- Overview Of Health Insurance In Louisiana
- Finding Health Coverage In Louisiana
- Louisiana Medical Insurance Numbers
- Is Health Insurance Mandatory In Louisiana?
Overview Of Health Insurance In Louisiana
Louisiana, officially nicknamed the Pelican State for the large population of brown pelicans found along the Gulf coast, is known for the world famous Mardi Gras, as the only state without counties, and delicious Cajun cuisine. As the 18th state to enter the union, Louisiana is the 25th most populous state, and 31st largest by area.
The US has a long way to go when it comes to the health of the population, and that rings true for Louisiana as well. The Pelican State currently ranks number 48 (out of 51) in the national state health rankings, but that doesn’t mean you can’t get started taking care of your own health today. If you live in Louisiana, and are looking to start leading a healthier lifestyle, here’s what you need to know.
Finding Health Coverage In Louisiana
Getting started with your health begins with you, and it starts by making a conscious effort. Sure, eating right and staying active is a great place to get started, but did you know that only accounts for half the battle? What many people don’t realize is that having a comprehensive health insurance plan plays a key role as well.
Medical coverage is more than just an insurance policy that protects you from high healthcare costs, it provides you access to important benefits. For example, when you’re covered, you have access to preventive services for little to no cost depending on your plan. It also sets you up with a primary care physician, in most cases, that will stay on top of your health as well. So, if you’re looking to get health insurance in Louisiana, here’s where to start.
Louisiana Open Enrollment Dates
The Open Enrollment Period takes place every year, and is the time when residents of the Pelican State can enroll in coverage through the Louisiana marketplace, which is run and managed by the federal government. During this time, individuals and families can shop around for plans without having to worry about being denied coverage. While some states opted to create their own Open Enrollment Period, Louisiana’s Open Enrollment runs through the following dates:
- November 1, 2018 - December 15, 2018
It’s important to explore your options during Louisiana’s Open Enrollment Period, because for many, this will be where the most affordable health insurance options are available. When the Affordable Care Act passed, it ensured that nobody could be denied coverage or charged more for their medical history. So, if you, or anyone on your policy have pre-existing conditions or chronic health conditions, then Louisiana’s marketplace may be your best bet for finding coverage you can afford.
The marketplace is also where you want to start looking for plans if you’re tight on money. Government subsidies and premium tax credits are only available if you enroll in a plan through Louisiana’s exchange, which can save you tons of money on your monthly premiums. You can also apply and qualify for Medicaid through the marketplace/
Louisiana Health Insurance Quotes
The Affordable Care Act (Obamacare) was an important piece of legislation that helped millions of Americans enroll in comprehensive health coverage for the first time. However, it made life a bit difficult for those who didn’t qualify for government subsidies by pricing many middle class families out of the marketplace. For that reason, there has been a growing number of individuals and families turning to the private sector for their health insurance.
FirstQuote Health specializes in helping residents find cheap and affordable health insurance quotes in Louisiana without compromising the quality of coverage. By entering your zip code, you’ll be able to compare quotes in your area in just minutes, taking the time out shopping around. You can even talk to an experienced agent with no obligation. Get started, and get covered as quickly as today.
Coverage From Louisiana’s Best Health Insurance Companies
Not everyone has the time, or even wants to shop around and compare quotes, which brings us to another great way to enroll medical coverage in Louisiana. If you already have coverage your happy with, or have a provider in mind, then another option is enrolling directly with one of the best health insurance companies in Louisiana. Some of the most popular options include:
- Louisiana Health
Before enrolling with one of Louisiana’s top health insurance companies, it’s important to mention some of the drawbacks. If you choose not to shop around and compare plans and policies, you’re already putting yourself at a disadvantage. The reason being, everyone’s healthcare needs are different, so what works for someone else may not work for you. You’ll also be putting yourself at risk for overpaying on your monthly premiums and out-of-pocket expenses.
By conducting a quick search online, you’ll be able to see reviews from past and current members who were willing to share their experiences. You can also learn more about health providers by reading trusted review sites like FirstQuote Health.
Louisiana Medical Insurance Numbers
Is Health Insurance Mandatory In Louisiana?
No, health insurance will not be mandatory in Louisiana beginning in 2019. When the Affordable Care Act (ACA) passed, it implemented a new law that required all Americans to enroll in health coverage, or face a tax penalty. The new legislation is known as the individual mandate, and was one of the most controversial pieces of the ACA, sparking fierce backlash by opponents of Obamacare.
When President Trump took office, he promised that one of the first orders of business would be to repeal and replace Obamacare. However, after a handful of unsuccessful attempts, he took a different approach. To nobody’s surprise, President Trump signed an executive order eliminating the individual mandate, which aimed to undermine the Affordable Care Act. However, some states fought back by creating their own versions of the individual mandate, but Louisiana is not one of those states.