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Purchasing health insurance in Louisiana is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of health insurance that you choose to purchase. Regulations regarding health insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of Louisiana health insurance.

Hurricane Katrina roared through the Gulf Coast devastating the State of Louisiana. With healthcare costs a rising problem in every state, they now are becoming an even greater burden for people in Louisiana.

Louisiana offers a high-risk insurance pool for uninsurable residents. The Louisiana Health Plan provides coverage through private insurance companies. Premiums depend on your location, gender, your smoking status, and your plan choice.

If you work for an employer that still offers group coverage, keep it at all costs. Because of the unbelievable devastation from the hurricane, many businesses are on the verge of bankruptcy or have gone out of business. Every business is affected by the hurricane. Though they may not have received a direct hit, the economy has been impacted which burdens businesses.

If you enroll in your group plan late, you may have to wait longer for any preexisting conditions to be covered. It may take as long as 18 months before your condition will be covered.

Individual policies may exclude coverage for pregnancy as a preexisting condition, but not for genetic reasons. If you are pregnant and just left your job, COBRA may be your only coverage choice.

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