ACA plans available
28
Plan year 2026
2026 data Public-data reference. official source
Vernon, Louisiana Health Insurance
Open-data reference.
28 ACA plans from 3 issuers - Plan year 2026
Vernon, Louisiana offers 28 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $426/mo and Silver plans start at $579/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$707
Avg Silver Premium/mo
$583
Benchmark Premium/mo
+27.4%
Year-over-Year Change
$5,596
Avg Deductible
What the Numbers Say About Vernon
Vernon, Louisiana has 28 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $707/mo for a 27-year-old non-tobacco user, with the lowest Silver at $579 and the highest at $876. Bronze plans start at $426/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $583/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 $5,596 and the average out-of-pocket maximum is $9,461 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Vernon shifted by +27.4%, 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 Vernon, consumers have some competitive choice, though narrower than the most competitive counties. HMO is the most common network type in Vernon, with PPO and POS rounding out the alternatives. 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$478/mo avg
$426 - $570
Silver
8 plans$707/mo avg
$579 - $876
Gold
9 plans$710/mo avg
$638 - $877
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Vernon is $583/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
$583 /mo
Sets your subsidy ceiling
Avg deductible
$5,596
Across all metal tiers
Vernon ACA plans by premium and deductible
Each marker is the Vernon 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 Vernon, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Vernon
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| CHRISTUS Health Plan | 13 | $566/mo |
| Blue Cross and Blue Shield of Louisiana | 8 | $767/mo |
| HMO Louisiana | 7 | $562/mo |
All Plans in Vernon
| 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 | $426.24 | $519.79 | $9,900 | $10,600 |
| Blue POS 60/40 $6500 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $437.72 | $533.78 | $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 | $569.76 | $694.80 | $6,700 | $10,600 |
| CHRISTUS Value Bronze CHRISTUS Health Plan | Expanded Bronze | HMO | $413.95 | $504.79 | $10,600 | $10,600 |
| CHRISTUS Value Bronze Plus CHRISTUS Health Plan | Expanded Bronze | HMO | $430.90 | $525.47 | $10,600 | $10,600 |
| CHRISTUS Standard Expanded Bronze CHRISTUS Health Plan | Expanded Bronze | HMO | $436.63 | $532.46 | $7,500 | $10,000 |
| CHRISTUS Bronze Essential CHRISTUS Health Plan | Expanded Bronze | HMO | $455.88 | $555.93 | $7,450 | $9,850 |
| Blue POS Copay (PCP) 50/50 $7500 Standardized HSA Eligible HMO Louisiana | Expanded Bronze | POS | $471.85 | $575.41 | $7,500 | $10,000 |
| CHRISTUS Bronze Essential Plus CHRISTUS Health Plan | Expanded Bronze | HMO | $473.08 | $576.90 | $7,450 | $9,850 |
| Blue Max Copay (PCP) 50/50 $7500 Standardized HSA Eligible Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $608.89 | $742.52 | $7,500 | $10,000 |
| Blue Saver 60/40 $6100 Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $652.01 | $795.11 | $6,100 | $8,300 |
| CHRISTUS Standard Silver CHRISTUS Health Plan | Silver | HMO | $578.57 | $705.54 | $6,000 | $8,900 |
| CHRISTUS Silver Essential CHRISTUS Health Plan | Silver | HMO | $582.81 | $710.71 | $6,900 | $9,300 |
| CHRISTUS Silver Essential Plus CHRISTUS Health Plan | Silver | HMO | $599.99 | $731.67 | $6,900 | $9,300 |
| Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits HMO Louisiana | Silver | POS | $635.63 | $775.13 | $3,200 | $9,100 |
| Blue POS Copay (PCP) 60/40 $6000 Standardized HMO Louisiana | Silver | POS | $656.54 | $800.63 | $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 | $859.44 | $1,048.06 | $3,300 | $9,900 |
| Blue Max Copay (PCP) 60/40 $6000 Standardized Blue Cross and Blue Shield of Louisiana | Silver | PPO | $865.91 | $1,055.95 | $6,000 | $8,900 |
| Blue Saver 90/70 $3400 Blue Cross and Blue Shield of Louisiana | Silver | PPO | $875.81 | $1,068.02 | $3,400 | $8,300 |
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits HMO Louisiana | Gold | POS | $638.39 | $778.49 | $1,000 | $9,700 |
| CHRISTUS Gold Essential CHRISTUS Health Plan | Gold | HMO | $651.65 | $794.66 | $3,750 | $9,200 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized HMO Louisiana | Gold | POS | $667.58 | $814.09 | $2,000 | $8,300 |
| CHRISTUS Gold Essential Plus CHRISTUS Health Plan | Gold | HMO | $668.85 | $815.63 | $3,750 | $9,200 |
| CHRISTUS Standard Gold CHRISTUS Health Plan | Gold | HMO | $674.10 | $822.04 | $2,000 | $8,300 |
| CHRISTUS Gold CHRISTUS Health Plan | Gold | HMO | $686.22 | $836.82 | $0 | $9,200 |
| CHRISTUS Gold Plus CHRISTUS Health Plan | Gold | HMO | $703.40 | $857.78 | $0 | $9,200 |
| Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits Blue Cross and Blue Shield of Louisiana | Gold | PPO | $825.50 | $1,006.67 | $1,500 | $9,900 |
| Blue Max Copay (PCP) 75/55 $2000 Standardized Blue Cross and Blue Shield of Louisiana | Gold | PPO | $877.01 | $1,069.48 | $2,000 | $8,300 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $564/mo | $415 | $791 | 10 | 4 |
| 2023 | $548/mo | $454 | $671 | 14 | 4 |
| 2024 | $561/mo | $473 | $643 | 9 | 3 |
| 2025 | $553/mo | $492 | $661 | 10 | 3 |
| 2026 | $707/mo | $579 | $876 | 8 | 3 |
Frequently Asked Questions
How many ACA plans are available in Vernon, LA?
There are 28 ACA marketplace plans available in Vernon from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Vernon?
The lowest-premium plan in Vernon starts at $426/mo (Bronze tier, age 27). Silver plans start at $579/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Vernon?
The benchmark (second-lowest Silver) premium in Vernon is $583/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 Vernon?
Average premiums in Vernon changed by +27.4% 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 Vernon?
The average annual deductible across all plans in Vernon is $5,596, and the average out-of-pocket maximum is $9,461. 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 Vernon?
There are 3 insurance issuers offering ACA marketplace plans in Vernon, including CHRISTUS Health Plan, Blue Cross and Blue Shield of Louisiana, HMO 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 Vernon, LA's $583/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
