Health insurance for Louisianans who buy their own.
We help Louisianans who buy their own health insurance, from people leaving a job to self-employed workers and early retirees waiting for Medicare. A licensed agent can compare Marketplace plans and other options for your parish and budget.
Louisiana plans we compare
What’s different about health insurance in Louisiana.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Louisiana FAQ- Louisiana uses HealthCare.gov. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027.
- The extra federal subsidies ended after 2025, so income above 400% of the poverty level gets no premium help.
- Full-price Marketplace premiums rose about 23.7% on average for 2026, and approved 2027 increases average 18.1%.
- UnitedHealthcare left Jefferson, Orleans, Plaquemines and St. Charles parishes for 2026.
- Medicaid covers adults up to 138% of the poverty level, with a work requirement starting in 2027.
- State continuation lets workers at small employers keep group coverage for up to 12 months.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Louisiana's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Louisiana, and what to use instead.
Learn moreWho sells plans in Louisiana
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Louisiana FAQ, or ask an agent at (888) 214-4898.
Open enrollment runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Choose a plan by December 15 for coverage that starts January 1. After January 15 you generally need a qualifying life event, such as losing other coverage.
No. Louisiana uses the federal Marketplace at HealthCare.gov. The state does not add its own premium subsidy on top of the federal tax credit.
Two things happened at once. Full-price premiums rose about 23.7% on average, and the extra federal tax credits ended after 2025, so many people got less help. Approved rate increases for 2027 average about 18.1%.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Louisiana county, check your subsidy, and walk you through the options. No cost, no obligation.