ACA plans available
51
Plan year 2026
CMS Marketplace county · plan year 2026
Saint Bernard, Louisiana ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $614
- Silver avg/mo
- 51
- ACA plans
- 4
- Issuers
- +23.0%
- YoY premium
Silver avg $614/mo
Saint Bernard, Louisiana has 51 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $614/mo; Bronze averages $445/mo and Gold $621/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1203 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $484/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Saint Bernard, Louisiana ranks #1,203 of 2,055 counties by listed Silver average ($614/mo) and #699 of 2,055 by plan count (51 plans).
- #1,203 of 2,055
- Silver average among 2,055 counties
- $614
- Listed Silver average /mo
- #699 of 2,055
- Plan count among 2,055 counties
- 51
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Saint Bernard, Louisiana offers 51 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $332/mo and Silver plans start at $477/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$614
Avg Silver Premium/mo
$484
Benchmark Premium/mo
+23.0%
Year-over-Year Change
$4,970
Avg Deductible
Mid-pack marketplace
Saint Bernard marketplace standing
51 plans from 4 issuers for plan year 2026. Corpus place #1203 of 2055 (highest Silver = #1).
Mid-pack Silver avg $614/mo with 51 plans . YoY average shift: +23.0%. EPO is the most common network type in Saint Bernard, with POS and PPO rounding out the alternatives.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
18 plans$445/mo avg
$332 - $659
Silver
17 plans$614/mo avg
$477 - $885
Gold
16 plans$621/mo avg
$510 - $886
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Saint Bernard 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.
Issuers in market
4
Competitive market
Benchmark Silver
$484 /mo
Sets your subsidy ceiling
Avg deductible
$4,970
Across all metal tiers
C
Marketplace Access Score
59/100
Saint Bernard
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability C
$484/mo
Benchmark Silver premium; rank #1203 of 2055 tracked counties (cheapest first)
Plan Choice B-
51 plans
ACA marketplace plan count; rank #699 of 2055 tracked counties (most first)
Issuer Competition C
4 issuers
Distinct marketplace issuers; rank #885 of 2055 tracked counties (most first)
Cost Predictability C-
$4,970
Average deductible across tracked plans; rank #1108 of 2055 tracked counties (lowest first)
Saint Bernard ACA plans by premium and deductible
Each marker is the Saint Bernard 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.
Saint Bernard ACA marketplace plans: premium vs deductible
How Saint Bernard's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Saint Bernard vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$614 1203rd of 2055 higher than 851 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Saint Bernard
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Louisiana Healthcare Connections | 16 | $480/mo |
| HMO Louisiana | 14 | $493/mo |
| UnitedHealthcare | 13 | $584/mo |
| Blue Cross and Blue Shield of Louisiana | 8 | $775/mo |
All Plans in Saint Bernard
| 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 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | EPO | $427.87 | $521.78 | $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 | $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 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $457.91 | $558.40 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $472.50 | $576.20 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $485.47 | $592.01 | $0 | $10,600 |
| 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 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $612.94 | $747.46 | $4,000 | $10,600 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $617.93 | $753.55 | $6,000 | $8,900 |
| UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $627.51 | $765.23 | $4,000 | $10,600 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $645.32 | $786.94 | $0 | $10,150 |
| UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $659.89 | $804.72 | $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 | $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 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $628.73 | $766.72 | $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 | $643.14 | $784.28 | $0 | $9,250 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $648.84 | $791.23 | $950 | $9,600 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $663.41 | $809.01 | $950 | $9,600 |
| 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 | $492/mo | $375 | $798 | 15 | 4 |
| 2023 | $508/mo | $417 | $671 | 25 | 5 |
| 2024 | $505/mo | $411 | $649 | 20 | 4 |
| 2025 | $491/mo | $386 | $667 | 18 | 4 |
| 2026 | $614/mo | $477 | $885 | 17 | 4 |
What this means for Saint Bernard
Use Saint Bernard's own numbers here, not a national average, before you enroll.
- $614/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 51 plans from 4 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Where does Saint Bernard sit on Silver premiums vs other counties?
Saint Bernard ranks #1203 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $614/mo. See /methodology#corpus-placement.
How many ACA plans are available in Saint Bernard, LA?
There are 51 ACA marketplace plans available in Saint Bernard from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Saint Bernard?
The lowest-premium plan in Saint Bernard 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 Saint Bernard?
The benchmark (second-lowest Silver) premium in Saint Bernard is $484/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Saint Bernard premiums rise +23.0% year-over-year?
The average age-27 premium in Saint Bernard changed by +23.0% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Saint Bernard?
The average annual deductible across all plans in Saint Bernard is $4,970, and the average out-of-pocket maximum is $9,293. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Saint Bernard's crowded market?
There are 4 insurance issuers offering ACA marketplace plans in Saint Bernard, 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 Saint Bernard, LA's $484/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Saint Bernard, LA, both outside LA so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($484/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (4 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.