Louisiana has historically been among states with a high rate of uninsured. However, as a result of the Affordable Care Act, the health insurance landscape has expanded to include many coverage options. There are now more ways for people living in the state to access individual and family health insurance benefits.
Louisianians who do not have job-based health insurance can buy ACA-compliant minimum essential coverage on and away from the state’s exchange and may also apply for coverage via public programs such as Medicaid and CHIP.
Louisiana and the Affordable Care Act
The federal government operates Louisiana’s health insurance exchange. Those who buy coverage through the Health Insurance Marketplace may be eligible for income-based financial assistance to help lower monthly premiums and out-of-pocket healthcare expenses.
If they do not qualify for premium tax credits and cost-sharing subsidies, Louisianians may consider health plans sold in the private marketplace. HealthCare.org provides health insurance quotes for Obamacare major medical plans, as well as other coverage including short term health, supplemental health, dental and Medicare supplement plans
Louisiana employers with or fewer full-time employees can offer health insurance through the state’s federally facilitated Small Business Health Options Program (SHOP).
Medicaid expansion in Louisiana
Louisiana did not expand Medicaid to single, low-income adults when the Affordable Care Act took effect in 2014. Medicaid eligibility criteria is available at the State of Louisiana’s Department of Health & Hospitals website.
The Children’s Health Insurance Program in Louisiana is known as LaCHIP and provides low-income, uninsured children with access to healthcare. More information is available at the state’s Department of Health & Hospitals website.