Cheap Health Insurance In Louisiana - Healthy Louisiana Navigators are federally certified public health professionals licensed by the Louisiana Department of Insurance. Their role is to serve as personal assistants to those seeking information and assistance in enrolling in affordable health insurance through the federal marketplace. Our navigators cover the entire state with assistance available in Bossier City, Monroe, Natchitoches, Alexandria, Lake Charles, Lafayette, Baton Rouge, Hammond, New Orleans and beyond. Navigators are also mobile and have secured locations in rural communities, such as libraries and health facilities, to serve consumers who have difficulty getting outside of their communities.
Navigators provides free in-person and remote computer assistance to consumers across the state to understand and apply for health coverage through the federal marketplace and learn how to use health coverage to get the care they need.
Cheap Health Insurance In Louisiana
For questions or assistance with enrollment, contact the Health Insurance Navigator at 1-800-435-2432 or by email here.
Health Insurance In Louisiana: Find Affordable Coverage
The Navigators for a Healthy Louisiana program is supported by the US Department of Health (HHS) Centers for Health and Human Services (CMS) as part of a grant totaling $1,263,570 with 100% funding from CMS/HHS. The content is the author(s) and does not necessarily represent the official views or endorsement of CMS/HHS or the US Government. New Orleans, Baton Rouge, Lafayette and beyond. Apply now during open enrollment (through January 15th in Louisiana).
Short-term health insurance plans in Louisiana may follow federal time limits. This means plans can have an initial duration of up to 364 days and a total duration, including renewals, of up to three years. However, some insurers limit their plans to shorter terms and do not offer renewal.
Louisiana implemented an expansion of Medicaid coverage in June 2016. Read more about Medicaid expansion in Louisiana.
At the beginning of 2022, there are 898,000 Medicare beneficiaries in Louisiana. Learn about Medicare plans in Louisiana, including state rules for companies that provide Medigap plans.
Benefits Of Louisiana's Medicaid Expansion Evident In New Census Data
Protect yourself from the rising costs of dental procedures. Compare plan options to see premiums and deductibles that fit your budget.
Louisiana operates a federally supported health insurance marketplace, so residents use HealthCare.gov to apply for exchange plans. Learn more about the Louisiana health insurance market.
Open enrollment for individual/family health insurance is November 1st through January 15th in Louisiana. In addition to open enrollment, a qualifying event is usually required to enroll or make changes to your coverage. For more information, see our Special Enrollment Periods guide.
As of 2022, there are six insurance companies in Louisiana that offer exchange plans. The most recent additions are Louisiana Healthcare Connections' Ambetter and UnitedHealthcare, which will join the exchange in 2022. (UnitedHealthcare previously offered coverage on the Louisiana exchange in 2015 and 2016, but did not participate from 2017 to 2021.)
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The following insurers are offering plans on the Louisiana Stock Exchange for 2022, with plan availability varying by location:
Insurers in Louisiana implemented a weighted average increase of about 4.75% for 2022. This followed an overall average rate increase of about 6.9% in 2021. It was one of the largest average rate increases nationwide in 2021 and an 11.7% rate increase in 2020 came shortly after the average increase; Louisiana was one of three states to average double-digit increases that year.
However, by early 2022, nearly 93% of enrollees in the Louisiana marketplace are receiving premium subsidies. The US rescue plan increased the size of the premium grants for 2021 and 2022 and made the grants more widely available. So, while median full-cost premiums increased in Louisiana in both years, most enrollees likely found their coverage more affordable thanks to improved subsidies.
During the open enrollment period for coverage in 2022, 99,626 people applied for plans through the Louisiana exchange. A year earlier, there were only 83,159 people, which was a record low. Enrollment in 2022 was the highest since 2018, with the increase in enrollment largely due to better affordability created by the US bailout.
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Louisiana expanded Medicaid eligibility in mid-2016, resulting in significant numbers of low-income people — many of whom were enrolled in highly subsidized private plans through the exchange — becoming eligible for Medicaid and dropping out of their private coverage. (In many other states, the Medicaid expansion took effect in 2014 at the same time that exchange enrollment was initially available, so the enrollment changes that occurred in Louisiana from 2016-2018 did not occur in those states.)
