Health Insurance

Best Cheap Health Insurance in Louisiana 2022

Best Cheap Health Insurance in Louisiana 2022

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The cheapest health insurance in Louisiana for most people shopping for Silver plans is the Blue POS 80/60 $3400, as it is the most affordable option in 70% of the state's parishes. Shoppers may also find cheap coverage from Blue Connect 80/60 $3400 (N) or Precision Blue 80/60 $3400 (BR), although these plans each offer the cheapest rates in only five parishes in the state.

For 2022, the average monthly cost of a Silver health insurance plan in Louisiana is $728 for a 40-year-old.

Louisiana residents can find affordable health insurance plans on the federally facilitated state health insurance exchange or through Medicaid. But the best health insurance policy for you depends on where you live and the coverage you choose to fit your needs.

Cheapest health insurance by metal tier

Finding the best health plan with the coverage to fit your needs can be challenging, so we compared health insurance plans in Louisiana by metal tier in order to determine the most affordable policies available for each level of coverage. The insurers and policies below may not be available in your region, but you can use this information as a starting point to compare the costs and benefits you can expect from a given metal tier.

For example, the CHP LA Basic Silver - Two Free PCP Visits plan has a minimum monthly premium of $441 for a 40-year-old in Louisiana shopping for Silver coverage. This is $133 less than the monthly premium for the cheapest Gold plan. In exchange for this lower rate, you would have to pay more out of pocket — the Silver health plan's deductible, for instance, is $2,000 greater than that of the Gold plan.

Metal tier
Cheapest plan
Monthly cost
Maximum out-of-pocket
BronzeBlue POS 60/40 $6500$428$6,500$8,700
Bronze ExpandedCHP LA Bronze - Two Free PCP Visits$367$7,450$8,700
SilverCHP LA Basic Silver - Two Free PCP Visits$441$3,000$8,700
GoldBlue Connect Copay 80/60 $1000 (S)$574$1,000$8,700

Two factors that greatly affect your monthly health insurance premiums are metal tier and age. The metal tier, or coverage tier, affects how much money you pay out of pocket. You have lower deductibles, copays and coinsurance with higher tiers — but also higher monthly premiums.

And as your age increases, the monthly health insurance rates you would have to pay increase regardless of metal tier. For a Silver health care plan, a 40-year-old in Louisiana pays 28% more on average than a 21-year-old for the same level of coverage. A 60-year-old pays 112% more than a 40-year-old for the same health plan.

Cost of health insurance in Louisiana

Finding your best health insurance coverage in Louisiana

In Louisiana, the availability and costs of policies vary depending on the region in which you live. Higher metal tier health plans, like Gold plans, come with lower out-of-pocket expenses, like deductibles, copays and coinsurance, but they have higher monthly premiums. These plans can be good for those with chronic medical conditions that incur high medical costs or those who get sick often.

On the other hand, if you're young and healthy — and have the financial means to cover a higher portion of your medical costs in the event of an emergency — a lower metal tier health plan may be the better choice to lower your costs.

Gold plans: Best for high expected medical costs

Gold plans are considered higher metal tier health plans. These are most cost-effective for people with high expected medical costs. Although Gold plans have some of the highest monthly rates, they also cover the most out-of-pocket costs.

On average, you can expect a Gold plan to cover roughly 80% of your health care expenses, while you pay the other 20%.

Silver plans: Best for those with low incomes or average medical costs

Silver plans are a good middle ground — they usually have higher cost sharing than Gold and Platinum plans but lower monthly rates than Bronze and Expanded Bronze plans.

For instance, the average monthly cost of the CHP LA Basic Silver - Two Free PCP Visits health plan is $441 for a 40-year-old in Louisiana, and it has a deductible of $3,000. On the other hand, the Blue Connect Copay 80/60 $1000 (S) Gold plan has a lower deductible of $1,000 but a much higher average monthly rate of $574 for a 40-year-old.

Furthermore, lower-income households can qualify for cost-sharing reduction (CSR) subsidies that reduce out-of-pocket expenses for Silver health plans. Typical Silver plans cover about 70% of your health care costs, while you pay 30%. But with CSR subsidies, you could qualify for a Silver plan that covers up to 94% of your health care costs. Therefore, these health policies often offer the best-value coverage for low-income families.

Bronze and Expanded Bronze plans: Best for young, healthy people

Expanded Bronze plans and Bronze plans offer cheaper monthly premiums than higher metal tier plans at the expense of reduced coverage and higher out-of-pocket costs. These plans are the lowest tiers available on the state exchange and are best for those who don't have high medical costs or can afford to cover a larger portion of cost sharing.

