Below are our Top Ten Significant Achievements of 2022, made possible by your support and dedication to justice for all. Thank you for being part of our team! We hope we can continue to count on you in the fight for fairness.

Remember, you have until midnight on December 31st to make your 2022 year-end gift. You can donate now at



Laura Tuggle

Executive Director

As of early December, 29,007 people received free civil legal aid from SLLS, resulting in almost $32 million of direct economic benefits thanks to the tireless efforts of our staff and the generous backing from our devoted team of donors, funders, and volunteers.

SLLS was awarded an almost $6.5 million Disaster Legal Services grant from the Legal Services Corporation to enable us to provide disaster legal services to families still trying to rebuild their lives and to improve our resiliency over the next three years.

SLLS, in partnership with the Louisiana State Bar Association Access to Justice Department, convened Louisiana’s inaugural Disaster Law Collaboration Summit. Over 200 public interest lawyers, emergency responders, disaster case managers, faith-based partners, librarians, and other community stakeholders attended the event.

SLLS was awarded $2 million from the City of New Orleans to sustain our innovative and award-winning Right to Counsel Program. This project has provided critical legal help to over 1,600 households composed of over 3,400 people. The White House highlighted it in its first-ever Eviction Reform Summit with remarks from visionary leader First City Court Chief Judge Veronica Henry.

We launched new projects in collaboration with community partners, including our Baton Rouge City Court Eviction Desk, new Heir Property Projects teamed up with Southern University Law Center and Louisiana Appleseed, and increased our capacity to serve vulnerable veterans in greater New Orleans and the Northshore.

SLLS team members received numerous awards in 2022 for their dedication to our mission, including the National Housing Law Project’s Housing Justice Award, the Capital Area United Way ALICE Award, the New Orleans Bar Association’s Mark A. Moreau Award, and a Louisiana State Bar Association Children’s Law Award.

SLLS returned to hosting our in-person fundraiser, the “Bar Exam,” and had our most successful event to date with strong support from the legal community.

SLLS and the Louisiana Budget Project both independently raised the difficulties clients faced with the state food stamp agency when SNAP renewals came due. The agency had stopped including paper renewal forms with its notices, instead seeking to have recipients submit renewal updates online. Clients without internet access had to call to either report information or request paper forms with an hour or longer wait time. This often caused people not to renew timely and to lose assistance. The agency responded to SLLS by agreeing to resume sending paper renewal forms out to recipients at the end of their eligibility periods. This returns the mail-in option to about 400,000 households and will help protect the most vulnerable from losing food stamp assistance.

Last year, SLLS intervened in the foreclosure of six properties with over 500 units of New Orleans’ most infamous slumlord, Joshua Bruno. We represented individual tenants and a group client, the New Orleans Renters Rights Assembly, in trying to improve the living conditions for tenants at the properties. To try to get out of the obligations we were raising, Bruno filed a Chapter 11 business bankruptcy in 2022. Business bankruptcies are beyond our experience. With the aid of pro bono counsel, SLLS followed him into bankruptcy court. SLLS clients and other creditors moved for the appointment of a Trustee to take over managing the properties during the bankruptcy. After a four-day trial, the Judge ruled that a Trustee be appointed to take over the properties. In re Westbank Holdings, LLC, No. 22-10082, 2022 Bankr. LEXIS 2109 (Bankr. E.D. La. Aug. 1, 2022). With our advocacy, the City also arranged relocation assistance and deposits for tenants of one of the developments. SLLS now seeks to go beyond the management change towards permanent redevelopment as safe, affordable housing. SLLS is also working to see that tenants who are unsecured creditors in the bankruptcy will get some compensation for their claims.

In response to a Councilmember request, SLLS provided information and comments to councilmembers on the New Orleans Healthy Homes ordinance during the drafting and amendment process. The ordinance passed on November 3, 2022, and will go into effect on July 1, 2023. Though lacking in many protections, there is an anti-retaliatory protection against eviction for tenants who make reports and then face eviction. We will be engaging in more advocacy on this right in 2023.

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

Whether the law calls your mobile home moveable or immovable can affects your finances. This is because it can affect your ability to get loans and affects your property taxes. You may be able to switch the legal label for your mobile home from “moveable” to “immoveable, ” through something called an “Act of Immobilization.” Learn more about the Act of Immobilization document at this link: Act of Immobilization.

After recordation, the owner, or the owner’s agent, must file a certified copy with the Secretary of the Department of Public Safety and Corrections, who creates an Internet-accessible searchable database providing a public record.

You must also submit other required documents to the OMV. Find out more here on the site of the Louisiana OMV: Mobile Home Immobilization.

What kind of property is your mobile home? 

Louisiana classifies property as either immovable or movable.

Mobile homes are called movable property unless the mobile home is immobilized.

Immobilizing means the home is made a part of the land, both physically and legally. If made immovable, it is legally treated like land and other buildings on the land.

