Affordable Louisiana Health Insurance

Affordable Health Insurance Plans and Free Quotes

My Affordable Healthcare is an independent health insurance company in Metairie, Louisiana. Serving the Greater New Orleans Area and the entire state of Louisiana since 1968. For over 50 years, My Affordable Healthcare has helped individuals, families, and businesses save money on health insurance. *My Affordable Healthcare is an independent agency - meaning it carries all companies, plans, providers, & coverage’s. We compare every Louisiana health insurance option for 2019 in one place, in one day, for free.

“Everything You Need to Know About Louisiana Health Insurance for 2019.”

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What Health Insurance Plans, Providers, and Companies are Available in Louisiana For 2019?


Obamacare
Discounted or Free Health Insurance through BCBS, Vantage, Aetna, Cigna, Humana, & UHC

Obamacare is government sponsored health insurance based on your adjusted gross income (qualifications at the bottom of this page). The government may pay for your health insurance with a subsidy based on your income (lower - middle class). For Louisiana, in 2019, Obamacare open enrollment is November and December, but we can help you qualify for free any time of year.

Christian Health Insurance
Private Health Coverage for People Who Are Healthy, Christian, Self-Employed, or Middle to High Income

Christian Health Sharing is affordable, but you must be thorough while considering providers. There are many providers, and each one has different strengths and weaknesses. Our staff has read the fine print within each Christian Health Sharing provider’s plan. Based on your needs, we can help find the correct fit. Health Sharing works the way health insurance was initially intended to work: each policyholder pays a monthly premium; premiums go into a shared account; policyholders have medical needs, the Company pays for medical bills from the shared account. The “Christian” designation allows providers to operate under a charitable tax designation. This means they pay no corporate taxes. Compared to private companies like Blue Cross Blue Shield (who pay large corporate taxes), its a difference in overhead which is passed on to consumers that can lower monthly premiums by 40% per month.

Short Term Health Insurance
Private Coverage for People Who Don’t Qualify for Medicaid, Obamacare, or COBRA. Also, Good for Students & Self-Employed.

Pick your coverage, deductible, max out of pocket, & benefits. Short Term Health Insurance is usually in blocks of 3 months or 12 months at a time. It is renewable and affordable. The only risk is that extremely catastrophic health conditions could prevent renewal.

Major Medical
Widely Accepted, Comprehensive Coverage

Major Medical is what most people consider health insurance. It was originally associated as being tax compliant, meaning it avoided all Obamacare tax penalty(s), however tax penalties no longer apply in 2019. It covers everyday needs like doctor visits, but also covers comprehensive needs like hospitalization or emergency room visits. Since Obamacare passed in 2010, many Major Medical providers have left Louisiana (only Vantage and Blue Cross remain). Major Medical is not a limited benefit plan. Many online options are limited benefit plans despite being sold as major medical, so its vastly important to deal with a licensed Louisiana agent who will make sure your doctors are included.

Catastrophic Health Insurance
Low Cost, Basic Coverage.

2 Types:
1. Hospitalization (major injury, critical illness)
2. Preventative and wellness (doctor appointments)

Small Business Insurance (“Group Health”)

For Employers:
Get a free Group Health Insurance quote (compare the newest rates and plans in 2019 to your current group rate and plan). Simply fill out a census form. We can email a census, by request. Contact us at the bottom of the page.

For Employees:
Group Health Insurance is offered through your employer as an employee benefit. Employees should understand their employer contribution(s) for themselves and for their dependents (spouse, children). Employers do not always contribute 100% towards employee(s) and/or dependent(s) coverage. Group Health Insurance is more expensive by nature. Sometimes, even with a current employer contribution, we can offer private options that are less expensive.

 

How Much Does Health Insurance Cost?


The amount you pay monthly in health insurance is called a “premium.” Premiums range depending on these factors: 

  • Individual or Family

  • Age(s)

  • Income (some people qualify for “government-paid” insurance)

  • Zip Code

  • Health Condition (pre-existing conditions vs. good health)

  • Lifestyle (smoker vs. non smoker)

  • Coverage Type and Amount of Benefits (number of doctor appointments needed each year, max out of pocket, etc)

Health Insurance costs can be $0 for low income, $100 for an individual, $500 for a family - up to $2,000 per month if a person wants or requires “Cadillac Coverage.” It really depends how you qualify and what your needs are. Medicaid or Obamacare work best for lower income (we qualify you for both, for free). For higher income earners and small business owners that may not qualify for Medicaid or Obamacare (higher income is $48,000 or more according to Louisiana), they can save money by exploring private health insurance options like Short Term Health Insurance or Christian Health Sharing. We can help you compare each option, no matter what your needs or situation. Call us to discover which is best for you or your family. We are an independent agency, so we compare every plan and provider in an unbiased manner. We can even custom build coverage if it’s a person’s best option. All My Affordable Healthcare Quotes & Services are 100% Free.

 

Why is it Hard to Find Accurate Prices and Information Online?


There is no one size fits all. If health insurance could be done accurately online, everyone would do it. They don’t. Most insurance agencies have offices and people generally meet with an agent in person or by phone. Consumers should avoid any health insurance websites that provide blanket prices and products. Many websites are unregulated and/or located outside of Louisiana. If you’ve purchased health insurance or simply filled your information into online “quote engines” for a quote, than you’ve already seen that they’ll call call to the point of harassment, quote inaccurate prices, and omit coverage details. The most common consumer complaints is after purchasing a product online, than finding out it’s not accepted by their doctor or primary care physician. Generally speaking, act locally (in state).

My Affordable Healthcare guarantees honesty, privacy, no-cost, & experience. Sounds too good to be true? It’s not. Louisianians need a resource they can trust, and we guarantee exactly that. To keep that guarantee though, it likely requires meeting in person. Each individual, family, and business is unique. We understand its a tech-driven world, so we do our best to allow consumers to contact us by email, text, or phone. However, to ensure accuracy, we recommend correspondence to be done with one of our local licensed Louisiana health insurance agents. One mistake during health insurance enrollment could be the difference of $0 - $100,000 in hospital bills. We guarantee your enrollment will be done correctly. Our agents have over 100 years of collective experience, and we’ve been open for over 50 years (since 1968). Submit a message through this website, and we’ll call you to schedule your free appointment.


How Do You Qualify in Health Insurance?

Medicaid, Obamacare, or Private Health Insurance


Each dollar amount = adjusted gross income
Size of Household = number of people who need coverage

2019 Federal Poverty Guidelines - A Health Insurance Subsidy Chart/Calculator Louisiana Qualifications for Medicaid, Obamacare, and/or Private Health Insurance

2019 Federal Poverty Guidelines - A Health Insurance Subsidy Chart/Calculator
Louisiana Qualifications for Medicaid, Obamacare, and/or Private Health Insurance

Income below 138% = Medicaid - click here
Income between 138%-400% = Obamacare - click here
Income above 400% = Private Insurance - click here

Option 1. 
Lower Income

Income below the amount listed in the left-hand column (138%) qualifies for Medicaid. Click Medicaid (for adults) or CHIP (for children). For example, an individual (size of household - 1) who earns less than ($16,753).

Option 2. 
Middle Income

Income between the amount listed in the left-hand column (138%) and the amount listed in the right-hand column (400%) qualifies for Obamacare. Click Here. You likely will receive a government subsidy.

Option 3. 
Higher Income

Income above the amount listed in the right-hand column (400%) qualifies for Private Health Insurance. Click Here. We have certified healthcare reform specialists on staff whose primary expertise are “Alternatives to Obamacare,” which is what you need since you do not qualify for a government subsidy.


 

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