ACA plans available
32
Plan year 2026
CMS Marketplace county · plan year 2026
Saint James, 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
- $672
- Silver avg/mo
- 32
- ACA plans
- 3
- Issuers
- +20.5%
- YoY premium
Silver avg $672/mo
Saint James, Louisiana has 32 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $672/mo; Bronze averages $483/mo and Gold $674/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #729 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $551/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Saint James, Louisiana ranks #729 of 2,055 counties by listed Silver average ($672/mo) and #1,481 of 2,055 by plan count (32 plans).
- #729 of 2,055
- Silver average among 2,055 counties
- $672
- Listed Silver average /mo
- #1,481 of 2,055
- Plan count among 2,055 counties
- 32
- 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 James, Louisiana offers 32 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $391/mo and Silver plans start at $534/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$672
Avg Silver Premium/mo
$551
Benchmark Premium/mo
+20.5%
Year-over-Year Change
$4,814
Avg Deductible
Thin plan inventory
Saint James marketplace standing
32 plans: bottom-third inventory vs other tracked counties. Corpus place #729 of 2055 (highest Silver = #1).
Mid-pack Silver avg $672/mo with 32 plans . YoY average shift: +20.5%. 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
11 plans$483/mo avg
$391 - $659
Silver
12 plans$672/mo avg
$534 - $885
Gold
9 plans$674/mo avg
$560 - $886
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Saint James is $551/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
$551 /mo
Sets your subsidy ceiling
Avg deductible
$4,814
Across all metal tiers
D
Marketplace Access Score
42/100
Saint James
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 F
$551/mo
Benchmark Silver premium; rank #729 of 2055 tracked counties (cheapest first)
Plan Choice F
32 plans
ACA marketplace plan count; rank #1481 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1506 of 2055 tracked counties (most first)
Cost Predictability B
$4,814
Average deductible across tracked plans; rank #1523 of 2055 tracked counties (lowest first)
Saint James ACA plans by premium and deductible
Each marker is the Saint James 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 James ACA marketplace plans: premium vs deductible
How Saint James's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Saint James vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$672 729th of 2055 higher than 1,326 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 James
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 13 | $584/mo |
| HMO Louisiana | 11 | $514/mo |
| Blue Cross and Blue Shield of Louisiana | 8 | $775/mo |
All Plans in Saint James
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized HMO Louisiana | Gold | POS | $612.46 | $746.88 | $2,000 | $8,300 |
| 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 | $626/mo | $457 | $798 | 6 | 3 |
| 2023 | $570/mo | $480 | $671 | 14 | 4 |
| 2024 | $567/mo | $489 | $649 | 11 | 3 |
| 2025 | $560/mo | $451 | $667 | 10 | 3 |
| 2026 | $672/mo | $534 | $885 | 12 | 3 |
What this means for Saint James
Use Saint James's own numbers here, not a national average, before you enroll.
- $672/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 32 plans from 3 issuers puts Saint James 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 James sit on Silver premiums vs other counties?
Saint James ranks #729 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $672/mo. See /methodology#corpus-placement.
Why does Saint James carry a thin ACA plan book?
Saint James lists 32 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 James?
The lowest-premium plan in Saint James starts at $391/mo (Bronze tier, age 27). Silver plans start at $534/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Saint James?
The benchmark (second-lowest Silver) premium in Saint James is $551/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Saint James premiums rise +20.5% year-over-year?
The average age-27 premium in Saint James changed by +20.5% 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 James?
The average annual deductible across all plans in Saint James is $4,814, and the average out-of-pocket maximum is $9,564. 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 James?
There are 3 insurance issuers offering ACA marketplace plans in Saint James, including UnitedHealthcare, 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 James, LA's $551/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 James, 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 ($551/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.