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.
Employer size determines which set of continuation rules a departing Louisiana employee falls under.
| Feature | Federal COBRA (20+ employees) | Louisiana State Continuation (under 20 employees) |
|---|---|---|
| Standard duration | Up to 18 months | Up to 12 months |
| Election window | 60 days | 60 days |
| Who it applies to | Employers with 20+ employees | Employers with fewer than 20 employees |
If your Louisiana employer has fewer than 20 employees, plan for a shorter bridge to your next coverage than federal COBRA would provide elsewhere.
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.
Learn MoreProtect your whole household under one Louisiana plan.
Learn MoreFlexible coverage for Louisiana freelancers and contractors.
Learn MoreGroup health benefits for Louisiana teams of 2 to 50.
Learn MoreNo, it's shorter. Louisiana's state continuation law applies to employers with fewer than 20 employees and offers up to 12 months of continuation, compared to federal COBRA's standard 18 months for larger employers. The election window is 60 days either way.
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.