The ACA's Consumer Owned and Operated Plan (CO-OP) program was created to promote competition in the marketplace through consumer nonprofit health insurance companies. Twenty-four CO-OPs raised a total of $2.09 billion in loans as of January 2014, but most failed in their first years, and only three are still operational as of 2022.
Louisiana Health Cooperative received an initial loan of $65.8 million. Louisiana Health Cooperative competed with Blue Cross and Blue Shield of Louisiana, Vantage Health Plan and Humana during open enrollment in 2014, but struggled with its enrollment goals.
On July 24, 2015, Louisiana CO-OP announced that it would continue to cover enrollees through the end of the year, but would not sell plans in 2016. People enrolled in Louisiana Health Cooperative plans in 2015 had to switch to plans offered by other insurance companies for 2016.
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Louisiana's uninsured rate dropped from 16.6% in 2013 to 10.3% in 2016, but was still above the national average of 8.6% at the time. But when the Medicaid expansion went into effect in mid-2016, Louisiana's uninsured rate dropped to 8 in 2018 — below the national average of 8.9%. It rose to 8.9% in 2019, but the national average also rose to 9.2% (the national uninsured rate rose during the Trump administration).
For those who purchased health insurance in Louisiana, the ACA helped make coverage more affordable. Of those enrolled in plans through the Louisiana exchange in 2022, nearly 93% received premium subsidies and 46% received cost-sharing reductions.
And expanding Medicaid, a cornerstone of the ACA, has helped hundreds of thousands of low-income Louisianans get life-saving coverage and treatment: 732,243 people were enrolled in expanded Medicaid in May 2020, and nearly three-quarters saw a doctor at least once during the year.
Louisiana's Senate delegation is currently all Republican — Bill Cassidy and John Kennedy, who oppose the ACA. Cassidy, in particular, played a key role in the 2017 failed GOP effort to repeal the ACA. In the House of Representatives, Louisiana has only one Democrat (Cedric Richmond) who supports the ACA.
Louisiana Health Plans
At the state level, the Louisiana Legislature is dominated by Republicans, and the ACA has not gained traction. Although legislation to create a state-owned health insurance market was considered, it was not enacted.
Former Gov. Bobby Jindal, whose term ended in January 2016, strongly opposed the Affordable Care Act. He returned a $1 million federal planning grant to enter the state-run insurance market, defaulted on the federally supported market, and rejected Medicaid expansion.
Governor Jindal was replaced in 2016 by John Bel Edwards, a Democrat who supports the ACA. One of Edwards' first acts as governor was to expand Medicaid coverage in Louisiana.
Louisiana implemented expanded Affordable Care Medicaid coverage in June 2016. As of May 2022, more than 732,000 people were enrolled in expanded Medicaid coverage in Louisiana. This was a significant increase from the end of 2019, when approximately 456,000 people signed up.
Want More People To Have Health Insurance? Look To Louisiana
However, the COVID-19 pandemic has led to an expansion of Medicaid across the country as job losses and reduced income make people eligible for Medicaid coverage — including people who were previously employed (and potentially enrolled in an offer from their employers) or operated small business.
While the labor market has recovered from initial challenges related to COVID, the Families First Coronavirus Response Act has led to continued growth in Medicaid enrollment. That's because the law gives states additional federal Medicaid funding, but with the caveat that no one is kicked out of Medicaid unless they move out of state or apply for drop-in coverage. For this reason, the normal process of regular redetermination of eligibility is suspended from the beginning of 2020. This will continue until the end of the pandemic public health emergency, which is expected to last until at least mid-October 2022.
Current federal regulations allow short-term health insurance plans to have an initial term of up to 364 days and a total term – including extensions – of 36 months.
Several insurers offer short-term health plans in Louisiana, including some insurers that also offer ACA-compliant plans on the state exchange. Some insurers offer plans with terms and duration up to federal limits, while others limit their plans to shorter terms and/or offer no renewal.
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At the beginning of 2022, there are 897,889 Medicare beneficiaries in Louisiana. Enrollment is split almost evenly between Medicare Advantage and Original Medicare plans (Original Medicare includes Medicare Part A, which provides inpatient benefits, and Medicare Part B, which provides outpatient benefits).
More than 292,000 Louisiana Medicare beneficiaries are enrolled
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