We offer the most affordable health insurance options in Louisiana. Jump right in and start exploring plans using our advanced, easy-to-use technology, or browse around to learn more.
Each state has its own Department of Insurance, which means health insurance pricing and regulations can vary based on a state’s current laws and economy. This means that some states are more flexible in terms of health plans than others. So before you begin searching for insurance policies, it’s best to know what the options and requirements are in your area.
Louisiana participates in the Federally-facilitated Marketplace (FFM) for the enrollment of Qualified Health Plans (QHPs). If you choose a qualified plan, you can enroll through HealthCare.gov or through a private exchange like AHiX Marketplace. The key benefit of using AHiX is that, in addition to the same ACA-compliant plans available on HealthCare.gov, you also gain access to non-qualified plans and supplemental coverage options that aren’t available on the government platform.
Qualified health insurance plans are compliant with the Affordable Care Act, which satisfies the ten Essential Health Benefits, a set of benefits that are guaranteed to cover specific healthcare costs without discriminating against age, gender, location, or lifestyle choices.
Non-qualified health insurance plans are less expensive plans that provide coverage for individuals and families. These plans do not comply with the federal government’s health insurance requirements and do not cover maternity, mental health, substance abuse or pre-existing conditions.
These plans can help cover individual, family, and short term healthcare costs.
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Individual medical insurance in Louisiana is designed for those seeking coverage for themselves or their families. You can obtain insurance through various channels, including private exchanges like AHiX, directly from an insurance provider, via HealthCare.gov, through your employer, or by enrolling in social insurance programs such as Medicare or Medicaid. With the Medicaid Expansion, individuals under the age of 65 who earn up to 138% of the federal poverty level may qualify for coverage.
For ACA-qualified plans, individuals in Louisiana can expect the following average monthly premiums (based on Age 40, Zip code 70001):
Single adult
Married Couple
For those seeking more affordable alternatives, non-qualified plans are available. While these plans don’t meet ACA standards, they still provide substantial coverage, though benefits may vary by policy. Be sure to explore your options and find the lowest-cost non-qualified insurance plan that fits your needs.
Family Health Insurance Plans in Louisiana are designed to provide coverage for families, typically including at least one spouse and dependent children. You can choose between qualified and non-qualified plans through platforms like AHiX Marketplace or obtain coverage through your employer. While Medicare is primarily intended for individuals aged 65 and older, families may still qualify for Medicaid if their income is below 138% of the federal poverty level (approximately $42,338 for a family of five in 2020).
Average Premium Costs for Qualified Family Plans in Louisiana (Age 40, with children under 26):
A married couple with one child
A married couple with two children
A married couple with three children
For families seeking more affordable options, non-qualified insurance plans offer lower premiums while still providing substantial coverage. These plans can be a cost-effective alternative if your family’s healthcare needs are more basic or temporary.
Affordable Temporary Coverage is a budget-friendly option, often costing less than half the price of a qualified plan. Designed to provide temporary coverage, these plans are perfect for individuals who need insurance during gaps, such as between jobs or while waiting for employer-based or long-term qualified plans to start.
In Louisiana, recent federal regulations (effective 2024) limit short-term health plans to a maximum duration of four months, including renewals. Initial terms are capped at three months, making these plans ideal for short-term needs.
If you’re looking for flexible, temporary coverage, AHiX.com offers an easy online enrollment process with access to multiple short-term medical carriers in Louisiana. These plans provide essential protection at a fraction of the cost, giving you peace of mind during transitions.
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ (Lowest) | $$$$ (Highest) | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ (Highest) | $ (Lowest) | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
Consider the following statistics about healthcare coverage in Louisiana.
Total Louisiana Population
Uninsured Louisiana Residents
Louisiana HMO Enrollment
Annual Employee Premium in Louisiana
Hospital Costs in Louisiana before Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
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Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses, and makes essential health services affordable and accessible for everyone.
Browse Dental Plans
Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.
Find Short-Term Health PlansWhile Louisiana does not have a state mandate for health plans, it’s highly recommended to have coverage to avoid unexpected medical expenses. The Affordable Care Act (ACA) ensures that ACA-compliant plans provide essential health benefits without discrimination.
Looking for the right health insurance plan can be confusing, especially when trying to stay on budget. AHiX Marketplace makes it simple by giving you an easy way to compare both qualified and non-qualified health insurance plans in Louisiana. Whether you’re an individual, a family, or a small business, AHiX offers a wide range of options from top Louisiana insurance providers.
You can quickly find the plan that suits your healthcare needs and your budget. Plus, AHiX offers dental plan and short-term insurance options to ensure complete healthcare coverage. Start exploring today and find the best health insurance plans in Louisiana for you!
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