Best Medicare Advantage Plans in Louisiana (2027)

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Updated: November 5, 2026

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Best Medicare Advantage Companies in Louisiana

Humana is the best Medicare Advantage insurer in Louisiana for 2027 because it combines a low worst-case cost with the most plans and the highest quality rating. Worst-case cost, listed as maximum annual cost exposure, is a year of premiums plus the most the plan can charge you for in-network care.

Blue Cross and Blue Shield of Louisiana’s median worst-case cost is $5,237, $87 above Humana’s $5,150. Both sell plans in every parish, so get quotes from these two first.

A higher CMS star rating, Medicare’s 1-to-5 quality score, doesn’t guarantee lower costs. Aetna Medicare outrates Blue Cross, yet its median worst-case cost is $1,913 higher.

Humana
4.7
$5,150
4.5
64
24
Blue Cross and Blue Shield of Louisiana
4.3
$5,237
3.5
64
7
Aetna Medicare
4.1
$7,150
4
56
9
Peoples Health
4
$6,700
3.5
64
5
Wellcare
3.8
$7,500
3.5
48
6

Louisiana Medicare Advantage Market Overview

Most Louisiana Medicare Advantage plans charge no premium for 2027, so they compete on what you pay when you use care. Medicare Advantage is private coverage that replaces Original Medicare, the federal program for hospital stays and doctor visits. Each plan sets an out-of-pocket limit, the most you’d pay for in-network care in a year.

Some enrollees keep Original Medicare and add a Medicare Supplement plan, a private policy covering most of the deductibles and copays Medicare leaves to you. Devoted Health sells Medicare Advantage plans in Louisiana but isn’t rated, because Medicare hasn’t published quality or member survey scores for it yet. CMS data calls Louisiana’s parishes counties.

Non-SNP Medicare Advantage plans

60

Louisiana’s Medicare Advantage market has 60 plans across six carriers, excluding Special Needs Plans, which limit enrollment to people with specific health or financial situations. Your parish determines which plans you can buy, so check what’s sold at your address.

Carriers
6

Six carriers sell Medicare Advantage plans in Louisiana, and each sets its own doctor network and drug list, so compare the carriers sold in your parish.

CMS contracts
12

Louisiana has 12 CMS contracts, the agreements each insurer signs with Medicare, across six carriers. CMS rates each contract separately, so check the star rating for the contract your plan falls under.

Median plans per parish
23

The median Louisiana parish has 23 Medicare Advantage plans. Check which ones are sold at your address before comparing out-of-pocket limits and star ratings.

Plans with $0 premium
90%

Nine in 10 Louisiana Medicare Advantage plans carry no monthly premium. The rest charge one, so check the premium before you enroll.

Median out-of-pocket limit (MOOP)

$6,700

Half of Louisiana plans cap yearly in-network costs at $6,700 or less.

Out-of-pocket limit range

$2,875–$9,850

Louisiana’s out-of-pocket limits range from $2,875 to $9,850, so your plan choice can move your worst-case in-network bill by $6,975.

Average star rating

4.0

Louisiana’s 4.0 average matches CMS’s 4-star mark for above-average quality, but individual contracts range from 3.5 to 4.5 stars.

Contracts rated 4+ stars
42%

Five of Louisiana’s 12 contracts reach 4 stars or higher, so a well-rated insurer can still sell plans under a lower-rated contract.

Humana

Humana

MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.5/5Quality & Member Experience
4.5/5Benefits & Access

  • Median Max Annual Cost Exposure

    $5,150

  • Median CMS Star Rating

    4.5

  • Counties Served

    64

  • Plans Available

    24
Blue Cross and Blue Shield of Louisiana

Blue Cross and Blue Shield of Louisiana

MoneyGeek Rating
4.3/ 5
4.7/5Affordability
3.9/5Quality & Member Experience
4.3/5Benefits & Access

  • Median Max Annual Cost Exposure

    $5,237

  • Median CMS Star Rating

    3.5

  • Counties Served

    64

  • Plans Available

    7
Aetna Medicare

Aetna Medicare

MoneyGeek Rating
4.1/ 5
4/5Affordability
4.1/5Quality & Member Experience
4.2/5Benefits & Access

  • Median Max Annual Cost Exposure

    $7,150

  • Median CMS Star Rating

    4

  • Counties Served

    56

  • Plans Available

    9
Peoples Health

Peoples Health

MoneyGeek Rating
4/ 5
3.9/5Affordability
3.8/5Quality & Member Experience
4.5/5Benefits & Access

  • Median Max Annual Cost Exposure

    $6,700

  • Median CMS Star Rating

    3.5

  • Counties Served

    64

  • Plans Available

    5
WellCare

WellCare

MoneyGeek Rating
3.8/ 5
3.7/5Affordability
3.8/5Quality & Member Experience
4.1/5Benefits & Access

  • Median Max Annual Cost Exposure

    $7,500

  • Median CMS Star Rating

    3.5

  • Counties Served

    48

  • Plans Available

    6

How to Choose the Best Louisiana Medicare Advantage Plan

Your doctors, prescriptions and expected hospital use decide which Louisiana Medicare Advantage plan costs you least for 2027.

  1. 1
    Confirm Your Doctors and Hospitals Are In-Network

    Contact your providers directly to confirm they’re in-network for your specific plan. Each plan from the same insurer can have a different provider network.

