11/13 - Exploring Louisiana’s Insurance Exchange
How is the process working out in Louisiana for the new Affordable Care Act?
The enrollment period for the new health insurance exchanges created by the Affordable Care Act started in October. How is the process working out in Louisiana? Who is eligible for coverage? Which providers are offering insurance plans and how much do they cost? And who will still be left uninsured? Louisiana Public Square brings together a panel of experts to for "Exploring Louisiana's Insurance Exchange" Wednesday, November 27 at 7 p.m. on LPB HD.
The panelists will be:
• Stephen Barnes, Ph.D., Healthcare economist, LSU E. J. Ourso College of Business
• Brian Burton, Louisiana State Director, Navigators for a Healthy Louisiana
• Brian Keller, Chief Marketing Officer, Blue Cross and Blue Shield of Louisiana
• Paul E. Perkowski, M.D., Capital Area Medical Society and Louisiana State Medical Society
Beth Courtney, LPB CEO, and Robert Travis Scott, president of the Public Affairs Research Council of Louisiana will moderate the discussion.
The show will also include interviews with Jacob Schei, a navigator with the Southwest Louisiana Area Health Education Center; Michael, a young adult seeking coverage on the exchange; Renee Amar with the Louisiana Association of Business and Industry; Doug Wilkinson with the Louisiana Healthcare Education Coalition and Don Gregory with the Public Affairs Research Council of Louisiana.
Under the Affordable Care Act, the government, insurers, employers, and individuals share in the responsibility to improve the availability, quality, and affordability of health insurance coverage. The individual responsibility provision, also known as the individual mandate, is integral to keeping insurance rates affordable. The mandate requires virtually all Americans to obtain minimum health insurance coverage or pay a penalty. This ensures that individuals do not just wait to purchase insurance when they are sick and drop coverage when they are well; something which drives up premium costs.
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- Federally Facilitated Insurance Exchange for Louisiana
Subsidy Eligibility Calculator
- Discover if you are eligible for a subsidy
- Estimate what your subsidy will be
- Get assistance statewide on using the exchange
Louisiana Healthcare Education Coalition
- Resources for insurance consumers
- Insurance exchange for small business
We want to know your opinion! Leave your comments in the box below.
Concerned that an Agent/Broker was not included in this panel. For some reason everyone forgets the industry that has been assisting citizens for years. Agents are the boots on the ground and being ignored ! Navigators paid BR grants. Agents commissions built into premium. Not hard to figure who wins if Agents lose!!
Posted by Ronnell Nolan on 11/25 at 10:43 PM
My comment is about the “UN-affordable Care Act”. No mention has been made about the many (including myself) who will be financially ruined by the ACA. I earn more than will allow me a subsidy; BUT, less than it takes to pay my monthly bills. So, if it is taking every penny I earn each month to pay my bills; with nothing left over; then how am I to pay for the insurance I am “mandated” to buy????? In effect, if any expense is added to my monthly expenses at all; then I will be driven under; this I know. AND, as it is, my car insurances, house insurance, taxes, city fees, etc. go up every year; sometimes more than once a year. I haven’t had a raise in 4 years, no longer get a bonus at all and am taking money out of what is left of my measly savings account each month. I haven’t had a vacation in 20 years, buy almost no luxuries, am not able to go shopping except for necessities. What do you think is going to happen to me when the savings run out. I WILL BE THROWN OUT OF MY HOME AT 6O YEARS OLD ONTO THE STREETS. DOES ANYONE CARE AT ALL? NO, JUST KEEP MILKING THE OLD BOY UNTILL HE IS COMPELLED TO COMMIT SUICIDE. AND THAT….. IS EXACTLY MY ONLY OPTION. I HOPE OBAMA IS PROUD OF HIMSELF. TAKE WHAT IS LEFT OF MY HARD EARNED MONEY AND GIVE IT TO THE GREEDY INSURANCE COMPANIES, AND IRONICLY, CAUSE MY DEATH WITH HIS HEALTH CARE ACT!!!!!!!!
Posted by Daryl on 12/02 at 02:05 PM
While we didn’t have a current insurance agent on the panel, Mr. Keller with Blue Cross and Blue Shield of Louisiana has been selling their product since 1996. He also noted the important role of the insurance agent in the decision-making process for visitors to the exchange in his answer to the very first question to the panel. He mentions that 800 agents in the state have been federally certified to explain the new policies being offered through the marketplaces and encourages individuals to contact them. (This appears at around 23:24 into the “Full Program” on the video playlist.)
Posted by Louisiana Public Square on 12/02 at 02:22 PM
Another part of the equation that is VERY important for people to know is that subsidies are provided on a monthly basis, off-setting your insurance monthly premium, instead of being a tax credit (as I originally thought)! This makes a huge difference because it would be cost prohibitive to pay premiums for the whole year and have to wait for a return on taxes. And, you personally PROJECT what your income will be for the upcoming year (subject to comparison to other years). As an example of a premium, someone earning $11,490/year will pay ~ $20/month for health care!! Now, that’s AFFORDABLE CARE!
Posted by Stacie Hebert on 12/03 at 04:04 PM
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