Ambetter provides Louisiana's cheapest overall health insurance with an average monthly premium of $391. Availability can vary, so check out UnitedHealthcare and Blue Cross Blue Shield for affordable health plans.
Most Affordable Health Insurance in Louisiana
Ambetter, UnitedHealthcare and Blue Cross Blue Shield offer the cheapest health insurance plans in Louisiana, starting at $391 per month.

Updated: June 24, 2025
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Key Takeaways
Ambetter offers Louisiana's cheapest health insurance, with an average monthly savings of $304 compared to the state average.
Blue Cross Blue Shield offers top-rated full coverage Gold plans, with affordable pricing starting at $510 monthly.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Louisiana
Ambetter | $391 | $304 |
UnitedHealthcare | $402 | $293 |
Blue Cross Blue Shield | $490 | $205 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Louisiana Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Louisiana, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: Blue Cross Blue Shield ($367 monthly)
- Cheapest for Seniors: Blue Cross Blue Shield ($974 monthly)
- Cheapest Expanded Bronze Plan: Blue Cross Blue Shield ($369 monthly)
- Cheapest Bronze Plan: Blue Cross Blue Shield ($418 monthly)
- Cheapest Silver Plan: Blue Cross Blue Shield ($459 monthly)
- Cheapest Gold Plan: Blue Cross Blue Shield ($510 monthly)
While these are a good measure of the most affordable plans, they represent only the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. Below, is a filterable table you can modify by plan tier and age to find your lowest rate match.
Blue Cross Blue Shield | Blue Connect 80/60 $3200 (S) | $459 | $170 | $7,700 |
How to Find the Cheapest Health Insurance in Louisiana
Follow these steps to find affordable health insurance in Louisiana:
- 1
Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment is from November 1 to January 15, though Special Enrollment may be available if you've experienced major life changes like job loss, divorce or childbirth. When comparing plans, consider coverage types, customer ratings, costs and network availability with your trusted medical providers.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Louisiana: Bottom Line
Ambetter, Blue Cross Blue Shield and UnitedHealthcare are the cheapest health insurance providers in Louisiana. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Louisiana Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Louisiana:
What is the cheapest health insurance in Louisiana?
Ambetter offers the cheapest health insurance in Louisiana, with Silver plans starting at $391 for 40-year-olds. While considering your specific needs and income, explore Blue Cross Blue Shield, UnitedHealthcare and others.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Louisiana
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Louisiana based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.