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Best Cheap Health Insurance in Louisiana (2023)

Finding the best health plan with the coverage to fit your needs can be challenging, so we compared health insurance plans in Louisiana by metal tier in order to determine the most affordable policies available for each level of coverage. The insurers and policies below may not be available in your region, but you can use this information as a starting point to compare the costs and benefits you can expect from a given metal tier.

For example, the Christus Silver plan has a minimum monthly premium of $496 (before subsidies) for a 40-year-old in Louisiana shopping for Silver coverage. This is $57 less than the monthly premium for the cheapest Gold plan. In exchange for this lower rate, you would have to pay more out of pocket — the Silver health plan’s deductible, for example, is $1,250 greater than that of the Gold plan.

Bronze Christus Bronze $389 $9,100 $9,100
Silver Christus Silver $496 $2,000 $8,400
gold Ambetter Everyday Gold $553 $750 $7,500

Two factors that greatly affect your monthly health insurance premiums are metal tier and age. The metal tier, or coverage tier, affects how much money you pay out of pocket. You have lower deductibles, copays and coinsurance with higher tiers — but also higher monthly premiums.

And as your age increases, the monthly health insurance rates you have to pay increase across metal tiers. For a Silver health care plan, a 40-year-old in Louisiana pays 28% more on average than a 21-year-old for the same level of coverage. A 60-year-old pays 112% more than a 40-year-old for the same health plan.

Cost of health insurance in Louisiana

Finding your best health insurance coverage in Louisiana

In Louisiana, the availability and costs of policies vary depending on the region in which you live. Higher metal tier health plans, like Gold plans, come

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Best Cheap Health Insurance in Arkansas (2023)

Arkansas residents can sign up for affordable health coverage through the state health insurance exchange, and Medicaid provides free or low-cost coverage to those who qualify based on income.

For 2023, the average monthly cost of health insurance in Arkansas is $476 for a 40-year-old.

We analyzed all of the health insurance policies on the state exchange and found that the Ambetter CMS Standard Silver is the cheapest Silver plan in Arkansas and available in 22 of the state’s 75 counties. Although this may be the lowest-cost Silver health plan, you may want to purchase a plan in a different metal tier, as the best health insurance policy for you depends on your medical and financial situation.

We compared health insurance plans in Arkansas to find the cheapest policy
available for each tier of coverage. The available insurers and policies may change depending on the county you live in, but the table below serves as a good starting point in comparing the costs and benefits you can expect from a given metal tier.

For example, the Ambetter Clear Bronze plan has a monthly premium of $354 for a 40-year-old in Arkansas, which is $57 less than the premium for the Ambetter CMS Standard Silver plan. But the Bronze plan’s lower monthly rate comes at the expense of higher out-of-pocket costs such as copays and deductibles.

Bronze Ambetter Clear Bronze $354 $8,600 $8,600
Silver Ambetter CMS Standard Silver $411 $5,800 $8,900
gold Ambetter CMS Standard Gold $491 $2,000 $8,700

Metal tier and age are both important factors that affect your monthly health insurance premium. Higher metal tier policies have higher monthly rates, but they also have lower out-of-pocket costs, meaning you pay less when you need to use your health insurance. With all metal tiers, as your age increases, your monthly

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