Louisiana health insurance plans
How individual and family health coverage works in Louisiana, in plain language.
ACA Open Enrollment opens November 1st
Take a look at Louisiana plans, or go ahead and enroll yourself when it opens. Call if you need any help with your application.
Where Louisiana residents shop
Louisiana residents who buy their own coverage shop on HealthCare.gov (federal Marketplace) at www.healthcare.gov/louisiana/. That is also where income-based help with monthly premiums (premium tax credits) is applied. Enrollment follows the federal HealthCare.gov calendar.
Louisiana's Medicaid managed-care program carries its own brand name, Healthy Louisiana, distinct from the Louisiana Department of Health that administers it -- most member-facing materials lead with the Healthy Louisiana name rather than the word Medicaid directly.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within Louisiana, so your county matters. Find your parish.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
Call 1-888-342-6207 to reach Healthy Louisiana, run by the Louisiana Department of Health (LDH) -- the right starting point if your Louisiana Medicaid eligibility changed.
There's no Louisiana-run ACA exchange -- HealthCare.gov is where Louisiana marketplace shopping and subsidy questions get handled.
LaSHIP (Louisiana Senior Health Insurance Information Program), housed inside the Louisiana Department of Insurance at 1-800-259-5300, provides Medicare counseling to Louisiana residents at no cost, entirely separate from Louisiana Medical Insurance's own free phone help.
Questions
Where do I shop for ACA health plans in Louisiana?
Louisiana residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/louisiana/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Louisiana?
Medicaid in Louisiana is run through Healthy Louisiana (Louisiana Department of Health) (https://ldh.la.gov/healthy-louisiana). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Louisiana?
Louisiana Department of Insurance (LDI) (https://www.ldi.la.gov) regulates insurance companies and agents in Louisiana. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Louisiana?
Yes. LaSHIP (Louisiana Senior Health Insurance Information Program) (1-800-259-5300) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Louisiana Medical Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Questions about Louisiana health plans? Call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.