  2. 2
    Compare Total Costs Beyond Premiums

    A $0-premium plan may carry higher copays and deductibles. Nine in 10 Louisiana plans charge no premium for 2027, so factor in expected medication costs and specialist visits when comparing what each plan would cost you in a year.

  3. 3
    Check Prescription Drug Coverage

    Look up each medication on the plan’s drug formulary, its list of covered drugs, and note the tier, the price group that sets your copay. Some drugs also need advance approval from the insurer before the plan covers them.

  4. 4
    Compare Different Plan Types

    HMOs have the lowest out-of-pocket limits in Louisiana, a $4,800 median for 2027, with care coordinated through a primary doctor. HMO-POS plans add limited out-of-network access at a $6,700 median limit. PPOs have the highest median limit at $6,900 but cover out-of-network specialists and care while you travel.

  5. 5
    Review Star Ratings and Quality Metrics

    CMS star ratings measure care quality, customer service and member satisfaction on a 1 to 5 scale. Plans rated 4 stars or higher perform above average, and five of Louisiana’s 12 Medicare Advantage contracts reach that level for 2027.

  6. 6
    Compare Extra Benefits

    Every Louisiana Medicare Advantage plan includes vision and hearing coverage for 2027, and 58 of 60 include dental. Allowances differ by plan, so match each plan’s dental maximum and hearing aid coverage to the care you expect to use.

  7. 7
    Check Out-of-Pocket Maximums

    The out-of-pocket maximum is the most you’ll pay for covered in-network care in a year. Louisiana limits range from $2,875 to $9,850 for 2027, and the four plans with the lowest limits all charge no premium.

How Much Does Medicare Advantage Cost in Louisiana?

Most Louisiana Medicare Advantage plans charge no monthly premium for 2027, so your costs come from copays up to the plan’s out-of-pocket limit. HMOs have median limits $2,100 lower than PPOs, which matters most in a year with a hospital stay.

HMO-POS plans add some out-of-network coverage but give up most of the HMO savings. Their median limit is $6,700, and their daily hospital copay is the highest of any plan type.

Pick an HMO if your doctors are in its network. If you need outside doctors, a PPO covers them more broadly, with a median limit $200 above an HMO-POS plan’s.

Median Monthly Premium
$0
$0
$0
$29

Median Out-of-Pocket Limit

$4,800
$6,700
$6,900
$6,400

Median Inpatient Copay (per Day)

$195
$350
$300
N/A
Median PCP Copay
$15
$15
$15
$15
Median Specialist Copay
$25
$35
$35
$30

*Median cost figures across all 60 Louisiana Medicare Advantage plans, excluding Special Needs Plans, grouped by plan type. All dollar figures rounded to the nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

Louisiana Medicare Advantage Resources

Louisiana residents can use these state and federal resources to compare Medicare Advantage plans, get free personalized counseling and find help paying Medicare costs.

  • Louisiana Department of Insurance: Takes insurance complaints and regulates the carriers selling Medicare Advantage plans in Louisiana.
  • Louisiana Senior Health Information Program (LaSHIP): Offers free, one-on-one counseling from trained volunteers to help Louisiana residents compare 2027 Medicare Advantage plans, review enrollment periods and understand coverage rights.
  • Medicare.gov Plan Finder: Lets you search plans by ZIP code and compare annual costs, CMS star ratings, drug formularies and supplemental benefits side by side.
  • Louisiana Medicaid Medicare Savings Programs: Pays Part B premiums for Louisiana residents with monthly income up to $1,816, or $2,455 for married couples, and savings up to $9,950, or $14,910 for couples. These 2026 federal limits apply to 2027 coverage. Residents with income up to $1,350 a month also get help with Medicare copays and deductibles.
Compare Medicare Advantage Rates

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Frequently Asked Questions

Our Methodology

MoneyGeek’s Louisiana Medicare Advantage ratings for 2027 draw on 60 plans across six carriers, 12 CMS contracts and 64 parishes. Five CMS datasets underlie the analysis: the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.

All ratings exclude Special Needs Plans, which limit enrollment to people with specific health or financial situations. CMS data lists Louisiana’s 64 parishes as counties, and this page treats the two terms the same. The minimum threshold for scoring is four parishes, or 5% of the state. All six carriers in the state clear that mark.

How We Score Carriers

Five carriers earn a MoneyGeek score out of five. Each score uses medians across the carrier’s Louisiana plans, excluding Special Needs Plans. CMS Star Ratings and CAHPS scores are weighted by the number of plans under each contract. Three categories make up the score:

  • Affordability (40%): This category covers four cost measures: maximum annual cost exposure, which combines annual premiums with the maximum out-of-pocket limit (weighted at 20%), inpatient hospital costs (10%), specialist costs (6%) and primary care costs (4%).
  • Quality and Member Experience (40%): Both inputs come from contract-level data: CMS Star Ratings at 60% of the category weight and CAHPS Rating of Health Plan scores, members’ 0-to-100 rating of their plan in Medicare’s annual Consumer Assessment of Healthcare Providers and Systems survey, at 40%.
  • Benefits and Access (20%): Supplemental dental, OTC, vision and hearing benefits represent 50% of this category, parish coverage 30% and plan choice per parish 20%.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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