When can I sign up for a 2027 Louisiana Marketplace plan?

Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.

Will I pay the full price shown?

Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.

Can I keep my doctor?

52 of Louisiana's 100 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.

My plan is renewing. Do I need to do anything?

Compare before you let it renew. Louisiana insurers filed 2027 increases of about 10% to 25% before tax credits, and your plan or its network may change. Your new tax credit can change too.

Has Louisiana expanded Medicaid?

Louisiana expanded Medicaid in 2016. Adults under 65 with income up to 138% of the poverty level may qualify. From January 1, 2027, many expansion adults must show 80 hours a month of work, school or volunteering. Apply through Louisiana Medicaid at ldh.la.gov or on HealthCare.gov.

On HealthCare.gov, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.

Why are there two Louisiana Blue companies?

HMO Louisiana sells Louisiana Blue's POS plans, including Blue POS and regional networks like Blue Connect. Blue Cross and Blue Shield of Louisiana sells the statewide Blue Max and Blue Saver PPOs. Networks and prices differ, so compare both.

Can I get a tax credit if I lose Medicaid over the work rule?

Usually not. Under the 2025 federal law, people denied or dropped from Medicaid for not meeting the work requirement generally can't get Marketplace tax credits. Ask Louisiana Medicaid about exemptions first, and keep your contact details current.

Is UnitedHealthcare sold in New Orleans?

Not in 2026. It left Jefferson, Orleans, Plaquemines and St. Charles after LCMC Health left its network. Check HealthCare.gov in November to see its 2027 parishes.

Louisiana · Open enrollment Nov 1 – Jan 15

Louisiana Marketplace Health Insurance: How to Choose a 2027 Plan

Updated October 8, 2026

Open enrollment for 2027 runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

Louisiana had 6 Marketplace insurers and 100 plans for 2026. How many you can choose from depends on your county.

Prices are going up for 2027. Louisiana insurers filed increases of about 10% to 25% before tax credits. Compare again even if you like your plan.

Find my Louisiana planFree. See your price after tax credits.

What's changing in the Louisiana Marketplace for 2027?

Every 2026 insurer filed 2027 plans for HealthCare.gov. Cigna's national exit doesn't affect Louisiana, because Cigna doesn't sell individual plans here.
Final filings run from 10.5% at AmeriHealth Caritas Next to 24.5% at Ambetter, before tax credits. The statewide average is about 18%.
Many expansion adults ages 19 to 64 must meet an 80-hour monthly rule through a job, classes or community service. Caregivers and some others are exempt.
In Allen, Avoyelles, Lafourche, Terrebonne and Winn, only the two Louisiana Blue companies sold plans in 2026. UnitedHealthcare skipped four New Orleans-area parishes.

Bourbon Street in the New Orleans French Quarter at dusk, with iron balconies and Mardi Gras flags

Which metal level fits how you use care?

Metal levels set how you and the plan share costs. The network, not the metal level, decides which doctors you can see.

Lowest monthly price, from $402 at age 40 before tax credits. You pay more when you get care: the typical deductible is $7,500. 16 Bronze plans work with a health savings account (HSA).
Only Silver plans get extra savings on deductibles and copays for lower incomes. If you qualify, Silver can cost less to use than Gold. From $542 at age 40; typical deductible $6,000 before those savings.
Higher monthly price, from $605 at age 40, but a much lower typical deductible of $2,000. Often the better deal with several visits, a planned procedure or ongoing prescriptions.

Louisiana 2026 plans. Monthly premium for one person before tax credits, in the lowest-priced area of the state. Deductibles are for one person, in network. Also available: 0 catastrophic plans for people under 30.
Metal	Plans	From, age 40	Typical deductible	Deductible range
Bronze	Plans35	From, age 40$402	Typical deductible$7,500	Deductible range$0–$10,600
Silver	Plans36	From, age 40$542	Typical deductible$6,000	Deductible range$0–$6,900
Gold	Plans29	From, age 40$605	Typical deductible$2,000	Deductible range$0–$3,750

Which insurers sell Marketplace plans in Louisiana?

