ACA plans available
41
Plan year 2026
2026 data Public-data reference. official source
Red River, Louisiana Health Insurance
Open-data reference.
41 ACA plans from 4 issuers - Plan year 2026
Red River, Louisiana offers 41 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $401/mo and Silver plans start at $461/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$654
Avg Silver Premium/mo
$464
Benchmark Premium/mo
+30.1%
Year-over-Year Change
$5,400
Avg Deductible
What the Numbers Say About Red River
Red River, Louisiana has 41 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $654/mo for a 27-year-old non-tobacco user, with the lowest Silver at $461 and the highest at $893. Bronze plans start at $401/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $464/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 $5,400 and the average out-of-pocket maximum is $9,591 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Red River shifted by +30.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Red River, consumers have meaningful competition to pressure premiums lower. Network types split fairly evenly here between EPO and HMO, 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
4 plans$458/mo avg
$401 - $581
Silver
13 plans$654/mo avg
$461 - $893
Gold
13 plans$639/mo avg
$519 - $895
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Red River is $464/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
4
Competitive market
Benchmark Silver
$464 /mo
Sets your subsidy ceiling
Avg deductible
$5,400
Across all metal tiers
Red River ACA plans by premium and deductible
Each marker is the Red River 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 Red River, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Red River
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 13 | $597/mo |
| CHRISTUS Health Plan | 13 | $451/mo |
| Blue Cross and Blue Shield of Louisiana | 8 | $782/mo |
| HMO Louisiana | 7 | $528/mo |
All Plans in Red River
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue POS 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $400.83 | $488.80 | $9,900 | $10,600 |
| Blue POS 60/40 $6500 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $411.61 | $501.95 | $6,500 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | EPO | $437.58 | $533.62 | $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 | $581.26 | $708.83 | $6,700 | $10,600 |
| CHRISTUS Value Bronze CHRISTUS Health Plan | Expanded Bronze | HMO | $329.81 | $402.19 | $10,600 | $10,600 |
| CHRISTUS Value Bronze Plus CHRISTUS Health Plan | Expanded Bronze | HMO | $343.32 | $418.67 | $10,600 | $10,600 |
| CHRISTUS Standard Expanded Bronze CHRISTUS Health Plan | Expanded Bronze | HMO | $347.88 | $424.23 | $7,500 | $10,000 |
| CHRISTUS Bronze Essential CHRISTUS Health Plan | Expanded Bronze | HMO | $363.22 | $442.93 | $7,450 | $9,850 |
| CHRISTUS Bronze Essential Plus CHRISTUS Health Plan | Expanded Bronze | HMO | $376.92 | $459.64 | $7,450 | $9,850 |
| Blue POS Copay (PCP) 50/50 $7500 Standardized HSA Eligible HMO Louisiana | Expanded Bronze | POS | $443.71 | $541.09 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $468.30 | $571.07 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $483.23 | $589.28 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $496.49 | $605.45 | $0 | $10,600 |
| Blue Max Copay (PCP) 50/50 $7500 Standardized HSA Eligible Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $621.18 | $757.51 | $7,500 | $10,000 |
| Blue Saver 60/40 $6100 Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $665.18 | $811.16 | $6,100 | $8,300 |
| CHRISTUS Standard Silver CHRISTUS Health Plan | Silver | HMO | $460.97 | $562.14 | $6,000 | $8,900 |
| CHRISTUS Silver Essential CHRISTUS Health Plan | Silver | HMO | $464.34 | $566.25 | $6,900 | $9,300 |
| CHRISTUS Silver Essential Plus CHRISTUS Health Plan | Silver | HMO | $478.04 | $582.95 | $6,900 | $9,300 |
| Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits HMO Louisiana | Silver | POS | $597.73 | $728.91 | $3,200 | $9,100 |
| Blue POS Copay (PCP) 60/40 $6000 Standardized HMO Louisiana | Silver | POS | $617.39 | $752.88 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $626.85 | $764.42 | $4,000 | $10,600 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $631.95 | $770.65 | $6,000 | $8,900 |
| UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $641.75 | $782.60 | $4,000 | $10,600 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $659.96 | $804.80 | $0 | $10,150 |
| UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $674.87 | $822.98 | $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 | $876.79 | $1,069.21 | $3,300 | $9,900 |
| Blue Max Copay (PCP) 60/40 $6000 Standardized Blue Cross and Blue Shield of Louisiana | Silver | PPO | $883.39 | $1,077.26 | $6,000 | $8,900 |
| Blue Saver 90/70 $3400 Blue Cross and Blue Shield of Louisiana | Silver | PPO | $893.49 | $1,089.58 | $3,400 | $8,300 |
| CHRISTUS Gold Essential CHRISTUS Health Plan | Gold | HMO | $519.19 | $633.14 | $3,750 | $9,200 |
| CHRISTUS Gold Essential Plus CHRISTUS Health Plan | Gold | HMO | $532.90 | $649.85 | $3,750 | $9,200 |
| CHRISTUS Standard Gold CHRISTUS Health Plan | Gold | HMO | $537.08 | $654.95 | $2,000 | $8,300 |
| CHRISTUS Gold CHRISTUS Health Plan | Gold | HMO | $546.74 | $666.73 | $0 | $9,200 |
| CHRISTUS Gold Plus CHRISTUS Health Plan | Gold | HMO | $560.43 | $683.43 | $0 | $9,200 |
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits HMO Louisiana | Gold | POS | $600.33 | $732.08 | $1,000 | $9,700 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized HMO Louisiana | Gold | POS | $627.77 | $765.55 | $2,000 | $8,300 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $643.00 | $784.12 | $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 | $657.73 | $802.08 | $0 | $9,250 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $663.56 | $809.19 | $950 | $9,600 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $678.47 | $827.37 | $950 | $9,600 |
| Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits Blue Cross and Blue Shield of Louisiana | Gold | PPO | $842.16 | $1,026.99 | $1,500 | $9,900 |
| Blue Max Copay (PCP) 75/55 $2000 Standardized Blue Cross and Blue Shield of Louisiana | Gold | PPO | $894.71 | $1,091.07 | $2,000 | $8,300 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $537/mo | $362 | $806 | 10 | 4 |
| 2023 | $522/mo | $396 | $684 | 14 | 4 |
| 2024 | $534/mo | $413 | $656 | 9 | 3 |
| 2025 | $510/mo | $401 | $674 | 15 | 4 |
| 2026 | $654/mo | $461 | $893 | 13 | 4 |
Frequently Asked Questions
How many ACA plans are available in Red River, LA?
There are 41 ACA marketplace plans available in Red River from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Red River?
The lowest-premium plan in Red River starts at $401/mo (Bronze tier, age 27). Silver plans start at $461/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Red River?
The benchmark (second-lowest Silver) premium in Red River is $464/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 Red River?
Average premiums in Red River changed by +30.1% 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 Red River?
The average annual deductible across all plans in Red River is $5,400, and the average out-of-pocket maximum is $9,591. 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 Red River?
There are 4 insurance issuers offering ACA marketplace plans in Red River, including UnitedHealthcare, CHRISTUS Health Plan, Blue Cross and Blue Shield of Louisiana, 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 Red River, LA's $464/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
