Louisiana · 2027 Open Enrollment

Louisiana ACA health insurance for 2027

Open Enrollment for 2027 Louisiana Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Louisiana and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.

What's new in Louisiana for 2027

Louisiana's 2027 rates are final, with an approved average increase of about 18.1% before subsidies. All six insurers are returning.

Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.

How to enroll in Louisiana

Louisiana residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:

1. Enter your Louisiana ZIP code, household size and estimated 2027 income.
2. Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
3. Pick a plan, submit your application and pay your first premium to activate coverage.

Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).

2027 Louisiana Marketplace insurers

• Blue Cross and Blue Shield of Louisiana
• HMO Louisiana (Louisiana Blue)
• Ambetter from Louisiana Healthcare Connections
• UnitedHealthcare
• CHRISTUS Health Plan
• AmeriHealth Caritas

Not every insurer sells plans in every county. Source: healthinsurance.org Louisiana Marketplace guide and state rate filings, September 2026.

Medicaid and the coverage gap in Louisiana

Louisiana expanded Medicaid for adults up to 138% of the poverty level. A Medicaid work requirement begins in 2027: 80 hours a month of work, volunteering or school, or earnings of at least $580 a month. If your household may qualify for Louisiana Medicaid and LaCHIP, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.

Where we help in Louisiana

We enroll individuals, families, self-employed workers and early retirees across Louisiana, including New Orleans, Baton Rouge, Shreveport, Lafayette and Lake Charles, plus rural counties. Everything is handled by phone and online, so there's no office visit.