INSURANCE: Authorizes certain out-of-state insurance companies to apply respective state laws to claims of Louisiana residents

HB 287 would limit recovery of medical expenses for auto accident victims who fail to use available health insurance. The bill defines "health insurance coverage" broadly to include various plans, and sets a cap on recoverable medical costs at 120% of the Medicare rate (or 170% of the Medicaid rate if no Medicare rate exists) when claimants don't utilize their insurance. This applies to claims filed on or after January 1, 2026, but excludes cases covered by Louisiana's Workers' Compensation Law. The bill directly affects auto accident victims who have health insurance but choose not to use it for medical treatment. It represents a policy change to limit medical expense recovery in specific auto accident cases.