6 insurers sold Louisiana Marketplace plans in 2026, and 6 are expected for 2027. Not every insurer sells in every county, so your ZIP code decides your choices.

2026 plans. Lowest monthly premium before tax credits, any metal level except catastrophic. CMS rating is the Marketplace Quality Rating System overall score. 2027 change is each insurer's average as proposed. Final 2027 rates are published when open enrollment starts. All six 2026 insurers return for 2027. The Louisiana Department of Insurance reviews individual rates but doesn't approve them. Figures are the final filings it posted in September 2026.
Insurer	Counties (2026)	Plans (2026)	Plan types	From (age 40)	CMS rating (2026)	2027 change
HMO Louisiana	Counties (2026)64 of 64	Plans (2026)40	Plan typesPOS	From (age 40)$405	CMS rating (2026)3 of 5	2027 change+13.7% proposed
Ambetter	Counties (2026)22 of 64	Plans (2026)16	Plan typesEPO	From (age 40)$441	CMS rating (2026)Not yet rated	2027 change+24.5% proposed
CHRISTUS	Counties (2026)8 of 64	Plans (2026)15	Plan typesHMO	From (age 40)$402	CMS rating (2026)2 of 5	2027 change+13.4% proposed
UnitedHealthcare	Counties (2026)48 of 64	Plans (2026)13	Plan typesEPO	From (age 40)$522	CMS rating (2026)1 of 5	2027 change+21.1% proposed
Blue Cross and Blue Shield of Louisiana	Counties (2026)64 of 64	Plans (2026)8	Plan typesPPO	From (age 40)$659	CMS rating (2026)3 of 5	2027 change+14.4% proposed
AmeriHealth Caritas Next	Counties (2026)4 of 64	Plans (2026)8	Plan typesHMO	From (age 40)$502	CMS rating (2026)Not yet rated	2027 change+10.5% proposed

What would you pay after tax credits?

Answer a few questions about your household and your care. See plans for your county, check your doctors and prescriptions, and get a recommendation.

Find my Louisiana plan

What do people ask about Louisiana Marketplace plans?

Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.
Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.
52 of Louisiana's 100 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.
Compare before you let it renew. Louisiana insurers filed 2027 increases of about 10% to 25% before tax credits, and your plan or its network may change. Your new tax credit can change too.
Louisiana expanded Medicaid in 2016. Adults under 65 with income up to 138% of the poverty level may qualify. From January 1, 2027, many expansion adults must show 80 hours a month of work, school or volunteering. Apply through Louisiana Medicaid at ldh.la.gov or on HealthCare.gov.
On HealthCare.gov, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.
HMO Louisiana sells Louisiana Blue's POS plans, including Blue POS and regional networks like Blue Connect. Blue Cross and Blue Shield of Louisiana sells the statewide Blue Max and Blue Saver PPOs. Networks and prices differ, so compare both.
Usually not. Under the 2025 federal law, people denied or dropped from Medicaid for not meeting the work requirement generally can't get Marketplace tax credits. Ask Louisiana Medicaid about exemptions first, and keep your contact details current.
Not in 2026. It left Jefferson, Orleans, Plaquemines and St. Charles after LCMC Health left its network. Check HealthCare.gov in November to see its 2027 parishes.

Where these numbers come from

2026 plans, premiums, deductibles, copays and out-of-pocket maximums: CMS QHP Landscape and Benefits and Cost Sharing Public Use Files, plan year 2026. Checked October 4, 2026.
Proposed 2027 changes: each insurer's rate filing (ratereview.healthcare.gov or the state insurance department).

CMS Rate Review, Louisiana 2027 individual filings, June 10, 2026
ACASignups, Louisiana 2027 rate changes (LDI table), September 24, 2026
healthinsurance.org, Louisiana marketplace guide, September 15, 2026
LDH, Louisiana Medicaid work requirements fact sheet, January 2026
LDI open enrollment release (Biz New Orleans reprint), October 31, 2025
AmeriHealth Caritas Louisiana 2027 actuarial memorandum, May 29, 2026
CMS statement on City of Columbus v. Kennedy, August 4, 2026

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.