Louisiana Budget Project analyst Steve Spires wrote a letter to the editor of the Advocate Thursday, clarifying earlier claims by Blue Cross about health-care costs that consumers should know before the new law takes effect in January. Spires notes that most individuals will be shielded from premium cost increases due to new federal tax credits that will “allow thousands of uninsured, moderate-income families to afford private coverage for the first time, and will help reduce premiums for others.”