ACA plans available
59
Plan year 2026
2026 data Public-data reference. official source
East Baton Rouge, Louisiana Health Insurance
Open-data reference.
59 ACA plans from 5 issuers - Plan year 2026
East Baton Rouge, Louisiana offers 59 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $348/mo and Silver plans start at $502/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$640
Avg Silver Premium/mo
$508
Benchmark Premium/mo
+30.5%
Year-over-Year Change
$4,924
Avg Deductible
What the Numbers Say About East Baton Rouge
East Baton Rouge, Louisiana has 59 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $640/mo for a 27-year-old non-tobacco user, with the lowest Silver at $502 and the highest at $903. Bronze plans start at $348/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $508/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,924 and the average out-of-pocket maximum is $9,323 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in East Baton Rouge shifted by +30.5%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in East Baton Rouge, consumers have meaningful competition to pressure premiums lower. EPO is the most common network type in East Baton Rouge, with POS and HMO and PPO rounding out the alternatives. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
5 plans$450/mo avg
$348 - $588
Silver
20 plans$640/mo avg
$502 - $903
Gold
18 plans$649/mo avg
$536 - $904
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in East Baton Rouge is $508/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
5
Competitive market
Benchmark Silver
$508 /mo
Sets your subsidy ceiling
Avg deductible
$4,924
Across all metal tiers
East Baton Rouge ACA plans by premium and deductible
Each marker is the East Baton Rouge average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for East Baton Rouge, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in East Baton Rouge
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Louisiana Healthcare Connections | 16 | $505/mo |
| HMO Louisiana | 14 | $518/mo |
| UnitedHealthcare | 13 | $646/mo |
| AmeriHealth Caritas Next | 8 | $527/mo |
| Blue Cross and Blue Shield of Louisiana | 8 | $791/mo |
All Plans in East Baton Rouge
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Community Blue 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $347.89 | $424.24 | $9,900 | $10,600 |
| AmeriHealth Caritas Next Bronze Essential + No Referrals AmeriHealth Caritas Next | Bronze | HMO | $411.96 | $502.36 | $10,600 | $10,600 |
| Blue POS 60/40 $6500 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $428.88 | $523.01 | $6,500 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | EPO | $473.19 | $577.04 | $10,600 | $10,600 |
| Blue Max 70/50 $6700 with 2 $0 PCP Virtual Visits HSA Eligible Blue Cross and Blue Shield of Louisiana | Bronze | PPO | $587.53 | $716.47 | $6,700 | $10,600 |
| Community Blue Copay (PCP) 50/50 $7500 Standardized HSA Eligible HMO Louisiana | Expanded Bronze | POS | $385.12 | $469.64 | $7,500 | $10,000 |
| Standard Expanded Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $390.49 | $476.19 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $390.82 | $476.59 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $400.90 | $488.89 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $401.24 | $489.30 | $8,450 | $10,150 |
| Precision Blue Copay (PCP) 50/50 $7500 Standardized (BR) HSA Eligible HMO Louisiana | Expanded Bronze | POS | $407.78 | $497.27 | $7,500 | $10,000 |
| AmeriHealth Caritas Next Bronze Signature + No Referrals AmeriHealth Caritas Next | Expanded Bronze | HMO | $437.65 | $533.70 | $7,500 | $10,000 |
| AmeriHealth Caritas Next Bronze Premier + No Referrals AmeriHealth Caritas Next | Expanded Bronze | HMO | $447.03 | $545.14 | $3,850 | $10,600 |
| Elite Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $456.66 | $556.88 | $0 | $10,500 |
| Blue POS Copay (PCP) 50/50 $7500 Standardized HSA Eligible HMO Louisiana | Expanded Bronze | POS | $462.33 | $563.79 | $7,500 | $10,000 |
| Elite Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $468.84 | $571.74 | $0 | $10,500 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $506.41 | $617.55 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $522.55 | $637.23 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $536.89 | $654.72 | $0 | $10,600 |
| Blue Max Copay (PCP) 50/50 $7500 Standardized HSA Eligible Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $627.88 | $765.68 | $7,500 | $10,000 |
| Blue Saver 60/40 $6100 Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $672.35 | $819.91 | $6,100 | $8,300 |
| Standard Silver Ambetter from Louisiana Healthcare Connections | Silver | EPO | $501.53 | $611.59 | $6,000 | $8,900 |
| Focused Silver Ambetter from Louisiana Healthcare Connections | Silver | EPO | $508.07 | $619.57 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Silver | EPO | $514.90 | $627.91 | $6,000 | $8,900 |
| Community Blue 80/60 $3200 with 2 $0 PCP Virtual Visits HMO Louisiana | Silver | POS | $518.79 | $632.65 | $3,200 | $9,100 |
| Focused Silver + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Silver | EPO | $521.62 | $636.09 | $6,300 | $8,400 |
