Best Louisiana Health Insurance (2024 Plans)

Ambetter provides the best health insurance in Louisiana with a MoneyGeek score of 82.44 out of 100. Ambetter offers plan options with good prices, low out-of-pocket costs and better than average claims management.

For this analysis, we looked at 32 health insurance plans, including Silver Exclusive Provider Organization (EPO), Health Maintenance Organization (HMO), Point of Service (POS) and Preferred Provider Organization (PPO) plans in Louisiana.

Ambetter has the best health insurance in Louisiana for low out-of-pocket costs with a MoneyGeek score of 82 out of 100. Ambetter provides plans with very competitive rates and keeps out-of-pocket costs low.

It also has better than average claim denial rates, meaning it doesn't say 'no' to covering care as often as some other insurance companies might. To figure out who was the best, we looked at a bunch of different health insurance plans. We checked out 11 Gold EPO plans, 3 Gold HMO plans, 9 Gold POS plans and 2 Gold PPO plans from Louisiana.

Ambetter is the best cheap health insurance provider in Louisiana, earning a score of 90 out of 100. Ambetter provides plans that have a lower than average rate, low out-of-pocket expenses and denies fewer claims than most.

We evaluated 32 Silver plans in Louisiana. This included 13 Silver EPO plans, 3 Silver HMO plans, 13 Silver POS plans and 3 Silver PPO plans. MoneyGeek gave more weight to plans with lower monthly premiums, but it's important to note that usually, plans with lower premiums have higher out-of-pocket costs.

Ambetter offers the best health insurance in Louisiana for those with low income, scoring 90 out of 100. Ambetter provides plans with low premiums, minimal out-of-pocket costs and fewer claim denials than most. For this analysis, we looked at 13 Silver CSR EPO plans, 3 HMO plans, 13 POS plans and 3 PPO plans in Louisiana.

We gave more importance to plans with low monthly premiums that include cost-sharing reductions. These reductions lower how much you spend on health care if you don’t make a lot of money. This means you get to save money each month without having to pay a lot when you need health care. A normal Silver plan usually pays for about 70% of your health needs, but with a CSR Silver plan, you could get more covered:

• If you earn between $27,180 and $33,975 a year, you could have 73% of your health costs covered.
• If you make $20,385 to $27,180 a year, you can expect 87% of costs covered.
• If you make less than $20,385 a year, you can expect to have 94% of costs covered.

These levels change if more people live in your house.

Ambetter provides the best health insurance in Louisiana for young adults with a MoneyGeek score of 70 out of 100. Ambetter has lower out-of-pocket costs and doesn't deny claims as much as some other health insurance companies. Only young adults under 30 can get Catastrophic plans which usually cost less each month but you might pay more when you need care.

For Louisiana, we looked at 1 Bronze EPO plan, 1 Bronze POS plan, 2 Bronze PPO plans, 9 Expanded Bronze EPO plans, 3 Expanded Bronze HMO plans, 8 Expanded Bronze POS plans and 2 Expanded Bronze PPO plans.

Health insurance companies give you different plans to pick from. The best providers for all plan categories in Louisiana are:

• EPO: Ambetter (MoneyGeek score: 100 out of 100)
• POS: Blue Cross Blue Shield (MoneyGeek score: 100 out of 100)
• PPO: Blue Cross Blue Shield (MoneyGeek score: 100 out of 100)
• HMO: Christus Health (MoneyGeek score: 100 out of 100)

MoneyGeek's recommendations are based only on Silver plans. These plans work well for people who see the doctor sometimes. They help balance how much you pay every month with the costs you pay when you go to the doctor or hospital.

Louisiana has lots of options for Silver plans. There are 13 Silver EPO plans, 3 Silver HMO plans, 13 Silver POS plans and 3 Silver PPO plans you can choose from.

With a MoneyGeek score of 95 out of 100, National General Accident & Health is rated as the best short-term health insurance company in Louisiana.

Unlike plans that comply with the Affordable Care Act (ACA), short-term health insurance plans don’t include all the necessary health benefits. Because of this, it is not recommended as a permanent health insurance solution.

Your budget and medical needs — including how much you're willing to spend each month versus when you receive care — will determine which health insurance provider in Louisiana is right for you. The following pointers can be useful when planning to get health insurance.

Those age 65 or older, as well as individuals with a qualifying disability or sickness, may be eligible for Medicare. This is a federal health insurance program that subsidizes medical care for eligible individuals.

Medicare consists of three parts:

• Part A (Hospital Insurance): Covers hospitalizations, certain home health care services, nursing institutions and hospice care.
• Part B (Medical Insurance): Covers outpatient services such as doctor visits and preventive care.
• Part D (Prescription drug coverage): Assists with the expense of prescription medications.

In addition, you can review the best Medicare Advantage and Medicare Supplement plans in Louisiana to find a plan with sufficient coverage for your needs.

Medicaid, another federal program, offers health coverage to people with incomes below a state-determined level. Louisiana is among the states that have expanded Medicaid coverage. In Louisiana, if your household income is at or below 138% of the FPL for your household size, you may qualify for Medicaid.

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.