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Obamacare in Louisiana

Since its inception, Obamacare has helped nearly 214,148 Louisiana residents to sign up for medical coverage through the healthcare marketplace. Ninety-three percent of those living in the state qualified for subsidies or tax credits. Nationwide, nearly 11 million Americans have benefited from the healthcare marketplace, many U.S. citizens enjoying medical coverage for the first time.  Additionally, parents can keep their children on their plans until the age of 26, and pre-existing conditions no longer factor in to the eligibility requirements.  For more information on Obamacare in Louisiana, and to learn more about eligibility and premium costs, choose from the topics below:

  • Did Louisiana accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Louisiana?
  • Eligibility for Obamacare in Louisiana
  • How to apply for Obamacare in Louisiana
  • Health plan cost and availability in Louisiana

Did Louisiana accept the ACA Medicaid expansion?

The Affordable Care Act Medicaid expansion was accepted by Louisiana legislators, despite citing ACA Medicaid expansion cost to states as one of the primary concerns of taking it on. What is the expansion of Medicaid? Under the ACA Medicaid expansion, Medicaid would be expanded to cover both families as well as individuals with incomes up to 138 percent of the federal poverty level. The initiative of the Obamacare Medicaid expansion was to expand coverage and reduce the uninsured rate of the state, which ranks 43rd among insured rates in the US.

What is the Obamacare Medicaid expansion? The expansion in Louisiana would mean that without Obamacare Medicaid eligibility, approximately 364,000 Louisiana residents would be excluded from the current Medicaid program. Applicants who are not disabled, and have no children, would not be eligible. With the Obamacare Medicaid expansion having been accepted by the state, low-income Louisiana families are able to get much needed health coverage. The Obamacare Medicaid application can be located at federal and state offices. For more Obamacare Medicaid expansion details, Louisiana applicants can read about it online, or speak to their local and state benefits offices.

Does the State or Federal Government Run the Health Insurance Exchange in Louisiana?

If you wonder, “What is the marketplace for health insurance in LA?” the simplest way to think of it is a website for comparison shopping, where the products offered are medical insurance plans. The Obamacare health insurance exchange is run by the federal government in Louisiana, which benefits the state in that they do not have to spend time and effort maintaining the Health insurance exchange regulations that are necessary for the upkeep and maintenance of such a comprehensive site.

 Many also ask, “What is the health insurance exchange in Louisiana?” The health insurance exchange, and the healthcare marketplace are two different names for the national Obamacare healthcare marketplace where LA residents can compare plans and review those that fit their lifestyle and medical needs.

Eligibility for Obamacare in Louisiana

Who is eligible for Obamacare in LA? The simplest answer is: everyone, with a few exceptions. Those Louisiana residents who are currently incarcerated are exempt, but everyone else living in the state is eligible. What is based on income and what many may not qualify for are the tax credits and subsidies that will lower the overall monthly premiums in LA. Luckily, the latest numbers indicate that approximately 90 percent of those living in LA qualify for some sort of discounted healthcare.

The specific answer to the question, “What are the requirements to apply for Obamacare in LA?” is that applicants need only be a resident of the county where they apply for Obamacare, be a US citizen, and provide proof of income. Many are left wondering how to qualify for Obamacare in Louisiana when their income is above poverty level. Concerning Obamacare coverage eligibility requirements, those living in LA need only provide proof of income so that the monthly premium amount may be set. Therefore, the Obamacare income requirements will not deny coverage to any applicant based on his or her annual income, however, not every applicant qualifies for tax credits or subsidies.

How to Apply for Obamacare in Louisiana

Some of the most commonly asked questions about Louisiana Obamacare applications include, “What do I need to apply for Obamacare in LA?” and “Can I apply online for Obamacare?” The process for how to apply for Obamacare insurance simply requires the applicant to provide some key pieces of information, with qualifying documentation. One of the easiest ways to apply for Obamacare for Louisiana residents is to do so online.  For those need to know how to get Obamacare without using a computer, there are alternative ways to apply, including by phone, by mail, or applicants can receive assistance by working directly with an insurance representative. Those who apply online do not have to worry about where to apply for Obamacare in LA, but those who choose the alternative methods should check with local offices.

As far as what is needed to sign up for Obamacare, Louisiana residents simply need to supply information about the household to be insured, previous health insurance policies, and proof of income. For those requiring more information on how to enroll in Obamacare in Louisiana, trained representatives are available via the toll free number provided on the official application.

Health Plan Cost and Availability in Louisiana 

A key question that most applicants ask is: “How much will Obamacare insurance cost me?” Obamacare health insurance plans costs in Louisiana will vary depending on the individual’s circumstances. The Obamacare health insurance price estimates takes into consideration age, location, income, and whether or not an applicant is a smoker. Currently, there are four insurance carriers, including Blue Cross Blue Shield, HMO Louisiana, Humana, and Vantage. Plans are offered on a tiered system, starting with catastrophic, bronze, silver, gold, and platinum.  For those who are still wondering how much does Obamacare cost in LA, an average for the state shows that the premium, after subsidies were applied, was approximately $83 a month.  Those not receiving subsidies can expect to pay approximately $362 a month.