Louisiana has historically been among states with a high rate of uninsured. However, as a result of the Affordable Care Act, the health insurance landscape has expanded to include many coverage options. There are now more ways for people living in the state to access individual and family health insurance benefits.
Louisianians who do not have job-based health insurance can buy ACA-compliant minimum essential coverage on and away from the state’s exchange and may also apply for coverage via public programs such as Medicaid and CHIP.
Louisiana and the Affordable Care Act
The federal government operates Louisiana’s health insurance exchange. Those who buy coverage through the Health Insurance Marketplace may be eligible for income-based financial assistance to help lower monthly premiums and out-of-pocket healthcare expenses.
If they do not qualify for premium tax credits and cost-sharing subsidies, Louisianians may consider health plans sold in the private marketplace. HealthCare.org provides health insurance quotes for Obamacare major medical plans, as well as other coverage including short term health, supplemental health, dental and Medicare supplement plans
Louisiana employers with or fewer full-time employees can offer health insurance through the state’s federally facilitated Small Business Health Options Program (SHOP).
Medicaid expansion in Louisiana
Louisiana did not expand Medicaid to single, low-income adults when the Affordable Care Act took effect in 2014. Medicaid eligibility criteria is available at the State of Louisiana’s Department of Health & Hospitals website.
The Children’s Health Insurance Program in Louisiana is known as LaCHIP and provides low-income, uninsured children with access to healthcare. More information is available at the state’s Department of Health & Hospitals website.
Louisiana is one of the least healthiest states in the county, as it has been ranked by America’s Health Rankings as the 48th healthiest state in the country. What does this mean? It basically means that, when compared to the rest of the country, Health challenges are harder and overall healthiness of people is lower. Health Care in the state needs to be reformed and regrouped so it becomes better, more accessible and adequate for its residents.
It’s obvious that there are real issues and causes that do not let Health in Louisiana develop and improve. This state has many issues that drag their health, but that doesn’t mean that it cannot be done. With so many things in dire need of improvement, Louisiana and its residents will have a hard a long road to travel.
If public health funding continues to rise, and the percentage of residents that lack health insurance gets controlled, as well as the effectiveness of the Health System in Louisiana, we could be telling a different story in a near future.
Louisiana Department of Insurance
P.O. Box 94214
Baton Rouge, LA 70804
Phone: (225) 342-5900
Louisiana Department of Health and Hospitals
628 N. 4th Street
P.O. Box 629
Baton Rouge, LA 70821-0629
Phone: (225) 342-9500