On average, you can expect a Bronze plan to cover about 60% of your health costs, while you pay for the other 40%. Expanded Bronze plans increase coverage to about 65%, while you pay roughly 35%.


Louisiana expanded Medicaid for residents under the Affordable Care Act in 2016. If your income is less than 138% of the federal poverty level, you may qualify for Medicaid coverage in the state.

Health insurance rate changes in Louisiana

In Louisiana, health insurance providers adjust their plan premiums, deductibles and out-of-pocket maximums on a yearly basis.

In 2022, the cost of Bronze, Bronze Expanded and Silver health insurance plans rose by an average of 3%, while Gold plans increased by 2%. The average increase across all plan tiers was 2% from 2021 to 2022.

Metal tier
Change 2022 vs. 2021
Bronze Expanded$467$491$5033%

Premiums are for a 40-year-old adult.

Short-term health insurance in Louisiana

If you temporarily need a more affordable option for health insurance, then a short-term health insurance plan may make financial sense for you. These types of plans have lower monthly premiums but do not cover the essential benefits or preexisting conditions required by the Affordable Care Act.

In Louisiana, state regulations limit short-term health insurance plans to six months. This is different from federal regulations, which allow you to take out short-term health insurance policies for up to a year. Some insurance providers can offer longer short-term health insurance plans for durations of up to 12 months, but these plans have different restrictions for the coverage of preexisting conditions. The state follows federal guidelines for renewals, which are allowed for up to 36 months.

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Best cheap health insurance companies in Louisiana

There are currently four health insurance companies that operate in Louisiana:

  • CHRISTUS Health Plan Louisiana
  • HMO Louisiana Inc.
  • Louisiana Health Service & Indemnity Co.
  • Vantage Health Plan Inc.

Although the best policy differs in each parish, we recommend starting your search for the best cheap health insurance policy with HMO Louisiana, as it offers the most affordable Silver plan options in 57 parishes in the state.

Cheapest health insurance plan by parish

Louisiana is divided into parishes, which are similar to counties. The parish in which you live determines the availability of policies and their rates. For instance, the Signature Blue 80/60 $3400 plan costs $490 per month in Orleans Parish for a 40-year-old and is the cheapest plan in that parish, while a Blue POS 80/60 $3400 plan costs $557 in Caldwell Parish and is the most affordable for residents there.

To help you get started, we compared rates for every policy in Louisiana and identified the cheapest Silver health plan in each parish. The table below contains sample rates of these policies for a single adult, a couple and a family of three.

Cheapest plan
Age 40
Couple, age 40
Couple, age 40 & child
AcadiaBlue POS 80/60 $3400$557$1,114$1,447
AllenBlue POS 80/60 $3400$557$1,114$1,447
AscensionPrecision Blue 80/60 $3400 (BR)$541$1,081$1,405
AssumptionBlue POS 80/60 $3400$557$1,114$1,447
AvoyellesBlue POS 80/60 $3400$557$1,114$1,447
BeauregardBlue POS 80/60 $3400$557$1,114$1,447
BienvilleBlue POS 80/60 $3400$557$1,114$1,447
BossierCHP LA Basic Silver - Two Free PCP Visits$441$883$1,147
CaddoCHP LA Basic Silver - Two Free PCP Visits$441$883$1,147
CalcasieuCHP LA Silver HD - Two Free PCP Visits$517$1,034$1,343
CaldwellBlue POS 80/60 $3400$557$1,114$1,447
CameronBlue POS 80/60 $3400$557$1,114$1,447
Show All Rows

Average cost of health insurance by family size in Louisiana

If you're looking for insurance to cover your entire family, the cost of your monthly premium is determined based on your chosen health plan and the ages of your family members. For children under the age of 15, the monthly health insurance premium remains flat. Once a child turns 15, the cost of the monthly premium increases as they get older.

The average cost of a Silver health insurance policy for an adult couple in Louisiana is $1,455 per month, assuming it covers two 40-year-old adults. If you add a child, then the average monthly cost would increase by about $436, so a family of three would pay an average of $1,891 per month for medical insurance. By extension, the average cost for a family of four with two adults and two children would cost $2,326.

Family size
Average cost
Individual and child$1,163
Couple, age 40$1,455
Family of three (adult couple and a child)$1,891
Family of four (adult couple and two children)$2,326
Family of five (adult couple and three children)$2,762

Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Louisiana.


The 2022 health insurance premiums, deductibles and out-of-pocket maximums in this report were compiled from the Centers for Medicare & Medicaid Services government website. ValuePenguin used the website’s Public Use Files (PUF) to calculate averages by metal tier, parish and family size to better understand the health insurance exchange in Louisiana. Plans and providers for which parish-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this dataset may not appear.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.