Health Insurance Plans in Louisiana
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Louisiana residents. Get a free quote from a licensed advisor today.
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Louisiana Health Insurance at a Glance
Here's what you need to know about health coverage options in Louisiana.
Louisiana expanded Medicaid in 2016 under Governor Edwards, which significantly reduced the uninsured rate. ACA marketplace plans remain important for residents above the Medicaid income threshold.
Check Plans in Your ZIP Code
Enter your ZIP code to see carriers, estimated costs, and coverage options available in your specific area.
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Get My Personalized Quote →ACA Marketplace Plans in Louisiana
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Louisiana Marketplace Works
Louisiana residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Louisiana
These insurance companies offer ACA marketplace plans in Louisiana:
- Ambetter
- Blue Cross Blue Shield of Louisiana
- Christus Health
- Molina Healthcare
- UnitedHealthcare
- Vantage Health Plan
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Louisiana
Louisiana has expanded Medicaid under the ACA.
Adults with household incomes up to 138% of the Federal Poverty Level (about $20,120 for an individual in 2026) may qualify for Medicaid. Those above this threshold should explore ACA marketplace plans, where premium tax credits can significantly reduce costs.
Check Your Eligibility →Short-Term Health Insurance in Louisiana
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Louisiana
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Louisiana?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Louisiana
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Louisiana Health Insurance Questions
Louisiana Insurance Resources
Louisiana Department of Insurance
File complaints, verify licenses, and learn about your rights as a consumer.
Louisiana Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Louisiana
Find health insurance information specific to your city in Louisiana.
New Orleans
Orleans Parish · Pop. 383,997
Baton Rouge
East Baton Rouge Parish · Pop. 227,470
Shreveport
Caddo Parish · Pop. 187,593
Lafayette
Lafayette Parish · Pop. 126,185
New Orleans
Orleans Parish · Pop. 383,997
Baton Rouge
East Baton Rouge Parish · Pop. 227,818
Shreveport
Caddo Parish · Pop. 186,986
Lafayette
Lafayette Parish · Pop. 126,921
Lake Charles
Calcasieu Parish · Pop. 77,998
Kenner
Jefferson Parish · Pop. 66,702
Bossier City
Bossier Parish · Pop. 68,582
Houma
Terrebonne Parish · Pop. 33,727
Laplace
Saint John the Baptist Parish · Pop. 32,069
New Iberia
Iberia Parish · Pop. 30,617
Gretna
Jefferson Parish · Pop. 17,736
Metairie
Jefferson Parish · Pop. 140,796
Marrero
Jefferson Parish · Pop. 32,328
Harvey
Jefferson Parish · Pop. 22,393
Westwego
Jefferson Parish · Pop. 10,096
Slidell
Saint Tammany Parish · Pop. 28,781
Morgan City
Saint Mary Parish · Pop. 12,404
Thibodaux
Lafourche Parish · Pop. 14,566
Alexandria
Rapides Parish · Pop. 46,342
Monroe
Ouachita Parish · Pop. 48,815
Health Insurance by County in Louisiana
Find health insurance information for your county in Louisiana.
Orleans Parish
County Seat: New Orleans · Pop. 383,997
East Baton Rouge Parish
County Seat: Baton Rouge · Pop. 456,781
Caddo Parish
County Seat: Shreveport · Pop. 237,164
Lafayette Parish
County Seat: Lafayette · Pop. 221,578
Calcasieu Parish
County Seat: Lake Charles · Pop. 183,086
Jefferson Parish
County Seat: Gretna · Pop. 431,840
Bossier Parish
County Seat: Bossier City · Pop. 116,979
Terrebonne Parish
County Seat: Houma · Pop. 111,860
Saint John the Baptist Parish
County Seat: Laplace · Pop. 42,337
Iberia Parish
County Seat: New Iberia · Pop. 73,266
Saint Tammany Parish
County Seat: Covington · Pop. 265,831
Saint Mary Parish
County Seat: Morgan City · Pop. 58,978
Lafourche Parish
County Seat: Thibodaux · Pop. 96,258
Rapides Parish
County Seat: Alexandria · Pop. 131,613
Ouachita Parish
County Seat: Monroe · Pop. 153,434
Acadia Parish
County Seat: Crowley · Pop. 58,861
Allen Parish
County Seat: Oberlin · Pop. 24,141
Ascension Parish
County Seat: Donaldsonville · Pop. 107,215
Assumption Parish
County Seat: Napoleonville · Pop. 22,084
Avoyelles Parish
County Seat: Marksville · Pop. 41,490