Louisiana residents shop for ACA health coverage through HealthCare.gov, the federal marketplace, since the state has not established its own exchange.
Louisiana expanded Medicaid under the ACA, so adults earning up to 138% of the federal poverty level generally qualify for the state's Medicaid program instead of needing a subsidized marketplace plan. The expansion has been in place for several years and covers a substantial share of the state's low-income adult population.
Louisiana's marketplace has a solid number of insurer choices in most parishes, and many residents qualify for meaningful premium tax credits given the state's income distribution. Shoppers should still confirm that specific hospital systems and specialists are in-network before enrolling, since network differences between plans can be significant.