Affordable Health Insurance
Louisiana

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

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.

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.

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.

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.

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:

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.

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:

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.

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 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.

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.

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, 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.

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.

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.