Health Insurance New Orleans: Compare Crescent City Plans With a Licensed Agent

Health insurance New Orleans residents pick should survive storm season, shift changes and rising rates. Vivna is a licensed, independent agency that shops 50+ carriers for you. You never pay us a fee, and your premium stays the same.

New Orleans is one city and one parish, Orleans Parish. Roughly one in ten residents under 65 has no coverage. Also, more than one in five lives below the poverty line. Ring 888-730-6001 and we will sort out your Medicaid, tax credit and plan choices.

New Orleans at a glance	Local detail
Parish	Orleans Parish, which shares its borders with the city
Population	About 362,000 residents
No coverage, under 65	About 9.5 percent
Residents in poverty	About 23 percent
Major hospitals	University Medical Center, Ochsner Baptist, Touro, Tulane, Children's Hospital New Orleans

Curious what health insurance New Orleans plans cost for your household? Request a free Orleans Parish quote or ring 888-730-6001 today.

Why New Orleans Residents Work With Vivna

Picking health insurance New Orleans workers can afford got tougher this fall. Approved Louisiana Marketplace rates rose about 18 percent on average. In fact, one insurer's increase topped 24 percent.

Our agency carries a BBB A+ rating and belongs to the U.S. Chamber of Commerce. Better yet, a licensed agent picks up at 888-730-6001 during business hours.

Medicaid or Marketplace? We Check Both

Louisiana expanded Medicaid, so many low-income adults qualify for free coverage. Therefore, we screen for Medicaid first and only then price private plans.

Carriers Lined Up for You

Citywide, we weigh carriers such as Ambetter and Louisiana Blue Cross Blue Shield where they serve your ZIP code. Likewise, our agents quote carriers such as UnitedHealthcare where they serve your ZIP code. That way, one call replaces several websites.

Built for Irregular Schedules

Of course, bartenders, musicians and hotel staff rarely work nine to five. So we offer short calls, text-friendly follow-ups and clear written summaries.

Talk It Through

Let us handle the research on health insurance New Orleans plans. Phone 888-730-6001 or open our quick quote form.

New Orleans Health Insurance Options

Health insurance New Orleans households buy usually follows one of five paths. Your income, work and health decide which path wins. Below is a plain look at each one for Orleans Parish.

Healthy Louisiana Medicaid

Adults 19 to 64 can qualify with income up to about $1,836 a month for one person. However, new work rules are arriving at renewals and new applications. Most adults will need 80 hours of work or activity a month, unless an exemption applies.

LaCHIP for Children

LaCHIP covers uninsured kids under 19 at no cost. A household of four can earn up to about $5,968 monthly and still qualify. Above that, the LaCHIP Affordable Plan charges $50 a month per household. Call 888-730-6001 and we will check which program fits.

Marketplace Plans on HealthCare.gov

Louisiana shops on HealthCare.gov. Also, Crescent City shoppers get pre-existing condition coverage and essential benefits on every Marketplace plan. Additionally, bronze and catastrophic plans now work with a health savings account. Compare tiers on our ACA plans page.

Yearly income (single)	Yearly income (family of four)	Help that usually applies
Under about $22,000	Under about $45,500	Medicaid for adults; LaCHIP for kids
$22,000 to $39,900	$45,500 to $82,500	Tax credits plus extra-savings silver plans
$39,900 to $63,840	$82,500 to $132,000	Tax credits on any metal tier
Over $63,840	Over $132,000	Full price, since the 400 percent cliff is back

Remember that Orleans Parish tax credits go only to citizens and eligible immigrants. Learn how they work in our guide to premium tax credits.

Short-Term and Tri-Term Plans

Between restaurant jobs, a UnitedHealthcare short-term plan can fill the gap. Moreover, Louisiana sets no extra time limit beyond federal rules. In Louisiana, short-term terms run 2 months to just under 12 months; ask an agent for options. Meanwhile, UnitedHealthcare tri-term plans stack three terms together. TriTerm Medical offers nearly 3 years of coverage over three terms with one application; premiums may change. Neither is an ACA plan, so pre-existing conditions may not be covered. Compare them on our short-term coverage page and tri-term plans page.

Crescent City Add-On Coverage

Dental and vision coverage for checkups, crowns and lenses
Life insurance policies sized for New Orleans households
Hospital and accident plans that pay cash after a claim

Choose Your Path

Not sure which health insurance New Orleans path fits? Ring 888-730-6001 and a Vivna agent will weigh each path with you. You can also email us for Orleans Parish quotes.

New Orleans Hospitals, Networks and Doctors

Your network decides which health insurance New Orleans patients can truly use. Local shoppers ask most about Ochsner Health and LCMC Health. Still, no single plan opens every hospital door in the city.

For that reason, we confirm doctors before you enroll. Give us your must-have names at 888-730-6001.

University Medical Center and Tulane

University Medical Center New Orleans anchors the downtown medical district. Nearby, Tulane University Medical Center offers academic specialty care. So check both by name if you see specialists.

Ochsner Baptist and Touro

For example, Ochsner Baptist Medical Center serves Uptown patients. Similarly, Touro Infirmary sits along Prytania Street in the Garden District area. However, plans often include one and not the other.

