Finding Health Coverage In Louisiana
When you rely on FirstQuote Health to find affordable health coverage in Louisiana the process is easier than you think. We’re here to help you find plans that work for you and your needs. We’ll help you look over all of the details and provide you with the guidance you need to make the right decision for your health.
Coverage available in your area may vary by county, so it’s important you provide us with accurate information about where you live in Louisiana.
Whether you’re looking for an HMP, PPO, or you just don’t know: we can help you find the coverage you need and put you in touch with insurance experts in Louisiana and they’ll get you signed up with a plan.
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 - January 15
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 helps individuals and families find the best 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 you are 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
- UnitedHealthcare
- Humana
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.
Frequently Asked Questions
Is Health Insurance Mandatory In Louisiana?
No, health insurance is not mandatory in Louisiana as of 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.
However, there are still some states that require residents to enroll in medical coverage as of 2020. If you are a resident of any of the mentioned states, and you forgo health coverage, you will face a tax penalty, unless you qualify for an exemption. Those states include:
- California
- Massachusetts
- New Jersey
- Rhode Island
- Vermont
- Washington DC
How To Get Health Insurance in Louisiana?
Comparing plans from several companies while shopping for new medical insurance is the greatest way to ensure you get health insurance in Louisiana. By comparing guidelines, you can observe which companies give greater attention to your region and age. Then, based on your requirements and specifications, you can select the policy that is most appropriate for you.
Are There Short-Term Health Insurance Options in Louisiana?
Short-term plans with lengths ranging from one month to one year are available to Louisiana residents. Since each state is in charge of establishing its standards for short-term health insurance, restrictions may alter the short-term health insurance from time to time.