| Community Blue Copay (PCP) 60/40 $6000 Standardized HMO Louisiana | Silver | POS | $535.86 | $653.47 | $6,000 | $8,900 |
| Precision Blue 80/60 $3200 with 2 $0 PCP Virtual Visits (BR) HMO Louisiana | Silver | POS | $549.31 | $669.86 | $3,200 | $9,100 |
| Precision Blue Copay (PCP) 60/40 $6000 Standardized (BR) HMO Louisiana | Silver | POS | $567.38 | $691.90 | $6,000 | $8,900 |
| AmeriHealth Caritas Next Silver Essential + No Referrals AmeriHealth Caritas Next | Silver | HMO | $576.64 | $703.19 | $6,100 | $9,000 |
| AmeriHealth Caritas Next Silver Signature + No Referrals AmeriHealth Caritas Next | Silver | HMO | $579.84 | $707.10 | $6,000 | $8,900 |
| AmeriHealth Caritas Next Silver Premier + No Referrals AmeriHealth Caritas Next | Silver | HMO | $605.63 | $738.54 | $400 | $10,200 |
| Blue POS Copay (PCP) 60/40 $6000 Standardized HMO Louisiana | Silver | POS | $643.29 | $784.47 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $677.86 | $826.63 | $4,000 | $10,600 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $683.38 | $833.36 | $6,000 | $8,900 |
| UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $693.98 | $846.29 | $4,000 | $10,600 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $713.67 | $870.30 | $0 | $10,150 |
| UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $729.79 | $889.96 | $0 | $10,150 |
| Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits Blue Cross and Blue Shield of Louisiana | Silver | PPO | $886.25 | $1,080.75 | $3,300 | $9,900 |
| Blue Max Copay (PCP) 60/40 $6000 Standardized Blue Cross and Blue Shield of Louisiana | Silver | PPO | $892.93 | $1,088.89 | $6,000 | $8,900 |
| Blue Saver 90/70 $3400 Blue Cross and Blue Shield of Louisiana | Silver | PPO | $903.13 | $1,101.34 | $3,400 | $8,300 |
| Standard Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $535.59 | $653.14 | $2,000 | $8,300 |
| Community Blue Copay (PCP) 75/55 $2000 Standardized HMO Louisiana | Gold | POS | $544.87 | $664.44 | $2,000 | $8,300 |
| Standard Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $549.88 | $670.56 | $2,000 | $8,300 |
| Complete Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $570.59 | $695.82 | $1,450 | $7,600 |
| AmeriHealth Caritas Next Gold Signature + No Referrals AmeriHealth Caritas Next | Gold | HMO | $575.07 | $701.28 | $2,000 | $8,300 |
| Precision Blue Copay (PCP) 75/55 $2000 Standardized (BR) HMO Louisiana | Gold | POS | $576.92 | $703.54 | $2,000 | $8,300 |
| AmeriHealth Caritas Next Gold Premier + No Referrals AmeriHealth Caritas Next | Gold | HMO | $578.68 | $705.68 | $950 | $8,500 |
| Complete Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $585.81 | $714.37 | $1,450 | $7,600 |
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits HMO Louisiana | Gold | POS | $625.51 | $762.79 | $1,000 | $9,700 |
| Elite Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $630.08 | $768.36 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $646.88 | $788.85 | $0 | $6,500 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized HMO Louisiana | Gold | POS | $654.11 | $797.66 | $2,000 | $8,300 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $695.33 | $847.93 | $2,000 | $8,300 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $711.26 | $867.35 | $0 | $9,250 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $717.56 | $875.04 | $950 | $9,600 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $733.68 | $894.70 | $950 | $9,600 |
| Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits Blue Cross and Blue Shield of Louisiana | Gold | PPO | $851.25 | $1,038.07 | $1,500 | $9,900 |
| Blue Max Copay (PCP) 75/55 $2000 Standardized Blue Cross and Blue Shield of Louisiana | Gold | PPO | $904.37 | $1,102.85 | $2,000 | $8,300 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $527/mo | $400 | $815 | 20 | 5 |
| 2023 | $541/mo | $438 | $684 | 27 | 5 |
| 2024 | $526/mo | $427 | $663 | 21 | 4 |
| 2025 | $516/mo | $405 | $681 | 18 | 4 |
| 2026 | $640/mo | $502 | $903 | 20 | 5 |
Frequently Asked Questions
How many ACA plans are available in East Baton Rouge, LA?
There are 59 ACA marketplace plans available in East Baton Rouge from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in East Baton Rouge?
The lowest-premium plan in East Baton Rouge starts at $348/mo (Bronze tier, age 27). Silver plans start at $502/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for East Baton Rouge?
The benchmark (second-lowest Silver) premium in East Baton Rouge is $508/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in East Baton Rouge?
Average premiums in East Baton Rouge changed by +30.5% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in East Baton Rouge?
The average annual deductible across all plans in East Baton Rouge is $4,924, and the average out-of-pocket maximum is $9,323. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in East Baton Rouge?
There are 5 insurance issuers offering ACA marketplace plans in East Baton Rouge, including Ambetter from Louisiana Healthcare Connections, HMO Louisiana, UnitedHealthcare, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to East Baton Rouge, LA's $508/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
