Silver health insurance plans in Louisiana (2026)
There are 36 Silver plans on the Louisiana Marketplace from 6 insurers, and they are not interchangeable — premiums run from $424 to $793 a month for the same metal tier. Here is what separates them.
Louisiana Silver premiums rank 19th cheapest of 35.
Averaged across all 36 plans, Silver coverage in Louisiana costs $540 a month before subsidies — 19th 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.
What a Silver plan costs in Louisiana in 2026
Across all 36 Silver plans in Louisiana, monthly premiums run from $424 to $793, averaging $540. 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.
Silver plan deductibles in Louisiana
Silver deductibles in Louisiana run from $400 to $6,900, with a median of $6,000 across the 33 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 $4,991 because the spread is not symmetric. The other 3 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.
Silver out-of-pocket maximums in Louisiana
Individual out-of-pocket maximums on Louisiana Silver plans run from $5,400 to $10,600, with a median of $8,900. 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.
The cheapest Silver plans in Louisiana
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| CHRISTUS Value SilverCHRISTUS Health Plan | $424 | $5,400 | $5,400 |
| CHRISTUS Value Silver PlusCHRISTUS Health Plan | $440 | $5,400 | $5,400 |
| CHRISTUS Standard SilverCHRISTUS Health Plan | $440 | $6,000 | $8,900 |
| CHRISTUS Silver EssentialCHRISTUS Health Plan | $443 | $6,900 | $9,300 |
| Standard SilverAmbetter from Louisiana Healthcare Connections | $443 | $6,000 | $8,900 |
Showing 5 of 36. See all Louisiana Silver plans →
Silver plans by insurer
| Insurer | Silver plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| HMO Louisiana | 16 | $459 | $524 | $3,200–$6,000 |
| CHRISTUS Health Plan | 5 | $424 | $441 | $5,400–$6,900 |
| UnitedHealthcare | 5 | $585 | $604 | $4,000–$6,000 |
| Ambetter from Louisiana Healthcare Connections | 4 | $443 | $452 | $6,000–$6,300 |
| AmeriHealth Caritas Next | 3 | $550 | $560 | $400–$6,100 |
| Blue Cross and Blue Shield of Louisiana | 3 | $778 | $785 | $3,400–$6,000 |
How Silver compares to the rest
States with similar Silver premiums
Louisiana Silver plans, answered
What are the copays on Louisiana Silver plans?
Who is eligible for a Silver plan in Louisiana?
What is the deductible on Louisiana Silver plans?
Are Silver plans available in my Louisiana county?
When can I enroll in a Marketplace plan in Louisiana?
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