House Resolution No. ___, introduced by Representative Carlson, urges the Louisiana Department of Insurance to establish a task force to investigate the effects of bodily injury claimants submitting medical treatment claims for accident-related injuries to out-of-network health insurance providers. This resolution highlights that Louisiana has the highest automobile insurance rates in the nation and notes that many claimants opt not to file claims with their health insurance or choose out-of-network providers, leading to increased treatment costs and out-of-pocket expenses. The task force will study the implications of these practices on automobile insurance rates and will include various stakeholders, such as the commissioner of insurance and representatives from legal, medical, and business organizations.

The task force is tasked with examining the impact of using out-of-network healthcare providers and the refusal of some providers to accept insurance in favor of cash payments. It will be chaired by the commissioner of insurance and is required to submit a written report of its findings and recommendations for legislation to the relevant House and Senate committees by February 16, 2026. The resolution also stipulates that the task force will operate under the Open Meetings Law and maintain confidentiality regarding personally identifiable information and claims data. The task force will dissolve upon submission of its report.