The Best Health Insurance In Louisiana Of 2025

Health insurance companies that sell health insurance policies on the Affordable Care Act (ACA) marketplace may offer four types of health plans: provider organization (PPO), health maintenance organization (HMO), exclusive provider organization (EPO) and point of service (POS) plans.

• Cheapest PPO in Louisiana: Blue Cross and Blue Shield of Louisiana
• Cheapest HMO in Louisiana: CHRISTUS Health Plan
• Cheapest EPO in Louisiana: Ambetter from Louisiana Healthcare Connections
• Cheapest POS in Louisiana: HMO Louisiana

Health insurance costs in Louisiana can vary by age, location, metal tier chosen, smoking status and the plan type you choose. Your health and gender aren’t factors in premiums when you get health insurance from the Affordable Care Act marketplace.

Cost of EPO and POS Plans in Louisiana

Our evaluation found that EPOs cost an average of $712/month in Louisiana. Here are average costs among the best health insurance companies in Louisiana.

Company	EPO cost per month	POS cost per month	Learn More
HMO Louisiana	N/A	$711	See Plans On Healthcare.com's Website
UnitedHealthcare	$760	N/A	See Plans On Healthcare.com's Website

Source: Federal health insurance marketplace at HealthCare.gov. Costs are for unsubsidized plans. Averages are based on costs for buyers ages 21, 27, 30, 40, 50 and 60.

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Cost of Health Plans by Metal Tier in Louisiana

Silver health plans cost an average of $753/month in Louisiana. Here’s a look at premiums among the top-scoring Louisiana health plans in our analysis.

Company	Bronze or Expanded bronze plan cost per month	Silver plan cost per month	Gold plan cost per month	Learn More
HMO Louisiana	$578	$754	$829	See Plans On Healthcare.com's Website
UnitedHealthcare	$612	$820	$859	See Plans On Healthcare.com's Website

Source: Federal health insurance marketplace at HealthCare.gov. Costs are for unsubsidized plans. Averages are based on costs for buyers ages 21, 27, 30, 40, 50 and 60.

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Average Cost of Bronze Plans in Louisiana at Age 27

ACA law allows children to stay on a parent’s health plan until age 26. After that, they may need their own plan from the state’s health insurance marketplace. Since younger people usually need less healthcare, we looked at average prices for bronze plans at age 27 in Louisiana. Overall, expect to pay an average of $411 a month for a bronze plan at age 27.

Average Cost of Silver Plans in Louisiana at Age 40

Silver plans are the most popular health plan tier and have an average cost of $645 a month for 40-year-olds in Louisiana. Here’s a look at the average costs by county.

Average Cost of Gold Plans in Louisiana at Age 60

Before you’re eligible for Medicare at age 65 you may be looking for a good health plan. Gold plans can be a smart choice for older people who may require more healthcare. The average cost for a Gold plan at age 60 in Louisiana is $1,557 a month. Here’s how average costs look in Louisiana counties.

Platinum Plans: Good for People Who Need Frequent Healthcare

Platinum plans are the most expensive ACA marketplace plans and they’re also the hardest to find. Less than 10% of ACA plans are platinum plans, so there’s a good chance you might not even have the option.

If a health insurance company in your region sells platinum plans, these types of plans may work for you if you need frequent healthcare and multiple costly prescriptions. Platinum plans have low health insurance deductibles and coinsurance, so you pay lower amounts when you need healthcare. But they also have the most expensive premiums, so you pay the most for coverage each month.

Gold Plans: Good for People Who Want Lower Out-of-Pocket Expenses

Gold plans have lower out-of-pocket costs than silver or bronze plans, but they come with higher health insurance premiums. If you need regular healthcare, a gold plan could be a smart option since you will pay less when you get care than if you have a silver or bronze plan.

You’ll want to balance the monthly premiums with the out-of-pocket costs like coinsurance and deductibles when you’re choosing an ACA plan.

Silver Plans: Good for People Who Want to Balance Premiums and Out-of-Pocket Costs

If you don’t want to pay very high deductibles but also don’t want to pay high premiums, a silver plan might be the right fit. Silver plans have lower out-of-pocket costs than bronze plans and lower premiums than platinum and gold plans, which make them a good middle ground.

Silver and bronze plans are the most common ACA plans offered, so you shouldn’t have an issue finding a silver plan in your region.

Bronze Plans: Good for People Looking for the Lowest Premiums

Bronze plans are a top option if you don’t use healthcare often and want the cheapest monthly premium payment. The drawback is that bronze plans have higher out-of-pocket costs when you receive healthcare.

If you’re looking for the cheapest health plans that still offer comprehensive coverage, a bronze plan could be the best choice.

Some health insurers also sell “expanded bronze” policies. These plans have higher coinsurance levels for in-network costs (up to 65%) than standard bronze plans (average of 60%).

More: Bronze, Silver, Gold or Platinum Health Insurance

Catastrophic Plans: Good for Young People Who Don’t Often Need Healthcare

The ACA marketplace offers catastrophic health insurance to people under age 30 and those dealing with severe economic issues like homelessness. If you’re eligible for a catastrophic plan, you may like its low costs but beware of the high out-of-pocket costs.

One thing that makes catastrophic plans different from other health insurance policies is that they don’t have coinsurance. Instead, you pay an extremely high deductible when you receive care. Once you’ve paid that deductible, a catastrophic plan pays the rest of your in-network healthcare costs for the year.

We analyzed Affordable Care Act marketplace health insurance companies in Louisiana to determine the best options. Our ratings are based on:

• Average premiums (30% of score):  We calculated average premiums for health insurance companies that offer ACA plans in Louisiana. Averages were based on premiums for buyers ages 21, 27, 30, 40, 50 and 60. Source: HealthCare.gov.
• Complaints made to state insurance departments (30% of score): We used complaint data from the National Association of Insurance Commissioners.
• Average silver plan deductible (20% of score): The deductible is how much you have to pay for healthcare in a year before the health plan begins picking up a portion of the costs. Companies with health plans that had low deductibles got more points. Source: HealthCare.gov.
• Breadth of health plans (10% of score): Health insurance companies may offer up to four types of plan benefit designs (PPO, HMO, EPO and POS). We gave points to companies that offer more types of plans. Source: HealthCare.gov.
• Metal tier offerings (10% of score): The ACA marketplace has four metal tier levels. We gave points to companies that offered more tier options. Source: HealthCare.gov.

Read more: How Forbes Advisor Rates Health Insurance Companies