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Louisiana House approves bill that would allow insurers to hike rates without prior approval

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Louisiana House approves bill that would allow insurers to hike rates without prior approval


BATON ROUGE, La. (WVUE) – A bill that would allow insurance companies to raise rates without the Louisiana insurance commissioner’s approval is halfway through the legislative process at the state capitol.

Rep. Mike Huval (R-Breaux Bridge) spoke in favor of his bill on the House floor.

“Prior approval has not resulted in reasonable insurance premiums,” Huval said. “Where there is not a healthy competition between insurance companies, the price goes up.”

But some of his House colleagues pushed back on the idea, including Rep. Mandie Landry (D-New Orleans).

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“If the people in my district suddenly received a huge rate increase overnight, and heard that the department couldn’t do anything about it, I think it would make people in the state even more irate,” Landry said.

Insurance commissioner Jim Donelon also denounced the proposed deregulation.

“If we can’t regulate rates, then frankly that’s a vital part — an essential part — of making sure that insurance is affordable and available and fairly implemented across all policyholders,” Donelon said. “They would substitute the prior approval by the insurance commissioner with what’s called ‘use and file.’”

Huval says the insurance commissioner would still be able to challenge new rates.

“HB 489 will still allow the commissioner of insurance to disapprove filings that are unfairly discriminatory or violate Louisiana law,” he said.

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Michael Barry, chief communications officer for the industry-funded Insurance Information Institute, said, “‘Use and file’ basically means that the new rate or the new rate structure takes effect immediately.

“You have two phrases in the insurance industry: “use and file” and “file and use.’ ‘Use and file’ states allow for insurers to get into a market very quickly, and to change their rates very quickly.”

According to the National Association of Insurance Commissioners, 17 states require prior approval for insurance rate changes. Others have flex rating/prior approval, and flex rating only.

Barry said in the insurance industry, flex “basically says if you’re the insurer and you’re either raising rates or decreasing rates 5 percent in a certain line of business, that could just take effect immediately, without any rate filing approval.”

According to a survey of average property insurance rates for all 50 states released earlier this month, insurance is more expensive in Louisiana ($3,095 per year) than in more populous New York ($2,573), Florida ($2,528) and California ($1,584). It is higher in neighboring Texas ($4,851) and Mississippi ($3,900).

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“That doesn’t surprise me at all,” Barry said. “The cost of insurance, the price of insurance is based on the actual and anticipated losses in each state. And Louisiana, you look back to the 2020-21 hurricane seasons’ extraordinary damage.”

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Louisiana

Bird flu virus likely mutated within a Louisiana patient, CDC says

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Bird flu virus likely mutated within a Louisiana patient, CDC says


A genetic analysis suggests the bird flu virus mutated inside a Louisiana patient who contracted the nation’s first severe case of the illness, the U.S. Centers for Disease Control and Prevention said this week.

Scientists believe the mutations may allow the virus to better bind to receptors in the upper airways of humans — something they say is concerning but not a cause for alarm.

Michael Osterholm, a University of Minnesota infectious disease researcher, likened this binding interaction to a lock and key. To enter a cell, the virus needs to have a key that turns the lock, and this finding means the virus may be changing to have a key that might work.

“Is this an indication that we may be closer to seeing a readily transmitted virus between people? No,” Osterholm said. “Right now, this is a key that sits in the lock, but it doesn’t open the door.”

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The virus has been causing sporadic, mostly mild illnesses in people in the U.S., and nearly all of those infected worked on dairy or poultry farms.

The Louisiana patient was hospitalized in critical condition with severe respiratory symptoms from bird flu after coming in contact with sick and dead birds in a backyard flock. The person, who has not been identified, is older than 65 and has underlying medical problems, officials said earlier this month.

The CDC stressed there has been no known transmission of the virus from the Louisiana patient to anyone else. The agency said its findings about the mutations were “concerning,” but the risk to the general public from the outbreak “has not changed and remains low.”

Still, Osterholm said, scientists should continue to follow what’s happening with mutations carefully.

“There will be additional influenza pandemics and they could be much worse than we saw with COVID,” he said. “We know that the pandemic clock is ticking. We just don’t know what time it is.”

