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Affordable Health Insurance

Looking to enroll in a health insurance plan or simply get insights on Louisiana’s health insurance landscape?

Breathe easy, because you’ve stumbled upon the perfect spot. Here, we’ve laid out a space for you to explore Marketplace insurance plans, grab a free quote, and start your enrollment process.

Additionally, we’ve illuminated key details: from vital enrollment dates and deadlines, to the best insurance carriers in LA, insights on what you can expect to pay, and more.

To shop and compare the most affordable health insurance options in Louisiana, click the button below:

Smiling family because of affordable health insurance

1 out of 2 people looking for healthcare coverage pay under $30/month!

Louisiana Health Insurance Plans

The importance of reliable health insurance coverage in Louisiana cannot be understated. With options that range from short-term health insurance to comprehensive major medical coverage, it’s essential for you to understand and choose the right plan for your needs.

Benefits of a Marketplace Plan (Obamacare)

Marketplace insurance plans, align with the requirements of the Affordable Care Act (ACA), ensuring you receive minimum essential coverage.

With options like ACA-compliant plans and other plans, the Marketplace offers health coverage options tailored for Louisiana residents.

LA Open Enrollment and Financial Savings

The annual open enrollment period is a specific time when you can sign up for healthcare coverage. The dates change each year, but have always started on November 1st.

Man checking the open enrollment dates

Enrollment Periods for 2024 Coverage

Open Enrollment Period: November 1st – January 15th

Special Enrollment Period: January 16th – October 31st

If you miss Open Enrollment, you might have to wait til next year unless you qualify due to certain Qualifying Life Events (QLE).

Let’s look at a few QLE examples:

  • Getting married, having a baby, or adopting a child
  • Losing your healthcare coverage from:
  • your employer, a divorce, or legal separation
  • Moving to a new county or ZIP code
  • Plus more! See the complete list.

On average, people are paying
$126/month in Louisiana. [1]

Financial Assistance (Affordable Care Act)

  • Premium Tax Credits or Premium Subsidies: Financial payments to you in the form of a tax credit are available for those who qualify based on household income and family size, making it easier to find affordable health insurance. In effect, premium subsidies decrease the monthly amount you pay for your health care coverage.
  • Cost-Sharing Reductions: Offers savings on out-of-pocket costs, like doctor visits or prescriptions on Silver plans found in the Marketplace.

Shop the Marketplace and discover how you can benefit from financial assistance options! Everyone deserves to be able to find affordable health insurance.

To shop, compare plans and see how much financial savings you qualify for in Louisiana

Essential Health Benefits & Affordable Care Act

Every insurance plan under the Affordable Care Act offers essential health benefits such as hospital visits, prescription drugs, preventive care, x-rays, and doctor office visits.

  • Affordable Care Act plans ensure that no one is denied insurance based on preexisting conditions.

Exploring Health Coverage Options in Louisiana

  • Health Plans with Essential Health Benefits: All-inclusive plans covering doctor visits, prescription drugs, hospital visits, and other critical services. Plus, regardless of your preexisting conditions, you can secure coverage through the Marketplace.
  • Short-Term Plans: These short-term health insurance plans generally have limited benefits and limited coverage since they typically do not cover preexisting conditions. As the name implies, short-term health insurance offers coverage for shorter periods, typically less than 12 months, and often has lower premiums.
  • Major Medical Plans: Comprehensive plans covering a range of health services. It’s your traditional health coverage offering maximum protection. Typically, offered through your employer.

Additional Coverage Options

  • Dental insurance: Helps offset the costs of oral care procedures and check-ups.
  • Vision Insurance: Crucial for those requiring regular eye check-ups or have vision issues.
  • Accident Insurance: Provides cash benefits in the case of an accident, helping cover unforeseen costs.
  • Critical Illness: Offers financial benefits if you’re doctor diagnoses you with a specified illness.

Choosing the Right Health Insurance Company

  • Blue Cross Blue Shield Healthcare Plan of Louisiana, United Healthcare, formerly known as Golden Rule Insurance Company, and other insurance companies provide a variety of ACA-Compliant plan(s). Be sure to shop plans efficiently and effectively by consulting an insurance agency for guidance.
  • Always look into the fine print like deductibles, coverage limitations, waiting periods, exclusions, and the complete details that can be found in the summary of benefits.

Affordable Health Plans from:

Ambetter from Louisiana Healthcare Connections

Blue Cross Blue Shield of Louisiana

CHRISTUS Health Plan Louisiana

HMO Louisiana


Vantage Health Plan

Affordable Dental Plans from:

BEST Life and Health Insurance Company

Blue Cross Blue Shield of Louisiana

Delta Dental Insurance Company

DentaQuest USA Insurance Company, Inc.

