Compare your Louisiana coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Louisiana residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Louisiana is the first step toward a plan that fits.
Louisiana uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers.
Louisiana has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment for Louisiana plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Louisiana residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
Louisiana's individual health insurance market enters the 2026 plan year carrying three verified, state-specific shocks: a hospital-network dispute that pushed a major carrier out of the individual marketplace in four New Orleans-area parishes, back-to-back years of double-digit rate increases, and the steepest sign-up-to-paid-coverage collapse of any state in the country. Here's what the data actually shows.
Kaiser Family Foundation's 2026 state-by-state review of ACA Marketplace enrollment found Louisiana had the steepest divergence of any state between people who picked a plan and those who actually paid for one: plan selections rose about 1% year-over-year, while effectuated (paid) enrollment fell 27% — the largest sign-up-to-paid-coverage gap in the country. (Source: KFF, “How Has ACA Marketplace Enrollment Changed Across States in 2026?”)
UnitedHealthcare's individual ACA marketplace plans lost network access to the LCMC Health hospital system for 2026, forcing the carrier out of the individual marketplace in Jefferson, Orleans, Plaquemines, and St. Charles parishes, according to Louisiana Insurance Commissioner Tim Temple and the state Department of Insurance. Residents with UnitedHealthcare marketplace coverage in those four parishes had to pick a new carrier by December 15, 2025 or be auto-reassigned. Note: UnitedHealthcare separately reached a network agreement with LCMC for employer-sponsored commercial plans in late October 2025 — that deal did not restore access for individual marketplace members. (Source: Louisiana Department of Insurance; corroborated by Biz New Orleans.)
Louisiana's individual-market insurers received a final, state-approved weighted average rate increase of 23.4% for 2026 — then filed preliminary requests averaging a 17.3% weighted increase for 2027, marking a second straight year of double-digit premium hikes. The 2027 figure is a proposed rate still under state review; final 2027 rates are expected around November 2026. (Source: ACA Signups' Louisiana rate-filing trackers for 2026 and 2027; 2027 figure corroborated by healthinsurance.org.)
As enhanced federal subsidies expired at the end of 2025, Louisiana's paid ACA marketplace enrollment fell 26% in just the first two months of 2026 — more than 69,000 people priced out of coverage, per ACA Signups' analysis of state rate-filing and enrollment data. A separate July 2026 analysis by The Lens, comparing March 2025 to March 2026 enrollment (264,790 to 195,759), found an almost identical ~26%, ~69,000-person decline using a different measurement window — same conclusion, independent method. (Source: ACA Signups; corroborated by The Lens NOLA.)
We serve Louisiana residents across New Orleans, Baton Rouge, Shreveport, Lafayette, and Lake Charles and statewide.
Personal coverage for Louisiana residents without an employer plan.
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Learn MoreA network dispute between UnitedHealthcare and the LCMC Health hospital system pulled UnitedHealthcare's individual ACA marketplace plans out of Jefferson, Orleans, Plaquemines, and St. Charles parishes for 2026, according to the Louisiana Department of Insurance. Residents with UnitedHealthcare marketplace coverage in those four parishes needed to choose a new carrier by December 15, 2025, or risk being auto-reassigned to a plan that might not fit their needs. We check which carriers currently have in-network access to your preferred hospitals and doctors in your parish before you enroll, so a network gap like this one doesn't catch you off guard.
Louisiana uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Louisiana has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for Louisiana plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Louisiana individuals, families, self-employed professionals, and small business owners across New Orleans, Baton Rouge, Shreveport, Lafayette, and Lake Charles and statewide, matching each situation to the right coverage.
Talk through your options with a licensed advisor who serves Louisiana. No cost, no pressure.