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The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Science and Educational Media Group. The AP is solely responsible for all content.





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‘Jesus was an immigrant,’ Louisiana activists say amid international immigration led population increase

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‘Jesus was an immigrant,’ Louisiana activists say amid international immigration led population increase


NEW ORLEANS (WVUE) – New census numbers show international immigration was a major driving factor of population growth across the United States, contributing to Louisiana’s first population increase in years.

Nationally, immigration accounted for 84% of the nation’s population growth between last July and this July.

In Louisiana, the population grew by just under 10,000. The numbers reveal that about 23,000 more people moved into Louisiana from other countries than people from Louisiana to other countries.

Louisiana lost a net of 17,000 people to other American states.

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On the day after Christmas, immigration activists gathered at the steps of City Hall to send a message to Louisiana leaders.

Rachel Taber with Unión Migrante served as an interpreter for Alfredo Salacar of Mexico.

“For all of the anti-immigrant politicians that are supposedly Christian, we want to remind them that Jesus himself was an immigrant,” Salacar said.

Immigration activists said Jesus didn’t come from the White House, a palace or a mansion along St. Charles Avenue; he was born in a stable as his migrant parents who were forced to flee wandered a foreign country.

Taber said many undocumented families who’ve settled in New Orleans had to flee political tyranny, violence and poverty.

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“Louisiana is an incredible place everyone wants to visit because of our rich gumbo of people who made a life here: Cajuns, Sicilians, Germans, Irish, Spanish Islenos, Jewish people, resilient Africans and Indigenous people who kept their culture alive despite so much injustice. This recent wave from Central and Latin America is just the newest flavor to add to the family recipe,” Taber said.

Unión Migrante is fighting against racial profiling and the separation of families.

“That’s not a good use of our resources. We want to see families remaining together,” Taber said.

During Thursday (Dec. 26) night’s Christmas Posada and vigil, the local immigration activist group called on Louisiana leaders to take a more pro-immigration stance. At the Hispanic cultural celebration, they also demanded the federal oversight of the New Orleans Police Department continue.

“We’re not criminals. We are an asset,” said Yareli Andino. “If just one opportunity would be given, I think a lot of things could change.”

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This holiday season, they are asking people to open their hearts and homes.

“We contribute, we work, we’re here. We rebuild this community after every hurricane comes and destroys it. We work in your hotels. We work in your homes. I personally work in construction, and I’ve been in the homes of many of these same elected officials,” said Salacar. “We know that threats are coming our way… We have a human right to migrate and it’s disgusting to see politicians not only making money off of immigrants but turning us into a political pawn for their own ambition.”

Taber said, “Taylor Swift weekend, the Super Bowl, and Mardi Gras would not be possible” without immigrants.

Members of Unión Migrante said Jesus’ life is an example of empathy, compassion, peace and humility, displaying a deep love towards our neighbors and those most vulnerable.

In a statement, Sgt. Kate Stegall said, “The Louisiana State Police regularly partners with local, state, and federal law enforcement agencies to enforce laws throughout Louisiana. Additionally, LSP Troopers are assigned to federal task forces, where they focus on enforcing federal laws. In these collaborative efforts, Troopers uphold a high standard of professionalism and ensure respectful and effective interactions.”

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In a ride-along earlier this month, ICE told Fox 8 these alleged raids and indiscriminate sweeps couldn’t be further from the truth.

ICE representatives said the federal agency is prioritizing criminals and those who pose a threat to national security.

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How Baton Rouge compares with other Louisiana metros in job growth

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How Baton Rouge compares with other Louisiana metros in job growth


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(iStock)


While Baton Rouge was the only MSA in the state that saw a decrease in jobs from October to November, the MSA still saw significant gains year over year.

Baton Rouge lost 200 jobs from October to November, according to data released late last week by the Louisiana Workforce Commission. Other metros in the state added between 200 and 300 jobs for the same time period, except for Lafayette and New Orleans, which added 800 and 2,100 jobs, respectively. Baton Rouge added 1,900 jobs from November 2023, the second highest in the state, trailing only New Orleans, which added 8,900 jobs.

Statewide, sectors that showed the largest gains for seasonally adjusted jobs over the year included private education and health services (10,000), construction (7,800) and government (6,500).

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