Get a free quote here for Louisiana health insurance for you.Louisiana health insurance through private health insurance companies but some alternatives are available through state-sponsored programs. If you are not able to get insurance through private companies, then you might consider Louisiana's risk pool, the Louisiana Health Plan. This generally is not the cheapest option, so be sure that you cannot get coverage elsewhere. For families under certain income guidelines and with children under 19, LaChip will take care of health coverage (at least for the children). As with all states, Louisiana also provides Medicaid.
If you do not qualify for the low-cost/no-cost health insurance alternatives, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance.
One private company to consider is Blue Cross Blue Shield. Blue Cross Blue Shield of Louisiana is one of the most reliable companies to offer health care services. Their plans vary to your price points. Plan details: $50 office visit for primary and specialist, annual deductable for family is $7500 or $2500 for individual, low copays for medication ranging from $4 (generic) to $25 (brand), and $45 for non-formulary. Their plans offer you a level of flexibility in choosing your physician. Other plans that offer health insurance are Aetna, Humana One, and United Health One. All of these plans offer several options. Monthly payments can range from $126 to approximately $775. This will depend on the amount of coverage as well as the number of family members to be covered.
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