ACA plans available
38
Plan year 2026
2026 data Public-data reference. official source
Orleans, Louisiana Health Insurance
Open-data reference.
38 ACA plans from 3 issuers - Plan year 2026
Orleans, Louisiana offers 38 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $332/mo and Silver plans start at $477/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$606
Avg Silver Premium/mo
$484
Benchmark Premium/mo
+30.4%
Year-over-Year Change
$5,006
Avg Deductible
What the Numbers Say About Orleans
Orleans, Louisiana has 38 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $606/mo for a 27-year-old non-tobacco user, with the lowest Silver at $477 and the highest at $885. Bronze plans start at $332/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $484/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 $5,006 and the average out-of-pocket maximum is $9,095 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Orleans shifted by +30.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Orleans, consumers have some competitive choice, though narrower than the most competitive counties. Network types split fairly evenly here between EPO and POS, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. 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
3 plans$436/mo avg
$332 - $576
Silver
12 plans$606/mo avg
$477 - $885
Gold
12 plans$612/mo avg
$510 - $886
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Orleans is $484/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
3
Some competition
Benchmark Silver
$484 /mo
Sets your subsidy ceiling
Avg deductible
$5,006
Across all metal tiers
Orleans ACA plans by premium and deductible
Each marker is the Orleans 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 Orleans, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Orleans
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Louisiana Healthcare Connections | 16 | $480/mo |
| HMO Louisiana | 14 | $493/mo |
| Blue Cross and Blue Shield of Louisiana | 8 | $775/mo |
All Plans in Orleans
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Signature Blue 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $332.00 | $404.86 | $9,900 | $10,600 |
| Blue POS 60/40 $6500 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $401.57 | $489.70 | $6,500 | $10,600 |
| Blue Max 70/50 $6700 with 2 $0 PCP Virtual Visits HSA Eligible Blue Cross and Blue Shield of Louisiana | Bronze | PPO | $575.51 | $701.81 | $6,700 | $10,600 |
| Signature Blue Copay (PCP) 50/50 $7500 Standardized HSA Eligible HMO Louisiana | Expanded Bronze | POS | $367.52 | $448.18 | $7,500 | $10,000 |
| Standard Expanded Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $371.70 | $453.28 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $372.02 | $453.66 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $381.62 | $465.37 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $381.94 | $465.76 | $8,450 | $10,150 |
| Blue Connect Copay (PCP) 50/50 $7500 Standardized (N) HSA Eligible HMO Louisiana | Expanded Bronze | POS | $396.10 | $483.03 | $7,500 | $10,000 |
| Blue POS Copay (PCP) 50/50 $7500 Standardized HSA Eligible HMO Louisiana | Expanded Bronze | POS | $432.90 | $527.90 | $7,500 | $10,000 |
| Elite Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $434.69 | $530.09 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $446.28 | $544.23 | $0 | $10,500 |
| Blue Max Copay (PCP) 50/50 $7500 Standardized HSA Eligible Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $615.03 | $750.01 | $7,500 | $10,000 |
| Blue Saver 60/40 $6100 Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $658.59 | $803.13 | $6,100 | $8,300 |
| Standard Silver Ambetter from Louisiana Healthcare Connections | Silver | EPO | $477.40 | $582.17 | $6,000 | $8,900 |
| Focused Silver Ambetter from Louisiana Healthcare Connections | Silver | EPO | $483.62 | $589.76 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Silver | EPO | $490.13 | $597.70 | $6,000 | $8,900 |
| Signature Blue 80/60 $3200 with 2 $0 PCP Virtual Visits HMO Louisiana | Silver | POS | $495.10 | $603.75 | $3,200 | $9,100 |
| Focused Silver + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Silver | EPO | $496.52 | $605.49 | $6,300 | $8,400 |
| Signature Blue Copay (PCP) 60/40 $6000 Standardized HMO Louisiana | Silver | POS | $511.38 | $623.61 | $6,000 | $8,900 |
| Blue Connect 80/60 $3200 with 2 $0 PCP Virtual Visits (N) HMO Louisiana | Silver | POS | $533.58 | $650.68 | $3,200 | $9,100 |
| Blue Connect Copay (PCP) 60/40 $6000 Standardized (N) HMO Louisiana | Silver | POS | $551.13 | $672.09 | $6,000 | $8,900 |
| Blue POS Copay (PCP) 60/40 $6000 Standardized HMO Louisiana | Silver | POS | $602.33 | $734.52 | $6,000 | $8,900 |
| Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits Blue Cross and Blue Shield of Louisiana | Silver | PPO | $868.12 | $1,058.64 | $3,300 | $9,900 |
| Blue Max Copay (PCP) 60/40 $6000 Standardized Blue Cross and Blue Shield of Louisiana | Silver | PPO | $874.65 | $1,066.61 | $6,000 | $8,900 |
| Blue Saver 90/70 $3400 Blue Cross and Blue Shield of Louisiana | Silver | PPO | $884.66 | $1,078.81 | $3,400 | $8,300 |
| Standard Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $509.83 | $621.72 | $2,000 | $8,300 |
| Signature Blue Copay (PCP) 75/55 $2000 Standardized HMO Louisiana | Gold | POS | $519.98 | $634.09 | $2,000 | $8,300 |
| Standard Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $523.42 | $638.30 | $2,000 | $8,300 |
| Complete Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $543.14 | $662.34 | $1,450 | $7,600 |
| Complete Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $557.62 | $680.00 | $1,450 | $7,600 |
| Blue Connect Copay (PCP) 75/55 $2000 Standardized (N) HMO Louisiana | Gold | POS | $560.40 | $683.38 | $2,000 | $8,300 |
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits HMO Louisiana | Gold | POS | $585.69 | $714.22 | $1,000 | $9,700 |
| Elite Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $599.76 | $731.39 | $0 | $6,500 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized HMO Louisiana | Gold | POS | $612.46 | $746.88 | $2,000 | $8,300 |
| Elite Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $615.76 | $750.90 | $0 | $6,500 |
| Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits Blue Cross and Blue Shield of Louisiana | Gold | PPO | $833.83 | $1,016.83 | $1,500 | $9,900 |
| Blue Max Copay (PCP) 75/55 $2000 Standardized Blue Cross and Blue Shield of Louisiana | Gold | PPO | $885.86 | $1,080.28 | $2,000 | $8,300 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $485/mo | $375 | $798 | 17 | 4 |
| 2023 | $502/mo | $417 | $671 | 27 | 5 |
| 2024 | $501/mo | $411 | $649 | 21 | 4 |
| 2025 | $491/mo | $386 | $667 | 18 | 4 |
| 2026 | $606/mo | $477 | $885 | 12 | 3 |
Frequently Asked Questions
How many ACA plans are available in Orleans, LA?
There are 38 ACA marketplace plans available in Orleans from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Orleans?
The lowest-premium plan in Orleans starts at $332/mo (Bronze tier, age 27). Silver plans start at $477/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Orleans?
The benchmark (second-lowest Silver) premium in Orleans is $484/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 Orleans?
Average premiums in Orleans changed by +30.4% 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 Orleans?
The average annual deductible across all plans in Orleans is $5,006, and the average out-of-pocket maximum is $9,095. 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 Orleans?
There are 3 insurance issuers offering ACA marketplace plans in Orleans, including Ambetter from Louisiana Healthcare Connections, HMO Louisiana, Blue Cross and Blue Shield of Louisiana. 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 Orleans, LA's $484/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
