Louisiana · Insurer

UnitedHealthcare Marketplace Plans in Louisiana

Updated October 8, 2026

UnitedHealthcare sold EPO plans in 48 Louisiana parishes in 2026. It dropped Jefferson, Orleans, Plaquemines and St. Charles after LCMC Health left its network.

Plan administration 5 of 5 and medical care 1 of 5 in 2026; member experience not rated.
Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.

Compare plans for my ZIP codeFree. See your price after tax credits.

48 of 64Louisiana counties (2026)

EPOPlan type

1 of 5CMS quality rating (2026)

+21.1%Proposed 2027 change

What makes UnitedHealthcare different from other Louisiana insurers?

Copay Focus plans at bronze, silver and gold have a $0 medical deductible. The silver and gold versions list $5 primary care visits.
Nine of its 13 Louisiana plans include $0 virtual urgent care in the plan name. Gold Advantage plans also list $3 tier 2 drugs.
Four plans marked with a "+" add adult dental and vision coverage to the medical plan.
CMS gave it 5 of 5 for plan administration in 2026, which covers areas like claims and customer service.

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

Is UnitedHealthcare a good Marketplace option in Louisiana?

UnitedHealthcare is a good fit if you want a $0 medical deductible with set copays. CMS rated it 1 star overall in 2025 and 2026, with medical care scored 1 of 5.

Who should consider UnitedHealthcare?

You want a $0 medical deductible with set copays
You live in Baton Rouge, Shreveport, Lafayette, Monroe or the Northshore
You'd use virtual urgent care

Who should look elsewhere?

CMS rated it 1 star overall in 2025 and 2026, with medical care scored 1 of 5.
It wasn't sold in Orleans, Jefferson, Plaquemines, St. Charles, the Lake Charles area or Alexandria in 2026.
EPO only. Out-of-network care isn't covered except emergencies and trauma.

Which UnitedHealthcare plans should you look at first?

BronzeUHC Bronze Essential ($0 Virtual Urgent Care, No Referrals)$522/monthAge 40, 2026 premium before tax creditsLowest monthly premium

BronzeUHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)$592/monthAge 40, 2026 premium before tax creditsLowest deductible, $0

GoldUHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)$784/monthAge 40, 2026 premium before tax credits$5 primary care visits before the deductible

2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.

See my price after tax creditsCompare every insurer in your county and check your doctors.

How much do UnitedHealthcare plans cost in Louisiana?

UnitedHealthcare sold 13 plans in Louisiana for 2026, starting at $522 a month at age 40 before tax credits. Its average proposed change for 2027 is +21.1%.

Which UnitedHealthcare plans were sold in Louisiana in 2026?

Premium is the lowest monthly premium before tax credits across Louisiana rating areas. OOP max is the out-of-pocket maximum. Costs are in network, for the standard version of each plan.
Plan	Metal	Type	Premium (age 40)	Deductible	OOP max	Primary care	Specialist	Generic Rx	HSA	Counties	Compare
UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals)	MetalBronze	TypeEPO	Premium (age 40)$522	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties48	Compare
UHC Bronze Standard (No Referrals)	MetalBronze	TypeEPO	Premium (age 40)$558	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties48	Compare
UHC Bronze Standard+ (Dental + Vision, No Referrals)	MetalBronze	TypeEPO	Premium (age 40)$576	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties48	Compare
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)	MetalBronze	TypeEPO	Premium (age 40)$592	Deductible$0	OOP max$10,600	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties48	Compare
UHC Silver Value ($0 Virtual Urgent Care, No Referrals)	MetalSilver	TypeEPO	Premium (age 40)$747	Deductible$4,000	OOP max$10,600	Primary care$20	Specialist$80	Generic Rx$10	HSANo	Counties48	Compare
UHC Silver Standard (No Referrals)	MetalSilver	TypeEPO	Premium (age 40)$754	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties48	Compare
UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals)	MetalSilver	TypeEPO	Premium (age 40)$765	Deductible$4,000	OOP max$10,600	Primary care$20	Specialist$80	Generic Rx$10	HSANo	Counties48	Compare
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals)	MetalSilver	TypeEPO	Premium (age 40)$787	Deductible$0	OOP max$10,150	Primary care$5	Specialist$75	Generic Rx$10	HSANo	Counties48	Compare
UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals)	MetalSilver	TypeEPO	Premium (age 40)$805	Deductible$0	OOP max$10,150	Primary care$5	Specialist$75	Generic Rx$10	HSANo	Counties48	Compare
UHC Gold Standard (No Referrals)	MetalGold	TypeEPO	Premium (age 40)$767	Deductible$2,000	OOP max$8,300	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties48	Compare
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)	MetalGold	TypeEPO	Premium (age 40)$784	Deductible$0	OOP max$9,250	Primary care$5	Specialist$50	Generic Rx$3	HSANo	Counties48	Compare
UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals)	MetalGold	TypeEPO	Premium (age 40)$791	Deductible$950	OOP max$9,600	Primary care$10	Specialist$60	Generic Rx$3	HSANo	Counties48	Compare
UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals)	MetalGold	TypeEPO	Premium (age 40)$809	Deductible$950	OOP max$9,600	Primary care$10	Specialist$60	Generic Rx$3	HSANo	Counties48	Compare

Which other insurers sell Marketplace plans in Louisiana?

Sources

LDI open enrollment release (Biz New Orleans reprint), October 31, 2025
UnitedHealthcare 2027 Louisiana actuarial memorandum, June 10, 2026
UnitedHealthcare 2027 Louisiana Part II justification, June 10, 2026
ACASignups, Louisiana 2027 rate changes (LDI table), September 24, 2026
CMS Marketplace Quality Rating System, PY2026, October 1, 2025
CMS Marketplace Quality Rating System, PY2025, October 1, 2024
CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026

← Louisiana Marketplace guide and all insurers

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.