Guardian Life Insurance Company of America

Humana Health Benefit Plan of Louisiana, Inc.

Renaissance Life & Health Insurance Company of America

Join The Zero-Premium Club

59% of Louisiana Healthcare.gov enrollees
had access to $0 premium health plans. [2]

Zero premiums mean zero stress.
Find out if you can get zero/low-cost health insurance.

The Role of an Insurance Agent

A licensed insurance agent isn’t just about selling. They guide, educate, and ensure that every individual finds the health plan aligning with their needs, be it from the major medical coverage options or specific plans like dental or vision insurance.

Your Health Care Plans, Our Priority

Health is priceless. Whether you’re exploring health insurance, seeking options, or just need information about enrolling, our commitment is to provide clarity, options, and unwavering support.

For more insights, tips, and details on health plans, deductibles, benefits, and more, continue exploring our website or reach out to our expert team.

FAQ: Louisiana Health Insurance

How Much is Health Insurance in Louisiana Per Month?

The monthly cost of health insurance coverage in Louisiana varies based on factors such as the type of plan, age, location, and health status. On average, residents can expect to pay anywhere from $300 to $600 per individual.


Financial assistance or premium subsidies decrease the monthly amount you pay for your coverage. For a quick estimate of your financial savings, consider visiting marketplaceamerica.org.

The average cost of health insurance in Louisiana per month in 2023 is $677 for a major medical individual health insurance plan.


However, the actual cost of health insurance can vary depending on a number of factors, including your age, gender, health status, location, and the type of plan you choose.


Here is a breakdown of the average monthly premiums for different types of health insurance plans in Louisiana, according to eHealthInsurance.com:

Metal tier


Monthly premium (for a 40-year-old adult)









What Health Insurance Companies Are in Louisiana?

Louisiana hosts several insurance providers. Notable companies include Blue Cross Blue Shield of Louisiana, Aetna, Cigna, Humana, and United Healthcare (unitedhealthcare insurance company), formerly known as Golden Rule Insurance Company. It’s always a good idea to shop around and compare policies before making a decision. For a complete list and plan comparisons, check out marketplaceamerica.org.

Does Louisiana Offer State Health Insurance?

Yes, Louisiana offers state-sponsored insurance plans through programs such as Medicaid coverage and the Louisiana Children’s Health Insurance Program (CHIP). Eligibility for these programs is determined by income, family size, and other criteria. You can also explore additional options on marketplaceamerica.org.

Is Blue Cross Blue Shield of Louisiana Good Insurance?

Blue Cross Blue Shield of Louisiana is one of the leading insurance providers in the state and is highly regarded for its comprehensive coverage options and network of healthcare providers. As with any insurer, customer satisfaction can vary, so it’s essential to read reviews and compare plans.

What is the Best Healthcare in Louisiana?

The best healthcare in Louisiana is provided by Ochsner Medical Center in New Orleans, which has been ranked the #1 hospital in the state for 12 consecutive years by U.S. News & World Report. Ochsner Medical Center is a nationally ranked academic medical center with a wide range of specialties and services. It is also a leader in research and innovation.

Other top-ranked hospitals in Louisiana include:

  • Our Lady of the Lake Regional Medical Center in Baton Rouge
  • Baton Rouge General Medical Center in Baton Rouge
  • Willis-Knighton Medical Center in Shreveport
  • Ochsner Lafayette General Medical Center in Lafayette

These hospitals offer a wide range of services, including primary care, specialty care, and emergency care. They are also accredited by The Joint Commission, which means that they meet high standards for safety and quality.

What is Considered Low Income in Louisiana?

The Louisiana Housing Corporation (LHC) defines a low-income household as a household whose income is below 80% of the area median income (AMI). The AMI is calculated by the U.S. Department of Housing and Urban Development (HUD) and varies depending on the location of the household.

Here are the low-income income limits for households in Louisiana in 2023:

Family size

Low-income income limit

1 person


2 people


3 people


4 people


5 people


6 people


7 people


8 people


Is There Free Health Care in Louisiana?

While Louisiana doesn’t offer entirely free healthcare, there are state-sponsored programs like Medicaid and CHIP that provide healthcare at reduced or no cost for eligible individuals and families based on income and other criteria.

What is the Maximum Income to Qualify for Medicaid in Louisiana?

