The Louisiana Department of Insurance reviews proposed health insurance rate filings for two purposes. All rate filings are subject to review to determine if the filings are in compliance with the laws governing rates for health insurance. In addition, if a proposed rate filing includes a rate increase of 10 percent or more, the filing is reviewed to determine whether the increase is reasonable and actuarially justified. Actuarial justification means that a health insurance issuer has demonstrated that claims experience supports the increase and the premiums collected are reasonable compared to the benefits provided by the plan. The Louisiana Department of Insurance does not have approval authority over health insurance rates.
Property and Casualty Rates
The Office of Property and Casualty accepts, reviews, and approves applications for insurance rates or rate changes for all lines of property and casualty insurance. Each filing submitted shall be on file for a waiting period of forty-five (45) days before it becomes effective. A filing shall be deemed to meet requirements unless disapproved in writing by the Department within the forty-five day waiting period.
General information on filings submitted to the OPC can be found using the following links:
To view a report of all filings pending to date, please click here
To view the Weekly Filing Submissions Report, please click here
To view the filings that were acted on in the previous week, please click here
If you should have questions, you may contact the Office of Property and Casualty Insurance Rating and Policy Forms Division at:
(800) 259-5300 Toll free
(225) 342-5203 Louisiana