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Louisiana · 2026 plan year

Gold health insurance plans in Louisiana (2026)

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
$2,000
Median 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 18th cheapest of 35.

Averaged across all 29 plans, Gold coverage in Louisiana costs $559 a month before subsidies — 18th lowest of the 35 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.

Cost

What a Gold plan costs in Louisiana in 2026

Across all 29 Gold plans in Louisiana, monthly premiums run from $473 to $794, averaging $559. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Louisiana enrollees, often to a fraction of the sticker price.

Deductibles

Gold plan deductibles in Louisiana

Gold deductibles in Louisiana run from $0 to $2,000, with a median of $2,000 across the 25 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,490 because the spread is not symmetric. Some Louisiana Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 4 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Gold out-of-pocket maximums in Louisiana

Individual out-of-pocket maximums on Louisiana Gold plans run from $6,500 to $9,900, with a median of $8,300. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

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 medical + $0 Rx (separate)$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 averageDeductible range
HMO Louisiana10$482$542$2,000
Ambetter from Louisiana Healthcare Connections6$473$518$0–$2,000
CHRISTUS Health Plan5$495$515$0–$2,000
UnitedHealthcare4$600$616$950–$2,000
AmeriHealth Caritas Next2$549$550$950–$2,000
Blue Cross and Blue Shield of Louisiana2$747$771$1,500–$2,000
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 Louisiana Gold plans?
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. What the tier does bound is the rest of the cost-sharing: across the 29 Gold plans in Louisiana, out-of-pocket maximums run $6,500 to $9,900, and deductibles on the 25 plans with one combined deductible run $0 to $2,000. The other 4 set a separate deductible for prescription drugs and are not included in the deductible figures. 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 — a median of $2,000 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 Louisiana Gold plans?
Gold deductibles in Louisiana run from $0 to $2,000 across the 25 plans with one combined deductible, with a median of $2,000 — that median is the figure closest to a typical plan. The other 4 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $6,500 to $9,900. The spread inside a single 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 Marketplace plan in Louisiana?
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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