Here is how you can find out if your mobile home is already “immovable” property.

A mobile home is not immobilized if the land and the home are owned by different people. (If the mobile home is owned, but the land is leased, the mobile home is considered moveable under the law and is treated like cars and boats.)

A mobile home is not immobilized if it is not permanently attached to the land, it can usually be made an immovable property.

A mobile home is not immobilized unless an Act of Immobilization has been notarized and officially recorded.

If you do not know if an Affidavit of Immobilization has been done and filed you can search the parish land records, the Louisiana OMV database, and also.

The parish Clerk of Court’s office can tell you where to check for an “Act of Immobilization.” If you find an Act of Immobilization recorded with the conveyance or mortgage records, then your mobile home is labeled immovable unless there is also an “Act to De-Immobilize a Manufactured Home” there.

What if there is no Act of Immobilization or Act to De-Immobilize a Manufactured Home?

That should mean your mobile home is classified as moveable.

How to change your mobile home to “immovable” property.

You can sign something called an Act of Immobilization to have your mobile home labeled as “immovable” under the law.

Warning: If you sign this you are swearing that the mobile home will remain permanently attached to the land listed in it.

Converting a mobile home to a moveable

If you want to move your immovable mobile home, you need to change it from immovable to moveable. There are steps you can take.

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

Not enough money to repair your Home after Hurricane Ida?

No help from RESTORE Louisiana?

Not enough money from FEMA?

Did RESTORE say your home wasn’t damaged enough?

Did you take the online survey? Were you told “your home does not meet the level of damage required for program assistance?”

If so, you may still be able to get help from RESTORE Louisiana

To get help from RESTORE LA, you had to apply for help from FEMA after Hurricane Ida, and:

  1. get $8,000 from FEMA to repair your home; OR
  2. get $3,500 From FEMA for personal property; OR
  3. Your home flooded more than one foot.

If you fall into any of these categories but Restore Louisiana says you don’t qualify, SLLS may be able to help.

If FEMA did not give you enough money, and you still need help fixing your home, SLLS may be able to help.

Call our Disaster Legal Services Hotline to see if you can get free legal help from Southeast Louisiana Legal Services: 1-800-310-7029, or apply online here.

The information provided on this post does not, and is not intended to, represent legal advice. All information available on this site is for general informational purposes only. If you need legal help, you should contact a lawyer. You may be eligible for our free legal services and can apply by calling our Covid Legal Hotline at 1-844-244-7871 or applying online here.

When Can I Apply?

Anyone can sign up from November 1, 2022, to January 15, 2023.There will be a similar sign-up period each year.

People with income under 150% of the poverty level can apply at any time. A chart below gives the 150% poverty levels.

Anyone can sign up for or change these health plans for 60 days after some big changes in your life. These are things like:

  • losing a job
  • losing health insurance
  • changes to who is in your family
  • losing Medicaid

Who Can Get Help?

As set out with the income charts below, different help is available depending on your income.

No one gets excluded for having a pre-existing health problem.

You may qualify now even if you could not before. Changes in 2021 and 2022 give more people low-cost health insurance.

But you cannot get this help if:

  • You get Medicaid
  • You have Medicare
  • Your annual income is under 100% of poverty (These income figures are listed below.)
  • You are not a U.S. citizen or national or lawfully present in the U.S.
  • You are in prison
  • You do not live in the U.S.
  • You already have “affordable” and adequate health insurance through a job. (This is discussed some below. The rules became more helpful in December 2022.)

The types of help available to different groups

The income figures below will be used for eligibility for 2023.

People with annual incomes under 100% of poverty

Persons with annual income under these amounts cannot get the special help with health insurance costs.

Number of People in Your tax household Annual (Yearly) Household Income
1 $13,590
2 $18,310
3 $23,030
4 $27,750
5 $32,470
6 $37,190
7 $41,910
8 $46,630
For each additional prson, add $4,720

150% of poverty

For incomes below this you can apply any time. People with incomes below this can pick a Silver Plan and have no monthly premiums. With the Silver plan they get help for copays and deductibles, too.

Number of People in Your tax Household Annual (Yearly) Household Income Monthly Average
1 $20,385 $1,699
2 $27,465 $2,289
3 $34,545 $2,879
4 $41,625 $3,469
5 $48,705 $4,059
6 $55,785 $4,649
7 $62,865 $5,239
8 $69,945 $5,829
For each additional person, add $7,080 $590

250% of poverty

For incomes below this, premiums are reduced, and with a Silver plan copays and costs when getting care are kept very low

Like other health insurance, you only pay part of your medical costs when you get health care or prescriptions. If your income is under 250% of the Federal Poverty line and you sign up for a “Silver Plan,” the costs you pay when you go to the doctor go way down. This only applies to Silver plans.

