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Louisiana Open Enrollment Nov. 1: New Orleans Residents Face Double-Digit 2027 Health Insurance Increases
NEW ORLEANS — Open enrollment for 2027 health insurance begins Sunday, Nov. 1, giving Louisiana residents an opportunity to compare Marketplace plans, review premiums and determine whether they qualif
By Erin Vale · 2026-11-02T03:03:31.367Z
NEW ORLEANS — Open enrollment for 2027 health insurance begins Sunday, Nov. 1, giving Louisiana residents an opportunity to compare Marketplace plans, review premiums and determine whether they qualify for financial assistance.
Louisiana residents use the federal Health Insurance Marketplace at HealthCare.gov to shop for individual coverage. The annual enrollment period begins Nov. 1, with consumers encouraged to compare plans carefully because premiums, provider networks and benefits can change from one year to the next.
Louisiana’s Insurance Department has published 2027 health insurance rate filings showing double digit increases across several major carriers.
Louisiana health insurance rates rise for 2027 The Louisiana Department of Insurance lists several implemented 2027 rate changes of 10% or more, including:
Ambetter Health of Louisiana: 24.5% UnitedHealthcare Insurance Company: 20.2% UnitedHealthcare Insurance Company: 21.07% on another filing UnitedHealthcare of Louisiana: 17.33% Blue Cross and Blue Shield of Louisiana: 11.87% on one filing Blue Cross and Blue Shield of Louisiana: 14.4% on another filing HMO Louisiana: 13.7% on one filing CHRISTUS Health Plan Louisiana: 13.4% AmeriHealth Caritas Louisiana: 10.49% The figures represent specific rate filings rather than a single statewide average. Actual premium changes can vary depending on the insurer, plan, age, geographic area and household circumstances.
Louisiana differs from some states because the Department of Insurance does not have approval authority over health insurance rates . Instead, the department reviews filings for compliance with state law and reviews increases of 15% or more for actuarial reasonableness.
What Louisiana residents should check New Orleans area residents and consumers statewide should compare monthly health insurance premiums, deductibles, co pays, coinsurance, prescription drug coverage and whether preferred doctors and hospitals remain in network.
Location can also affect what a consumer pays. Louisiana insurance regulators note that insurers may vary premiums based on geographic rating areas, along with age, tobacco use and whether coverage is for an individual or family.
Residents should update their expected 2027 household income and family information because those details can affect eligibility for premium tax credits and other Marketplace savings.
Consumers should compare the total cost of coverage rather than focusing only on the monthly premium. A lower premium plan may carry a higher deductible or greater out of pocket costs when medical care is needed.
Marketplace carriers deserve a fresh comparison Louisiana’s recent Marketplace has included major insurers such as Ambetter Health of Louisiana, AmeriHealth Caritas Louisiana, Blue Cross and Blue Shield of Louisiana, CHRISTUS Health Plan and UnitedHealthcare .
With 2027 filings showing substantially different rate changes among carriers, consumers may find meaningful differences when comparing plans available in their ZIP code.
Provider networks can also change from year to year, making it important for residents to verify that their physicians, specialists, hospitals and pharmacies remain included before choosing a plan.
Enrollment deadlines matter Residents seeking 2027 Marketplace coverage should shop during the annual open enrollment period beginning Nov. 1 .
Louisiana’s Insurance Department has historically advised consumers that those selecting a plan by Dec. 15 can have coverage beginning Jan. 1, while enrollment completed by the final Jan. 15 deadline can result in coverage beginning Feb. 1.
After open enrollment ends, most consumers need a qualifying life event to enroll in or change private Marketplace coverage through a Special Enrollment Period.
Louisiana residents can compare 2027 health insurance plans, review potential financial assistance and enroll through HealthCare.gov .