Louisiana Health Insurance

As a resident of Louisiana, you have plenty of Louisiana health insurance options to choose from. There are multiple insurance companies in Louisiana that provide a range of plans for a variety of health needs.

Here you'll be able to get helpful information for finding health insurance in Louisiana. See some of the state's top health insurance companies and read about the important Louisiana health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Louisiana health insurance programs.

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If you would like to get free quotes and compare Louisiana health insurance plans now, start with our simple form on the left.

Resources on this page

Louisiana Health Insurance Laws and Regulations

Public Health Insurance Programs for Louisiana Residents

Louisiana Health Insurance High Risk Pools

Louisiana Health Insurance Companies

Contact Info for the Louisiana Department of Insurance and Department of Health and Hospitals

Louisiana Health Insurance Laws and Regulations

Louisiana health insurance companies look at a residents health history or health conditions before accepting them for coverage.

If a Louisiana resident cannot find health coverage because of a pre-existing health condition, they can get coverage through the state's high-risk pool, the Louisiana Health Plan. Residents who are HIPAA-eligible can also purchase coverage from this state-regulated Louisiana health insurance plan.

Louisiana health insurance law mandates that all health plans must cover certain health care services, such as:

Medical care for clinical cancer trials
Screening for breast, cervical, prostate, and colorectal cancer
Care for pregnant women
Hearing aids for children
Vaccinations for children

Louisiana health insurance companies are also required to provide coverage for severe mental illness and offer equal insurance benefits for mental health conditions and physical conditions.

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Louisiana Public Health Insurance Programs

Many low-income residents have access to public Louisiana health insurance programs that provide free or low-cost health coverage:

Medicaid
The Louisiana Medicaid program offers health care coverage for some disable citizens and low-income individuals, families, and children. To get more information about Louisiana Medicaid, visit the program's website.

LaCHIP
This is the Louisiana State Children's Health Insurance Program, which provides health coverage for children in low-income families who do not qualify for Medicaid. Learn more about this children's Louisiana health insurance program on LaCHIP's website.

Louisiana Breast and Cervical Cancer Program
This program provides free breast and cervical cancer screening for low-income women and full health coverage for the diseases through Medicaid. Find out more information about this Louisiana health insurance program here.

Louisiana Medicare
Seniors can find Louisiana health insurance through Medicare Advantage, Supplement and Original Medicare.

Another financial assistance program, the Federal Health Coverage Tax Credit, offers Louisiana trade workers and early retirees tax credit money to help pay for their health plan premiums.

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Louisiana Health Insurance High Risk Pool

Louisiana residents with pre-existing conditions will be able to get health insurance coverage through the high risk pools set up by the Patient Protection and Affordable Care Act.

The Pre-Existing Condition Insurance Plan (PCIP) in Louisiana will act like Louisiana health insurance plans and requires enrollees to pay monthly premiums and out-of-pocket costs.

Individuals in the Louisiana PCIP will pay around the same amount that people without medical conditions pay for health insurance coverage. The estimated monthly premium costs for Louisiana residents will be $317 for ages 0 to 34; $380 for ages 35 to 44; $483 for ages 45 to 54; $675 for ages 55 and older. The yearly deductible that must be met before health insurance coverage kicks in is $2,500 and the plan has an out-of-pocket limit set at $5,950 a year.

Louisiana residents will have health insurance coverage for hospital and doctor visits, prescription drugs, emergency services and more.

Individuals can apply for the Louisiana PCIP program if they have a pre-existing condition, have been without health insurance for six months and are a United States citizen.

For more information on the Louisiana health insurance high risk pools visit http://www.healthcare.gov/index.html.

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The following list of companies offer health insurance plans in Louisiana:

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.

Assurant Health Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.