Louisiana residents can secure the cheapest health insurance through HMO Louisiana at $646 monthly, while Ambetter follows at $678 monthly.
Cheapest Health Insurance in Louisiana (2026)
Updated: December 22, 2025
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Key Takeaways
The most affordable health insurance options in Louisiana come from HMO Louisiana at $646 monthly, Ambetter at $678 and Blue Cross Blue Shield at $1,016.
✓ Blue Cross Blue Shield dominates as the top choice for most Louisiana residents across PPO plans and coverage with Health Savings Account eligibility, while other insurers lead in different plan categories.
Cheapest Health Insurance Providers in Louisiana
| Hmo Louisiana | $646 | $115 | $7,752 | $1,380 |
| Ambetter | $678 | $83 | $8,136 | $996 |
| AmeriHealth | $681 | $80 | $8,172 | $960 |
| Christus Health Plan | $682 | $79 | $8,184 | $948 |
| Blue Cross Blue Shield | $1,016 | $255 | $12,192 | $3,060 |
*Average monthly costs represent the mean of all plan rates for each provider, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
HMO Louisiana
MoneyGeek Rating
4.5/ 5
5/5Affordability
2.5/5Deductible
5/5MOOP
Average Monthly Rate
$646Average MOOP
$6,562Average Deductible
$3,536
Most Affordable Louisiana Health Insurance by Category
When searching for the best health insurance provider, your personal rate depends on age, plan type and metal tier selection. Consider how monthly premiums balance against deductibles and out-of-pocket limits.
In Louisiana, Christus Health Plan provides the most affordable rates across most demographics.
| Children | Christus Health Plan | $366 | $4,387 | $4,781 | $3,533 |
| Teens | Christus Health Plan | $436 | $5,235 | $4,781 | $3,533 |
| Young Adults | Christus Health Plan | $489 | $5,872 | $4,781 | $3,533 |
| Adults | Christus Health Plan | $611 | $7,329 | $4,781 | $3,533 |
| HMO | Christus Health Plan | $611 | $7,329 | $4,781 | $3,533 |
| EPO | Ambetter | $620 | $7,444 | $5,504 | $3,268 |
| POS | Hmo Louisiana | $676 | $8,114 | $5,746 | $2,450 |
| PPO | Blue Cross Blue Shield | $1,049 | $12,591 | $5,079 | $2,119 |
| With Health Savings Account Eligibility | Blue Cross Blue Shield | $1,060 | $12,718 | $8,233 | $3,150 |
| Seniors | Christus Health Plan | $1,297 | $15,563 | $4,781 | $3,533 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
Most Affordable Louisiana Health Insurance by Metal Level
For 40-year-olds in Louisiana, HMO Louisiana provides the most affordable Bronze plans at $466 monthly, while Christus Health Plan leads Expanded Bronze at $489 and Silver coverage at $611 per month.
Gold plans from HMO Louisiana cost $702 monthly with a $1,500 deductible. There are no Platinum tier plans available in Louisiana.
| Bronze | Hmo Louisiana | $466 | $5,588 | $7,950 | $6,915 |
| Expanded Bronze | Christus Health Plan | $489 | $5,872 | $7,635 | $6,540 |
| Silver | Christus Health Plan | $611 | $7,329 | $4,781 | $3,533 |
| Gold | Hmo Louisiana | $702 | $8,424 | $6,330 | $1,500 |
Using comprehensive Louisiana data, we've identified plans that match your budget and situation.
Cheap Louisiana Health Insurance: Personalized Picks
We've collected statewide data for Louisiana to help you filter options based on your unique situation and budget.
Data filtered by:
HMO
Silver
40
No
| Christus Health Plan | Christus Value Silver | $542 | HMO | Silver | $3,339 | $3,339 | 40 | No |
| Christus Health Plan | Christus Value Silver Plus | $562 | HMO | Silver | $3,339 | $3,339 | 40 | No |
| Christus Health Plan | Christus Standard Silver | $640 | HMO | Silver | $5,686 | $3,100 | 40 | No |
| Christus Health Plan | Christus Silver Essential | $645 | HMO | Silver | $5,771 | $3,943 | 40 | No |
| Christus Health Plan | Christus Silver Essential Plus | $664 | HMO | Silver | $5,771 | $3,943 | 40 | No |
| AmeriHealth | Amerihealth Caritas Next Silver Essential + No Referrals | $703 | HMO | Silver | $5,686 | $3,257 | 40 | No |
| AmeriHealth | Amerihealth Caritas Next Silver Signature + No Referrals | $707 | HMO | Silver | $5,686 | $3,100 | 40 | No |
| AmeriHealth | Amerihealth Caritas Next Silver Premier + No Referrals | $739 | HMO | Silver | $6,321 | $214 | 40 | No |
How to Get Cheap Health Insurance in Louisiana
The following tips will help you find affordable coverage.
- 1Look Beyond the Cheapest Plans
Don't automatically pick the lowest-premium Bronze plan. Silver and Gold options often deliver better value when you factor in their lower deductibles and reduced out-of-pocket maximums. If you visit doctors regularly or take medications, these mid-tier plans can save you hundreds.
- 2Assess Your Medical Spending
Review last year's health care expenses to guide your choice. If you spent $800 on three doctor visits and prescription refills, a high-deductible plan with a $7,000 deductible could save you $120 monthly versus a Gold plan.
- 3Explore HMO Options
HMO plans in Louisiana cost less than PPO alternatives. While you must use network providers and get referrals for specialists, the monthly savings can reach $200 or more. This makes HMOs smart choices if you're comfortable with the network limitations.
- 4Verify Subsidy Eligibility
Premium tax credits through the Health Insurance Marketplace can slash your monthly payments based on household income. Families earning up to $100,000 may qualify for assistance, so check your eligibility before buying any plan to avoid overpaying unnecessarily.
- 5Time Your Purchase Right
Open enrollment delivers the best plan selection and lowest rates. Missing this window forces you to wait until next year unless you experience a qualified life event like marriage or job loss. Mark your calendar and shop early to secure the best coverage.
- 6Research Provider Networks
Confirm your doctors and preferred hospitals accept your chosen plan before enrolling. Louisiana insurers maintain different networks, and switching plans mid-year is difficult. Call your doctor's office directly to verify acceptance.
Cheapest Health Insurance in Louisiana: Bottom Line
For Louisiana residents, the most affordable insurance option is through HMO Louisiana, at $646 per month. You can find the best rate by looking at multiple plan types and metal levels from several companies.
Affordable Health Insurance in Louisiana: FAQ
Find answers to the most common health insurance questions for Louisiana residents:
How do I get cheap health insurance in Louisiana?
Start by shopping during open enrollment to compare plans from companies such as HMO Louisiana, Ambetter, and AmeriHealth. Consider HMO plans for lower rates and check if you qualify for premium tax credits through the Health Insurance Marketplace. Balance monthly premiums against deductibles based on your expected health care needs.
How much does health insurance cost in Louisiana?
Louisiana health insurance averages $719 monthly or $8,634 annually across all plan types and metal levels. Monthly premiums span from $250 to $2,253 varying by age, chosen coverage tier and plan type.
Does Louisiana require health insurance?
Louisiana does not require residents to have health insurance. Since the federal individual mandate penalty was eliminated in 2019, you won't face tax penalties for going uninsured. However, without coverage, you'll pay all medical costs out-of-pocket and can only enroll during Open Enrollment periods unless you qualify for special enrollment.
Our Methodology
We gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. Our cheapest overall rankings focus on 40-year-olds' monthly premiums since this age group is the most common demographically and provides a clear comparison.
Age-specific rankings reflect their respective premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.