SimpliveraCoverage Companion
Louisiana · 2026 plan year

Gold health insurance plans in Louisiana

There are 29 Gold plans on the Louisiana Marketplace from 6 insurers, and they are not interchangeable — premiums run from $473 to $794 a month for the same metal tier. Here is what separates them.

29
Gold plans
6
Insurers
60
Counties covered
$473
Cheapest premium
$1,578
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Gold coverage does not reach every Louisiana county.

Gold plans are sold in 60 of the 64 Louisiana counties where Marketplace coverage is available at all. Which plans you can actually buy depends on where you live, so check your ZIP before comparing anything on this page.

Louisiana Gold premiums rank 16th cheapest of 30.

Averaged across all 29 plans, Gold coverage in Louisiana costs $559 a month before subsidies — 16th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Gold plans in Louisiana

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard GoldAmbetter from Louisiana Healthcare Connections$473$2,000$8,300
Blue Connect Copay (PCP) 75/55 $2000 Standardized (S)HMO Louisiana$482$2,000$8,300
Standard Gold + Vision + Adult DentalAmbetter from Louisiana Healthcare Connections$486$2,000$8,300
CHRISTUS Gold EssentialCHRISTUS Health Plan$495$3,750$9,200
Signature Blue Copay (PCP) 75/55 $2000 StandardizedHMO Louisiana$496$2,000$8,300

Showing 5 of 29. See all Louisiana Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
HMO Louisiana10$482$542
Ambetter from Louisiana Healthcare Connections6$473$518
CHRISTUS Health Plan5$495$515
UnitedHealthcare4$600$616
AmeriHealth Caritas Next2$549$550
Blue Cross and Blue Shield of Louisiana2$747$771
Other tiers in Louisiana

How Gold compares to the rest

Bronze
Avg $393 · from $315
35 plans
Silver
Avg $540 · from $424
36 plans
Gold
Avg $559 · from $473
29 plans · you are here

All LouisianaMarketplace plans →

Nearby on price

States with similar Gold premiums

North Carolina
Avg $558
49 Gold plans
Arkansas
Avg $560
18 Gold plans
Kansas
Avg $565
20 Gold plans
Common questions

Louisiana Gold plans, answered

What are the copays on a Louisiana Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 29 Gold plans in Louisiana, deductibles average $1,578 and the out-of-pocket maximum averages $8,484. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Louisiana?
Any Louisiana Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,578 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Louisiana Gold plan?
The average across all 29 Gold plans in Louisiana is $1,578, with an average out-of-pocket maximum of $8,484. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Louisiana county?
Gold plans are sold in 60 Louisiana counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Louisiana Marketplace plan?
Louisiana uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Louisiana start at $473 a month before any subsidy.

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