HealthCare.gov state
Health insurance in Louisiana, 2027
What a benchmark plan costs here, what insurers have filed for next year, and where the subsidy cliff falls. Austin Olivier is licensed to help in Louisiana under licence 1278897.
What these numbers mean for you
The benchmark is the second-lowest-cost silver plan, and it is what your premium tax credit is calculated against. If you qualify for a credit, a high benchmark in Louisiana works in your favour: your contribution is fixed as a share of your income, so the credit simply grows to cover the gap.
Above 400% of the federal poverty level the logic reverses entirely. There is no credit, so the local price is the whole story. In Louisiana that means roughly $9,096 a year for a single 40-year-old on a benchmark plan, and considerably more at older ages.
Where the cliff falls
| Household size | 400% of poverty | Annual benchmark, unsubsidised |
|---|---|---|
| 1 person | $63,840 | $9,096 |
| 2 people | $86,560 | Varies by ages |
| 3 people | $109,280 | Varies by ages |
| 4 people | $132,000 | Varies by ages |
Enrollment in Louisiana
Louisiana uses HealthCare.gov. Open enrollment begins November 1, 2026 and you must enroll by December 15, 2026 for coverage starting January 1.
The final deadline is currently January 15, 2027, and that date is under appeal. Read the enrollment guide for why, and plan around December 15 rather than relying on January.
Run your own numbers
The calculator below is preset to Louisiana, using the published benchmark and the rate increase filed here. Change the income and household to match yours.
Your household
Use the income you expect to report for 2027, not last year’s. Subsidies are settled against what you actually earn.
Louisiana’s published 2026 benchmark was $646 a month for a 40-year-old. Insurers there have proposed 17.3% for 2027, which projects to about $758.
Modified adjusted gross income for everyone on your tax return.
Including anyone you claim as a dependent.
Monthly, for your whole household. Entering the real figure from your county replaces the estimate and makes the credit below exact.
What the 2027 rules give you
Your numbers appear here
Fill in your income, the people on your tax return, and your age. The math updates instantly as you type — nothing is stored, no email needed.
How this is calculated, and where it is only an estimate
Exact. Your poverty percentage and your expected contribution come straight from the 2026 HHS poverty guidelines and the 2027 applicable percentage table in IRS Rev. Proc. 2026-26. The percentage is interpolated within your income band, which is how the IRS does it. The 400% cliff is a hard statutory edge, not a taper.
Projected. The benchmark starts from KFF’s published 2026 figure for your state, carried forward by the rate increase insurers there have proposed for 2027, then scaled by the federal standard age curve for your household. Rates are filed but not yet approved, and benchmarks are set county by county rather than statewide. The national 2026 average was $625 and states ranged from $401 to $1,299, so your county could sit well away from your state’s average.
This is an educational estimate, not a quote, an offer of coverage, or tax advice. Final eligibility and pricing are determined by the Marketplace and the issuing carrier. Base rate used for this state: $593 per month for a 21-year-old.
Working with a licensed agent in Louisiana
- Licence: 1278897, held by Christopher Austin Olivier, National Producer Number 21299672.
- Verify it: through the Louisiana department of insurance or the National Insurance Producer Registry. You should check this for any agent, not just this one.
- Cost: nothing. Agents are compensated by carriers when a policy is placed, and that does not change the premium you pay. See the disclosures.
- Not every plan: no agent has appointments with every carrier in a state. You will be told plainly when something outside the available set would suit you better.
Louisiana questions
How much does health insurance cost in Louisiana?
The published 2026 benchmark premium in Louisiana was $646 a month for a 40-year-old, before any premium tax credit, against a national average of $625. Insurers there have filed an average increase of 17.3% for 2027, which projects to roughly $758. Your own county and age will differ.
What is the income limit for ACA subsidies in Louisiana?
The same as everywhere in the contiguous states: 400% of the federal poverty level. For 2027 coverage that is $63,840 for one person and $132,000 for a family of four. Above it there is no premium tax credit at all.
When can I enroll in Louisiana?
Louisiana uses HealthCare.gov, so open enrollment runs from November 1, 2026. Enroll by December 15, 2026 for coverage starting January 1. The final deadline is currently January 15, 2027 but is under appeal.
Are you licensed in Louisiana?
Yes. Christopher Austin Olivier, National Producer Number 21299672, licence 1278897. You can verify that with the Louisiana department of insurance or through the National Insurance Producer Registry before speaking to anyone.
Sources
- 1.KFF: Preliminary 2027 rate filings
- 2.healthinsurance.org: 2027 proposed rates by state
- 3.HHS 2026 Poverty Guidelines, 91 FR 1797
- 4.IRS Rev. Proc. 2026-26 (2027 applicable percentages)
- 5.KFF: How marketplace enrollment changed across states in 2026
Marketplace rules change through legislation, rulemaking, and litigation. Confirm anything you are about to act on, or call and ask.
Keep reading
Get real numbers for your county in Louisiana
State averages hide a lot. Benchmark premiums are set county by county, and the difference within a state is often larger than the difference between states.