Opinion Number

Dear Representative Sittig:

You have asked for an opinion for the Board of the Louisiana Health Insurance Association (LHIA) on the following issues:

Issue No. 1:

Since the Board has only provided coverage to persons without major medical insurance coverage of any type, may the Board take persons with "exclusions" or "riders" on their policies, should the actuarial consultants authorize same?

Issue No. 2:

Should the Board additionally offer open enrollment to persons who are paying "excessive premiums" under the statute, may the Board consider these persons who are paying excessive premiums or…