La. insurer outlines effects of health law La. insurer outlines effects of health law The Associated Press July 13, 2013 Comments Louisiana’s largest private health insurer, Blue Cross and Blue Shield of Louisiana, estimates two-thirds of its customers who buy their own policies will pay the same premiums or less under the federal health care overhaul. But that’s only if people take advantage of federal subsidies being offered under the law. Blue Cross officials on Wednesday said a bout 175,000 customers pay for their own insurance, rather than getting it through their work, and could see substantial changes in 2014. Blue Cross officials say insurers will pay new fees that will pass onto customers. Many customers also will receive new benefits that are mandated for health care policies and will drive up costs. The law provides federal subsidies to help offset costs.