If you’re a Louisianan with a need for temporary health insurance, such as waiting for employer or Medicare coverage to begin, a short-term health insurance plan in Louisiana could be a good solution. Short-term health insurance in Louisiana was extended beyond a three-month limit in 2018,1 which makes now a good time to see if short-term health insurance would work for you.
Can I Buy Short-Term Health Insurance in Louisiana?
Yes, Louisiana has approved the sale of short-term plans with durations of more than 11 months.2 Each state is responsible for setting its own regulations for short-term health insurance, so limitations can change.1 If you’re among the approximately 404,000 people in Louisiana who do not have health insurance,3 a short-term plan can be a good start to getting coverage.
Before you apply for a plan, review the benefits to help make sure a short-term health plan in Louisiana is right for you. Temporary health insurance has limitations, but it can help ensure that you have coverage if you have an accident or other medical emergency. That’s why it’s important to understand a few important aspects of Louisiana short-term insurance:
- Policies can be sold year-round with no designated enrollment period.
- The Affordable Care Act’s ten essential benefits are not required benefits.
- People with pre-existing conditions can be denied coverage.
Is LA Short Term Health Insurance Affordable?
Premiums for six-month short-term insurance plans in Louisiana can start as low as $114 per month.* But remember, coverage will be less comprehensive than an ACA health insurance plan. Benefits, deductibles, and copays vary between plans, but most short-term policies provide only minimal coverage.
Interested in a LA Short-Term Health Insurance Plan?
You could have short-term health coverage as soon as the day after you apply in many cases. Visit HealthMarkets now to compare plans, see premiums, and apply for a short-term health insurance plan in Louisiana. Best of all, there’s no charge to you for our service.
1. Congressional Budget Office. September 25, 2020. Retrieved from https://www.cbo.gov/publication/56622. | 2. Center on Budget and Policy Priorities. October 2020. Retrieved from https://www.cbpp.org/state-limitations-on-short-term-health-insurance-plans-october-2020. | 3. U.S. Census Bureau. Retrieved from https://www2.census.gov/programs-surveys/demo/tables/health-insurance/2020/acs-hi/hi05_acs.xlsx. Accessed February 19, 2021.
*Based on premiums for 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in New Orleans, LA.
"Minimum Essential Coverage" as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state.