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: January 29, 2026
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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
Among 40-year-olds in Louisiana, HMO Louisiana has the cheapest Bronze plan rates at $466 monthly, while Christus Health Plan offers the lowest Expanded Bronze at $489 and Silver at $611 per month. HMO Louisiana's Gold coverage runs $702 monthly with a $1,500 deductible. Platinum plans aren't 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 collected statewide Louisiana data to help you compare options that match your budget and specific needs.
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 methods will help you secure coverage you can afford.
- 1Look Beyond the Cheapest Plans
Avoid choosing a Bronze plan based only on the monthly premium. Silver and Gold plans often cost less overall once you factor in lower deductibles and out-of-pocket limits. If you see doctors regularly or fill prescriptions, mid-tier plans can reduce total yearly costs.
- 2Assess Your Medical Spending
Use last year’s health expenses as a reference point. For example, spending $800 on office visits and prescriptions may make a high-deductible plan less appealing, even if the premium is lower. Compare how different deductibles and copays affect your real costs.
- 3Explore HMO Options
HMO plans in Louisiana usually cost less than PPO options. These plans require in-network care and referrals for specialists, but the monthly savings can add up. HMOs work well if your doctors are already in the network and you do not need frequent specialist access.
- 4Verify Subsidy Eligibility
Premium tax credits through the Health Insurance Marketplace lower monthly premiums based on household income. Many families earning up to $100,000 qualify for assistance, making it worth checking eligibility before choosing a plan.
- 5Time Your Purchase Right
Open enrollment offers the widest plan selection and better pricing. Missing it means waiting until next year unless a qualifying life event occurs, such as marriage, a move or job loss. Set reminders so you can review options early.
- 6Research Provider Networks
Check that your doctors and hospitals accept the plan before enrolling. Louisiana insurers use different provider networks, and switching plans mid-year is limited. A quick call to your provider’s office can prevent coverage surprises later.
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.