Health Insurance Plans in Louisiana
Browse ACA Marketplace plans available to Louisiana residents on the federal exchange. 38 plans available for 2026. Starting from $360/month.
Lowest Monthly Premium
$360/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$477/mo
14 plans available
Avg Silver (Benchmark)
$656/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in New Orleans, LA
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$477/mo avg
from $360 – $713
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$656/mo avg
from $517 – $958
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$663/mo avg
from $552 – $959
Lowest-Premium Plans Available
Sample plans near New Orleans — enter your ZIP for exact results
Signature Blue 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible
HMO Louisiana
$360/mo
Ded: $9,900
Signature Blue Copay (PCP) 50/50 $7500 Standardized HSA Eligible
HMO Louisiana
$398/mo
Ded: $7,500
Standard Expanded Bronze
Ambetter from Louisiana Healthcare Connections
$403/mo
Ded: $7,500
Everyday Bronze
Ambetter from Louisiana Healthcare Connections
$403/mo
Ded: $8,450
Standard Expanded Bronze + Vision + Adult Dental
Ambetter from Louisiana Healthcare Connections
$413/mo
Ded: $7,500
Everyday Bronze + Vision + Adult Dental
Ambetter from Louisiana Healthcare Connections
$414/mo
Ded: $8,450
Blue Connect Copay (PCP) 50/50 $7500 Standardized (N) HSA Eligible
HMO Louisiana
$429/mo
Ded: $7,500
Blue POS 60/40 $6500 with 2 $0 PCP Virtual Visits HSA Eligible
HMO Louisiana
$435/mo
Ded: $6,500
Blue POS Copay (PCP) 50/50 $7500 Standardized HSA Eligible
HMO Louisiana
$469/mo
Ded: $7,500
Elite Bronze
Ambetter from Louisiana Healthcare Connections
$471/mo
Ded: $0
Prices shown are for a 30-year-old near New Orleans without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Louisiana?
Approximately 38 ACA Marketplace plans are available in Louisiana for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Louisiana?
For a 30-year-old without subsidies, the cheapest plan near New Orleans starts at about $360/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Louisiana use HealthCare.gov?
Yes — Louisiana is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Louisiana averages $656/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Louisiana
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More Louisiana guides
Best plans in Louisiana Cheapest plans in Louisiana HSA-eligible plans in Louisiana