Children's Hospital and the VA

Parents should confirm Children's Hospital New Orleans by name. Also, veterans can use the VA Medical Center downtown alongside private coverage.

Search Before You Switch

Look up any provider with our doctor network search. Then learn why network choice moves your out-of-pocket costs. Finally, call 888-730-6001 to match health insurance New Orleans plans to your doctors.

Health Insurance New Orleans Workers Need

Tourism, conventions, the port and the river trades drive the local economy. Still, many jobs here come without benefits, so workers buy health insurance New Orleans employers skip. As a result, gig workers, musicians and deckhands often shop alone.

Happily, Louisiana's Medicaid expansion and federal tax credits widen your choices. Sort through them with an agent at 888-730-6001.

Hotel, Restaurant and Festival Workers

French Quarter hours swing with Mardi Gras, festivals and convention season. Because income shifts month to month, report changes quickly. Our seasonal worker coverage guide explains how.

Port, River and Maritime Crews

The Port of New Orleans is Louisiana's only deep-water container port. It also ranks as the sixth-largest U.S. cruise port. In addition, truckers hauling port freight can read our CDL driver coverage guide.

Musicians, Artists and Gig Workers

Meanwhile, Frenchmen Street players and rideshare drivers rarely get group plans. Instead, see our gig worker coverage guide for options that move with you.

Part-Time and Multiple-Job Workers

Many residents juggle two part-time jobs without benefits. In that case, our part-time worker guide shows where tax credits help most.

Cover Every Shift

Whatever your job, we will build coverage around it. Dial 888-730-6001 or get free Orleans Parish quotes online.

Health Insurance New Orleans FAQs

Here are health insurance New Orleans questions we hear most from Orleans Parish callers. For statewide answers, open our Louisiana coverage questions library. Or phone 888-730-6001 on weekdays.

What if a hurricane keeps me from enrolling on time?

HealthCare.gov lists a natural disaster, such as a hurricane, as a possible reason for special enrollment. So if a storm or evacuation made you miss a deadline, ask about extra time. Then save proof of the dates.

Does evacuating to another parish change my plan?

Usually not, if the evacuation is short. However, a permanent move can open a 60-day window and change your plan choices. Tell us your new address before you switch.

Will the new Medicaid work rules affect me?

They may, if you are 19 to 64 and not exempt. Parents of children under 14, pregnant women and people with disabilities are among those exempt. Watch your mail and respond to renewal letters.

I lost Medicaid at renewal. What now?

First, know that losing Medicaid or LaCHIP opens a 90-day window for a Marketplace plan. Then tax credits may lower your premium. Call us before the window closes.

Can I keep both Ochsner and LCMC doctors?

Sometimes, though many plans lean toward one system. So bring a list of doctors and hospitals to your quote call.

Where can uninsured New Orleanians get help today?

The New Orleans Health Department runs Health Care for the Homeless and helps with Medicaid, SNAP and WIC applications. Its main line is 504-658-2500.

Can a Florida agency serve Orleans Parish?

Yes. Our office is in Florida, but we serve Louisiana by phone and online. As a result, you get licensed help without a trip across town.

Get Your New Orleans Answer

Our licensed agents answer health insurance New Orleans questions free of charge. Ring 888-730-6001 or tell us about your New Orleans household.

Health Insurance New Orleans Tips and Guides

Smart shoppers study the basics before choosing health insurance New Orleans plans. Also, these guides explain costs, timing and networks without jargon. Need a hand? Call 888-730-6001.

Louisiana and Nearby City Guides

Cost and Coverage Guides

Get Real Numbers

A guide teaches the rules, but a quote shows your price. Then you can choose a Crescent City plan with confidence. Ring 888-730-6001 or ask for a free Orleans Parish rate check today.

More Louisiana City Guides

Live near the city line or work in another town? Compare health insurance New Orleans options with these other Louisiana city guides. Each one covers local hospitals, county programs and the plans sold there.

Statewide help: the Louisiana health insurance guide and our Louisiana health insurance questions and answers.

Questions? Talk With a Licensed New Orleans Agent

A licensed guide makes health insurance New Orleans decisions far less stressful. Even better, our help with health insurance New Orleans coverage is free. Start with a call or a request. After that, we price plans for your ZIP code, and you choose.

For now, the fall Marketplace window spans November 1 to January 15, and dates could change. So pick a plan by December 15 for January 1 coverage. Call 888-730-6001 to get started.

Your Licensed Agent Team

Vivna Inc. agency NPN 19168641 serves Orleans Parish residents.

Our office: 810 SE 8th Ave, Suite A, Deerfield Beach, FL 33441. New Orleans callers reach us Monday through Friday, 8 a.m. to 5 p.m. Central.

Check any agent license with the Louisiana Department of Insurance producer search.

Official New Orleans and Louisiana Resources

HealthCare.gov for Marketplace deadlines and rules
Louisiana Medicaid for Healthy Louisiana and LaCHIP
New Orleans Health Department for local clinics and benefit help

Start Your Free New Orleans Quote

Because we work by phone and online, Vivna Insurance serves all of Orleans Parish. Ring 888-730-6001 or start a free New Orleans quote now.