---
type: "Bill"
title: "INSURANCE/RATES: Provides relative to advertising expenses and prohibits use of certain expenses in setting insurance rates"
description: "INSURANCE/RATES: Provides relative to advertising expenses and prohibits use of certain expenses in setting insurance rates"
jurisdiction: "us/states/la"
legislature: "Louisiana Legislature"
session: "2025"
identifier: "HB 438"
citation: "Louisiana HB 438 (2025)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Gabe Firment"]
version_count: 4
action_count: 19
vote_count: 2
first_action: "2025-04-04"
last_action: "2025-06-04"
source: "openstates"
source_identifier: "ocd-bill/3093a13d-257f-47d1-afae-376951f1fcde"
source_url: "https://www.legis.la.gov/Legis/BillInfo.aspx?i=248445"
source_hash: "97d65e68cf3ad1e6db7725a6c8da1a2af60751a0048a8506d90e5fca7a2c83c4"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-la"]
---

# Louisiana HB 438 (2025) — INSURANCE/RATES: Provides relative to advertising expenses and prohibits use of certain expenses in setting insurance rates

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **HB438 Original** (filed) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1403631)
2. **HB438 Act 85** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1422299)
3. **HB438 Engrossed** (committee substitute) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1407578)
4. **HB438 Enrolled** (enrolled) — [source](https://www.legis.la.gov/Legis/ViewDocument.aspx?d=1419238)

## Votes

- FINAL PASSAGE (#143) — **100–0** (pass) · lower
- FINAL PASSAGE (#446) — **36–0** (pass) · upper

## Sponsors

- Gabe Firment — primary (person)
- Chad Boyer — cosponsor (person)
- Chance Henry — cosponsor (person)
- Charles Owen — cosponsor (person)
- Daryl Adams — cosponsor (person)
- Dodie Horton — cosponsor (person)
- Emily Chenevert — cosponsor (person)
- Foy Gadberry — cosponsor (person)
- Jason Dewitt — cosponsor (person)
- Jeremy LaCombe — cosponsor (person)
- Joe Stagni — cosponsor (person)
- John Wyble — cosponsor (person)
- Josh Carlson — cosponsor (person)
- Julie Emerson — cosponsor (person)
- Kathy Edmonston — cosponsor (person)
- Kellee Dickerson — cosponsor (person)
- Larry Bagley — cosponsor (person)
- Lauren Ventrella — cosponsor (person)
- Mike Johnson — cosponsor (person)
- Peter Egan — cosponsor (person)
- Phillip DeVillier — cosponsor (person)
- R. Dewith Carrier — cosponsor (person)
- Rhonda Butler — cosponsor (person)
- Robert Carter — cosponsor (person)
- Rodney Schamerhorn — cosponsor (person)
- Stephanie Hilferty — cosponsor (person)
- Tony Bacala — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-06-04** Effective date: 01/01/2026.
- **2025-06-04** Signed by the Governor. Becomes Act No. 85. `became-law, executive-signature`
- **2025-05-30** Sent to the Governor for executive approval. `executive-receipt`
- **2025-06-01** Signed by the President of the Senate on 5/29/2025.
- **2025-05-29** Enrolled and signed by the Speaker of the House. `enrolled`
- **2025-05-29** Received from the Senate without amendments. `receipt`
- **2025-05-28** Read by title, passed by a vote of 36 yeas and 0 nays, and ordered returned to the House. Motion to reconsider tabled. `passage`
- **2025-05-20** Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage. `reading-3`
- **2025-05-19** Read by title and referred to the Legislative Bureau.
- **2025-05-14** Reported favorably. `committee-passage-favorable`
- **2025-05-05** Read second time by title and referred to the Committee on Insurance. `reading-2, referral-committee`
- **2025-04-30** Received in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading. `reading-1`
- **2025-04-30** Read third time by title, roll called on final passage, yeas 100, nays 0. Finally passed, title adopted, ordered to the Senate. `passage`
- **2025-04-28** Scheduled for floor debate on 04/30/2025.
- **2025-04-24** Read by title, ordered engrossed, passed to 3rd reading. `reading-3`
- **2025-04-23** Reported favorably (14-0). `committee-passage-favorable`
- **2025-04-14** Read by title, under the rules, referred to the Committee on Insurance. `referral-committee`
- **2025-04-04** Under the rules, provisionally referred to the Committee on Insurance. `referral-committee`
- **2025-04-04** Prefiled. `filing`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/3093a13d-257f-47d1-afae-376951f1fcde`. Confidence: reported (aggregated from official Louisiana legislature records).