State profile · LA · CMS + NAIC
Insurance in Louisiana
How health insurers handle claims in Louisiana, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 17.0%
- Avg claims denied
- #18
- denial rank of 31
- $1749
- Avg auto / yr
- +12%
- Auto, 5-yr
- 4
- Insurers w/ data
The verdict
Marketplace insurers in Louisiana deny 17.0% of claims — below the 21% national average, the 18th-highest of 31 states, and drivers pay an average $1749 a year for auto cover, more than the $1191 national average.
- 17.0%
- avg claims denied
- #18
- of 31 states
- $1749
- avg auto / yr
- 53%
- highest (UnitedHealthcare I)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Louisiana
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare
UnitedHealthcare Insurance Company: 53.0% denied (151,944 of 286,437)
53 % of claims denied
- CHRISTUS Health Plan Lou
CHRISTUS Health Plan Louisiana: 29.3% denied (35,863 of 122,265)
29.3 % of claims denied
- HMO Louisiana 15.2
HMO Louisiana, Inc.: 15.2% denied (766,647 of 5,056,437)
15.2 % of claims denied
- Louisiana Health Service 13
Louisiana Health Service & Indemnity Company: 13.0% denied (83,521 of 643,013)
13 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Louisiana. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Louisiana, by denial rate
4 insurers reporting marketplace claims in Louisiana
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare Insurance Company F | 286,437 | |
| 2 | CHRISTUS Health Plan Louisiana F | 122,265 | |
| 3 | HMO Louisiana, Inc. B | 5,056,437 | |
| 4 | Louisiana Health Service & Indemnity Company A | 643,013 |
Auto insurance in Louisiana
Auto premiums in Louisiana are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $1560 average expenditure
$1,560 avg expenditure
- 2020
2020: $1495 average expenditure
$1,495 avg expenditure
- 2021
2021: $1500 average expenditure
$1,500 avg expenditure
- 2022
2022: $1558 average expenditure
$1,558 avg expenditure
- 2023
2023: $1749 average expenditure
$1,749 avg expenditure
What this shows Louisiana drivers' average auto cost rose 12% between 2019 and 2023.
What the data shows for Louisiana
Louisiana's marketplace insurers denied 17.0% of submitted claims in the CMS data, the 18th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Louisiana pay an average $1749 a year — more than the $1191 national average — split across $1052 liability, $581 collision and $346 comprehensive premiums. That figure has moved up 12% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Louisiana can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Louisiana residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Louisiana's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.