Health Insurance

Best Cheap Health Insurance in Louisiana 2021

Best Cheap Health Insurance in Louisiana 2021

For 2021, the average monthly cost of health insurance in Louisiana is $629 for a 40-year-old — 5% greater than the cost of coverage in 2020.

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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 was the most affordable option in 58% of the state's parishes. Shoppers may also find cheap coverage from Blue Connect 80/60 $3400 (L) or Blue Connect 80/60 $3400 (N), though these plans are the cheapest options in only 15% of parishes.

Louisiana residents can find affordable health insurance plans on the federally run 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 $407 for a 40-year-old in Louisiana shopping for Silver coverage. This is $134 less than the minimum monthly premium on a 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 $2,050 greater than that of the Gold plan.

Metal tier
Cheapest plan
Maximum out-of-pocket
Monthly cost for a 40-year-old
BronzeBlue POS 60/40 $6500$6,500$8,550$408
Expanded BronzeCHP LA Bronze - Two Free PCP Visits$8,200$8,550$338
SilverCHP LA Basic Silver - Two Free PCP Visits$3,150$8,550$407
GoldCHP LA Gold - Two Free PCP Visits$1,100$8,350$541
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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. A 40-year-old, for instance, would pay 28% more for a cheaper health insurance rate than a 21-year-old for all metal tier plans in Louisiana. This translates to $107 per month in savings with a Bronze plan, or $154 per month with a Silver health plan.

Finding your best health insurance coverage in Louisiana

In Louisiana, the availability and costs of policies will 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 Silver health plan is $407 for a 40-year-old in Louisiana, and it has a deductible of $3,150. On the other hand, the CHP LA Gold - Two Free PCP Visits Gold plan has a lower deductible of $1,100 but a much higher average monthly rate of $585 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 2021, the cost of Silver health insurance plans rose the most on average compared to other metal tiers. Silver plans rose by 9%, while all metal tiers increased by an average of 6%. Bronze plans increased only 3%, the least among other tiers.

Metal tier
2020 Premium
2021 Premium
% Change
Expanded Bronze$467$4915%

Premiums are for a 40-year-old adult.

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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.

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 does follow federal guidelines for renewals, which are allowed for up to 36 months.

Find Cheap Health Insurance Quotes in Your Area

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Best cheap health insurance companies in Louisiana

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

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

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 in every parish.

Cheapest health insurance plan by parish

The parish in which you live determines the availability of policies and their rates. The Blue POS 80/60 plan, for instance, costs $475 per month in Orleans Parish for a 40-year-old, while the same plan costs $575 in Caldwell Parish.

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 Connect 80/60 $3400 (L)$530$1,059$1,376
AllenBlue POS 80/60 $3400$563$1,126$1,464
AscensionPrecision Blue 80/60 $3400$502$1,005$1,305
AssumptionBlue POS 80/60 $3400$528$1,056$1,372
AvoyellesBlue POS 80/60 $3400$575$1,151$1,495
BeauregardBlue POS 80/60 $3400$563$1,126$1,464
BienvilleBlue POS 80/60 $3400$546$1,093$1,420
BossierCHP LA Basic Silver - Two Free PCP Visits$407$814$1,057
CaddoCHP LA Basic Silver - Two Free PCP Visits$407$814$1,057
CalcasieuCHP LA Silver HD - Two Free PCP Visits$477$953$1,238
CaldwellBlue POS 80/60 $3400$575$1,151$1,495
CameronBlue POS 80/60 $3400$563$1,126$1,464
Show All Rows
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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 will be 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 will increase as they get older.

The average cost of a Silver health insurance policy for an adult couple in Louisiana is $1,416 per month, assuming it covers two 40-year-old adults. If you add a child, then the average monthly cost would increase by about $424, so a family of three would pay an average of $1,840 per month for medical insurance. By extension, the average cost for a family of four with two adults and two children would cost $2,263.

Family size
Average monthly cost of health plan
Individual + child$1,132
Couple, age 40$1,416
Family of three (adult couple and a child)$1,840
Family of four (adult couple and two children)$2,263
Family of five (adult couple and three children)$2,687

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

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The 2021 health insurance premiums, deductibles and out-of-pocket maximums in this report were compiled from the Centers for Medicaid & Medicare 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.

Sterling Price

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

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.