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Read. Follow. Verify.Louisiana House Bill 612 prohibits insurers from including any advertising expenses in rate-setting
Last action · March 9, 2026: Read by title, under the rules, referred to the Committee on Insurance.Sponsor: Kyle Green
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What This Bill Proposed
Louisiana House Bill 612 prohibits insurance companies from factoring any advertising expenses into their rate-setting processes, expanding a previous restriction that applied only to institutional advertising. The measure amends existing insurance statutes and repeals a specific definition regarding institutional advertising.
Insurance rate calculations directly influence the premiums paid by policyholders across the state, determining whether advertising costs can be passed on to consumers through higher rates.
- Insurance rate regulation in Louisiana is governed by Title 22 of the Louisiana Revised Statutes, which sets standards to ensure rates are not excessive, inadequate, or unfairly discriminatory. context
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
Insurance policyholders
Policyholders are affected because insurers are barred from factoring advertising costs into the calculations used to determine insurance rates.
Insurance companies
Insurers must alter their rate-filing practices to ensure no advertising expenses are included when setting rates.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What does House Bill 612 change about insurance rate-setting?
How are insurance 'expenses' redefined under this measure?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
4 actions- Mar 9, 2026HouseIntroducedRead by title, under the rules, referred to the Committee on Insurance.
- Feb 27, 2026HouseFirst appeared in the Interim Calendar on 2/27/2026.
- Feb 26, 2026HousePrefiled.
- Feb 26, 2026HouseCommitteeUnder the rules, provisionally referred to the Committee on Insurance.
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Expansion of Advertising Expense Exclusion
The legislation broadens a targeted restriction on institutional advertising into a comprehensive ban on incorporating any advertising expenses into insurance rate-setting.
Connected Entities
Sources
www.legis.la.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 60)
- Controversy40Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
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