ACA plans available
35
Plan year 2026
CMS Marketplace county · plan year 2026
Saint Charles, 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
- $622
- Silver avg/mo
- 35
- ACA plans
- 3
- Issuers
- +21.9%
- YoY premium
Silver avg $622/mo
Saint Charles, Louisiana has 35 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $622/mo; Bronze averages $451/mo and Gold $621/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1155 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 Charles, Louisiana ranks #1,155 of 2,055 counties by listed Silver average ($622/mo) and #1,416 of 2,055 by plan count (35 plans).
- #1,155 of 2,055
- Silver average among 2,055 counties
- $622
- Listed Silver average /mo
- #1,416 of 2,055
- Plan count among 2,055 counties
- 35
- 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 Charles, Louisiana offers 35 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $372/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.
$622
Avg Silver Premium/mo
$484
Benchmark Premium/mo
+21.9%
Year-over-Year Change
$4,990
Avg Deductible
Thin plan inventory
Saint Charles marketplace standing
35 plans: bottom-third inventory vs other tracked counties. Corpus place #1155 of 2055 (highest Silver = #1).
Mid-pack Silver avg $622/mo with 35 plans . YoY average shift: +21.9%. 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.
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
13 plans$451/mo avg
$372 - $659
Silver
11 plans$622/mo avg
$477 - $885
Gold
11 plans$621/mo avg
$510 - $886
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Saint Charles 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
3
Some competition
Benchmark Silver
$484 /mo
Sets your subsidy ceiling
Avg deductible
$4,990
Across all metal tiers
D
Marketplace Access Score
44/100
Saint Charles
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 #1155 of 2055 tracked counties (cheapest first)
Plan Choice F
35 plans
ACA marketplace plan count; rank #1416 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1504 of 2055 tracked counties (most first)
Cost Predictability C-
$4,990
Average deductible across tracked plans; rank #1040 of 2055 tracked counties (lowest first)
Saint Charles ACA plans by premium and deductible
Each marker is the Saint Charles 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 Charles ACA marketplace plans: premium vs deductible
How Saint Charles's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Saint Charles vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$622 1155th of 2055 higher than 900 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 Charles
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Louisiana Healthcare Connections | 16 | $480/mo |
| HMO Louisiana | 11 | $514/mo |
| Blue Cross and Blue Shield of Louisiana | 8 | $775/mo |
All Plans in Saint Charles
| 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 | $391.05 | $476.87 | $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 |
| 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 |
| Focused Silver + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Silver | EPO | $496.52 | $605.49 | $6,300 | $8,400 |
| 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 80/60 $3200 with 2 $0 PCP Virtual Visits HMO Louisiana | Silver | POS | $583.15 | $711.13 | $3,200 | $9,100 |
| 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 |
| 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 | $492/mo | $375 | $798 | 15 | 4 |
| 2023 | $508/mo | $417 | $671 | 25 | 5 |
| 2024 | $505/mo | $411 | $649 | 20 | 4 |
| 2025 | $499/mo | $386 | $667 | 17 | 4 |
| 2026 | $622/mo | $477 | $885 | 11 | 3 |
What this means for Saint Charles
Use Saint Charles's own numbers here, not a national average, before you enroll.
- $622/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 35 plans from 3 issuers puts Saint Charles in the thinnest third of tracked counties -- check the rest of Louisiana for more options. All of Louisiana
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 Charles sit on Silver premiums vs other counties?
Saint Charles ranks #1155 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $622/mo. See /methodology#corpus-placement.
Why does Saint Charles carry a thin ACA plan book?
Saint Charles lists 35 marketplace plans from 3 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Saint Charles?
The lowest-premium plan in Saint Charles starts at $372/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 Charles?
The benchmark (second-lowest Silver) premium in Saint Charles 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 Charles premiums rise +21.9% year-over-year?
The average age-27 premium in Saint Charles changed by +21.9% 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 Charles?
The average annual deductible across all plans in Saint Charles is $4,990, and the average out-of-pocket maximum is $9,097. 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 Saint Charles?
There are 3 insurance issuers offering ACA marketplace plans in Saint Charles, 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 Saint Charles, 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 Charles, 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 (3 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.