Health insurance in Louisiana, 2027
Louisiana uses HealthCare.gov and expanded Medicaid. In 2027, Medicaid for many adults comes with work rules.
Last checked October 16, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Louisiana uses HealthCare.gov
Louisiana has no state marketplace of its own: you compare plans and apply for a tax credit on HealthCare.gov, the federal marketplace, or with a licensed agent who works with it. For 2026 coverage, 296,648 Louisianans picked a Marketplace plan during open enrollment.1
- Marketplace
- HealthCare.gov
- 2026 plan selections
- 296,648
- Medicaid for adults
- Healthy Louisiana, under 138%
The dates for 2027
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Choose a plan by December 15 for coverage that starts January 1, 2027.
Losing other coverage, moving to Louisiana, marrying or having a baby can open a special enrollment window, usually 60 days.2
- November 1, 2026Open enrollment for 2027 starts (key step)
- December 15Last day to choose a plan that starts January 1 (key step)
- January 15, 2027Open enrollment ends
- February 1, 2027Coverage starts for plans chosen December 16 to January 15
Heads up: Choose a plan after December 15 and it starts February 1, not January 1. If nothing else covers you in January, that is a month without coverage.
Who can get help paying
Louisiana expanded Medicaid, called Healthy Louisiana, to adults 19 to 64 with income under 138% of the poverty level, $22,025 for one person. Above that line, a Marketplace tax credit usually takes over, up to 4 times the poverty level. Children qualify at much higher incomes through LaCHIP.34
Work rules start in 2027
Who it affects: Louisiana expansion adults aged 19 to 64.
A federal law passed in 2025 requires adults in the Medicaid expansion group to show 80 hours a month of work, school or community service, or to qualify for an exemption, to get and keep coverage. It starts January 1, 2027, unless the state gets a delay. In Louisiana, that group is covered through Healthy Louisiana.
Parents and caretakers of children 13 and under, and people who are medically frail, are among those exempt. People who aren’t eligible for Medicaid because they didn’t meet the rules can’t get Marketplace tax credits.5
What to do: If you get a Medicaid notice, call us before your coverage ends.
A family of three
For a family of three, Healthy Louisiana for the adults reaches about $37,700 a year, and children qualify up to about $69,700 through LaCHIP.34
Which insurers sell plans
Insurers file their 2027 Louisiana plans with the state and with HealthCare.gov, and the final list appears when open enrollment opens on November 1. Which ones you can choose depends on your county.2
What to do: Send us your ZIP code, your doctors and your prescriptions. We check which plans in your county include them.
Help from a licensed agency
Our agency is licensed in Louisiana, and we work with Louisianans by phone and video, from our Chicago office. We compare the plans in your county and show you what to keep in mind on each one, at no cost to you.6
Related guides
Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.