This can make silver plans better than the other plans (bronze, gold, or platinum) for people with income under 250% of poverty. Even if a Bronze plan may have lower monthly premium, a Silver plan may be less expensive for people under these incomes who use their insurance.

Read more about this special help for Silver plans here.

Number of People in Your Tax Household 250% Annual Income limit Monthly Average
1 $33,975 $2,831
2 $45,775 $3,815
3 $57,575 $4,798
4 $69,375 $5,781
5 $81,175 $6,765
6 $92,975 $7,748
7 $104,775 $8731
8 $116,575 $9,715
For each additional person, add $4,720 $983

400% of poverty

For incomes below this, premiums are reduced, so your health insurance costs less each month

400% of poverty is $54,360 for a single person, $73,240 for a couple. It is about $111,000 a year for a family of 4. and even higher for larger families.

A chart that includes the 400% income amounts is here.

Higher than 400% of poverty

Above those limits, you can still get a very high deductible policy if your health costs are over 8.17% of your income. This is called a Catastrophic policy.

There is new help for parents whose health insurance through the job costs too much

Starting December 12, 2022, there is new help for people with jobs, whose health insurance costs too much.

Check to see if health insurance though your job costs more than 9.12% of your household income. If it does, you are allowed to apply even though you could get insurance through your job. This insurance may cost less than through your job.

See if adding a spouse and children makes health insurance through your job cost more than 9.12% of your household’s income. If it does, then the dependents can get help with health insurance costs through the federal Marketplace.

For more about this see

How do I apply?

There are two options for signing up on your own:

Visit or Call 1-800-318-2596

What if I need help signing up or finding a plan?

Go to this site to find someone who is not selling something, who will help you find a plan:

You will need to agree to file federal income taxes for the years you receive the insurance.

Frequently Asked Questions

How can I see how much this will cost?

You can get an idea of what a plan will cost you before you apply or sign up.

Go here:

Is there a deadline to sign up?

People with income under 150% of the poverty level can apply at any time. For everyone else, there are important deadlines. Do not miss the deadline.

Anyone can sign up from November 1, 2022, to January 15, 2023. If you sign up before December 15, your insurance can start January 1. If you sign up between December 15 and January 15, the insurance starts February 1.

You may be able to sign up earlier if you had some big events in your life. Anyone can sign up within 60 days of any of these events:

    • Getting married
    • Having a baby
    • Adopting a child
    • Losing Medicaid
    • Losing your current health insurance. (Even if you lost insurance because you moved.)

Coverage will usually start the next month

For more information about applying outside the usual November to January 15 times see

If I sign up, am I covered for medical bills I already owe from being sick or hurt?

No. Health insurance will not cover a bill from before your coverage starts. Coverage never starts before the first of the month after you apply. Sometimes the delay is longer. For bills you already owe consider applying for Medicaid. Medicaid can cover bills up to 3 months before you apply.

People under age 65 with monthly income under 138% of the poverty line usually qualify for Medicaid. People in some other groups with higher and lower incomes who live in Louisiana can also get Medicaid.

This chart shows 138% of the poverty line for monthly income for different household sizes.

Number of People in Your Household 138% Monthly Income
1 $1,562.85
2 $2,105.65
3 $2,648.45
4 $3,191.25
5 $3,734.05
6 $4,276.85
7 $4,819.65
8 $5,362.45
For each additional person, add $542.80

When do I count my income?

The health insurance program counts your expected income for the calendar year. You are eligible based on what your income will probably be for the year, even if your income is higher or lower when you apply.Total income for the year is what counts

Why are tax households used?

To help make quick application decisions and reviews, IRS income tax data is used. So income tax rules apply to many parts of the program: what income is counted, who gets grouped together on an application, use of annual income, etc.

The one exception is for victims of domestic violence, as discussed below.

What kind of health coverage is this?

The insurance comes from private insurance companies. Money to help pay the costs comes from the federal government. This is part of the Affordable Care Act, or “ACA.”

The insurance is from names you may know, like Aetna, Blue Cross Blue Shield, Cigna, Humana, United, and so on.

Each company’s plans at a particular level (bronze, silver, gold, or platinum) must meet government standards for that level.

Usually, gold and platinum plans cover more and have lower copays when you get care. But for people with incomes under 250% of poverty, Silver Plans usually have the lowest cost when you get care.

Details can be different from company to company.

What paperwork do I need to sign up?

You need the social security number and income information for each person who will be on your federal income tax form next year.

Does my household include my spouse if I am a victim of domestic violence, domestic abuse, or spousal abandonment?

No. You do not have to file jointly and can still qualify for tax credits.

If you are living apart from your spouse because you are a victim of domestic violence, domestic abuse, or spousal abandonment and want to sign up for your own health plan separate from your abuser or abandoner, you are treated as “unmarried” in your Marketplace application. These people can say they are unmarried, without penalty for mis-stating your marital status.

For more about who is in your “household” for these insurance applications, see