate an exchange in the state.1 While a bill establishing an exchange was introduced in the 2012 legislative session, it was not supported by the Governor and failed when the legislative session ended (SB 744).2,3 Prior to the announcement that the state would not operate its own exchange, Governor Jindal signed into law a bill prohibiting plans operating in a state-based exchange from offering abortions, with no exceptions (HB 1247).4
Essential Health Benefits (EHB): The ACA requires that all non-grandfathered individual and small-group plans sold in a state, including those offered through the Exchange, cover certain defined health benefits. Since Louisiana has not put forward a recommendation, the state’s benchmark EHB plan will default to the largest small-group plan in the state, Blue Cross Blue Shield of Louisiana- GroupCare PPO.
In September 2010, the Louisiana State Department of Health and Hospitals was awarded an almost $1 million federal Exchange Planning grant; the Department announced in March this money would be returned to the federal government.
Consumer Operated and Oriented Plan Program
Consumer Operated and Oriented Plan (CO-OP) Program are qualified nonprofit health insurance issuers that offer competitive health plans in the individual and small group markets. CO-OP in Louisiana:
Expansion of Medicaid
From 2014 to 2017, the federal government will pay for 100% of the difference between a state’s current Medicaid eligibility level and the ACA minimum. Federal contributions to the expansion will drop to 95% in 2017 and remain at 90% after 2020, according to the ACA.
As the ACA was originally written, states would lose all Medicaid funding if they refused to expand their program to the ACA minimum.
However, the Supreme Court in June 2012 ruled that the federal government could not withhold Medicaid funding for states that chose not to expand their programs. The decision effectively allowed state officials to opt out of the expansion, and some have said they will do just that.
Louisiana is not participating in Medicaid expansion.
The federal government will assume full responsibility for running a health insurance exchange in Louisiana beginning in 2014.
1. Barrow, Bill. “Jindal Takes Stage in GOP Initiative Against Health Law.” The Times-Picayune, July 2, 2012. http://www.nola.com/politics/index.ssf/2012/07/jindal_takes_stage_in_gop_init.html.
2. Senate Bill 744. Regular Session 2012. Creates the Louisiana Health Insurance Exchange.http://www.legis.state.la.us/billdata/streamdocument.asp?did=794947
3. Barrow, Bill. “Louisiana Senate Panel Sinks Plan to Set Up Health Insurance Exchange.” The Times-Picayune, May 16, 2012.http://www.nola.com/politics/index.ssf/2012/05/louisiana_senate_panel_sinks_p.html
4.House Bill 1247. Regular Session, 2010. http://www.legis.state.la.us/billdata/streamdocument.asp?did=722961
5. Moller, J. ‘Louisiana to opt out of health insurance exchanges in federal law.’ The Times-Picayune. March 23, 2011.http://www.nola.com/politics/index.ssf/2011/03/louisiana_to_opt_out_of_health.html
Also of interest
Provided by the Henry J. Kaiser Family Foundation
Who can help you (the Navigators)
Southern United Neighborhoods (SUN) is a public charity founded in March 2010 by low to moderate income people that uses research and training to combat the poverty, discrimination and community deterioration that keeps low income people from taking advantage of their rights and opportunities. Southern United Neighborhoods’ Tri-State Outreach Project will implement and fulfill Navigation duties in the Tri-State Region of Arkansas, Louisiana, and Texas in Public-Use Microdata Areas (PUMAs) with high considerations of low income uninsured adult populations.
The Martin Luther King Health Center (MLKHC) is a private non-profit primary health care center and pharmacy, incorporated in 1986, and domiciled in the parish of Caddo, Shreveport, Louisiana. Navigator program components include a mass media campaign, public informational education presentations, participating in health fairs & trade fairs, one-on-one interactions with consumers, and the dissemination of print materials through various outreach venues. All services, media, and print material will be offered in English and Spanish.
The Southwest Louisiana Area Health Education Center (SWLAHEC) was founded in 1991 and aims to improve health status in the region through access to information, education and health services. Their current services include programs on career and professional education, health interventions, preventive health, and public health support. They will help to educate Louisianans about their health coverage options and facilitate enrollment.
Capital Area Agency on Aging, District II will help individuals and small employers shop for, select and enroll in qualified health plans in Louisiana’s new competitive health insurance marketplace. The Agency plans to serve a variety of populations, including older and disabled
employees, small employers, and refugees being served by the Refugee Resettlement Program (statewide).
If you need more detailed analysis, identification of issues, solutions, and implementation of your health insurance plan please let us know at obamacare-enrollment.com and we’ll get right back to you.