The maximum income to qualify for Medicaid in Louisiana in 2023 is 138% of the Federal Poverty Level (FPL). This means that a single person with an income of less than $16,753 per year or a family of four with an income of less than $34,638 per year may be eligible for Medicaid.

However, there are some additional eligibility requirements for Medicaid, such as age, citizenship status, and disability status. For example, most adults without disabilities must be age 65 or older or pregnant to qualify for Medicaid.

To find out if you are eligible for Medicaid in Louisiana, you can visit the Louisiana Department of Health website or call the Medicaid Eligibility Hotline at 1-888-342-6207.

Here is a table of the Medicaid income limits for 2023 in Louisiana, based on family size:

Family sizeMedicaid income limit
1 person$16,753
2 people$22,685
3 people$28,617
4 people$34,638
5 people$40,659
6 people$46,680
7 people$52,701
8 people$58,722

What is the Cheapest Health Insurance in Louisiana?

The cheapest health insurance plans will depend on individual factors such as age and plan type. It’s advisable to shop around, compare quotes, and consider both monthly premiums and out-of-pocket expenses when determining cost.

How to Get Free Health Insurance in Louisiana?

Eligible residents can apply for free or reduced-cost medical insurance through state programs like Medicaid or CHIP. To determine eligibility, one can consult with the Louisiana Department of Health and Human Services. Additionally, depending upon your household income you may be able to secure Marketplace coverage at no cost utilizing premium subsidies and/or tax credit. Check marketplaceamerica.org to see how much savings you are entitled to.

Self-employed Health Insurance in Louisiana?

Self-employed individuals can purchase major medical insurance through the Marketplace. There might be specific plans tailored to the self-employed, offering flexibility and coverage suitable for entrepreneurs. You can explore individual plans suited for you on marketplaceamerica.org.

What Does Health Insurance in Louisiana Cost?

The cost of health insurance varies. Factors influencing price include:

  • Age
  • Location
  • Health status
  • Type of plan
  • Level of coverage
  • Deductible
  • Copayments
  • Out-of-pocket maximums

To get an accurate estimate of how much health insurance will cost you, it’s important to compare quotes from multiple providers. You can do this through the Health Insurance Marketplace or by working with a licensed agent to see what suites your budget.

What is the Best Health Insurance in Louisiana?

The “best” health insurance is subjective and depends on individual needs. Blue Cross Blue Shield of LA, Aetna, and Cigna are some of the top providers in the state. Comparing coverage, cost, and customer reviews can help in making an informed choice. Marketplaceamerica.org allows you to compare various plans and choose the most suitable one.

Medicare Choices in Louisiana

Medicare, health coverage for those 65 and older, offers two main choices in Louisiana. Beneficiaries can either opt for Original Medicare, which encompasses Part A (covering hospital services) and Part B (for medical services), or they can select Medicare Advantage plans, known as Part C. These plans are provided by private insurers and often feature added perks like prescription drug coverage, and dental, and vision benefits.

What is Louisiana Healthcare Connections

Louisiana Healthcare Connections (LHC) is the state’s Medicaid and Health Insurance Marketplace agency. LHC administers Medicaid, CHIP, and the Health Insurance Marketplace in Louisiana. LHC also offers a variety of other health insurance programs, including Ambetter from Louisiana Healthcare Connections, a Health Insurance Marketplace plan that offers affordable coverage to individuals and families.

LHC is committed to helping Louisianans get the health insurance they need. LHC offers a variety of resources and tools to help people find and enroll in coverage, including a website, call center, and in-person enrollment assistance.

Here are some of the benefits of enrolling in LHC:

  • Access to a wide range of health insurance plans, including Medicaid, CHIP, and the Health Insurance Marketplace.
  • Affordable coverage for individuals and families.
  • Financial assistance for those who qualify.
  • Access to a network of doctors, hospitals, and other healthcare providers.
  • Variety of resources and tools to help people find and enroll in coverage.

If you are interested in learning more about LHC or enrolling in a health insurance plan, you can visit the LHC website or call the LHC call center at 1-866-595-8133.

What is the Health Insurance Marketplace?

The health insurance marketplace, also known as the exchange, is an online platform where individuals, families, and small businesses can compare and purchase health insurance plans. It provides a centralized location to find information about different insurance options, check eligibility for cost assistance, and enroll in a plan that suits your needs. The marketplace is accessible through Healthcare.gov in most states, while some states operate their own exchanges.

Need health insurance?

Call our Marketplace Call Center for free assistance* from licensed health agents.

Get a free health insurance quote today!

*Agents may be compensated based on enrollment in your health plan by the insurance company.