Health insurance prices in St. James Parish, LA (2026)
32 marketplace plans from 2 insurers. Cheapest plan $477/mo; typical Silver $759/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 1.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $477–$803 (typical $558) · Silver $651–$1,079 (typical $759) · Gold $683–$1,080 (typical $784)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of LouisianaBCBS Louisiana (Blue Cross Blue Shield company) | 19 | $477 | $528 | $735 | $747 | Blue POS 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible | |
| UnitedHealthcareUnitedHealth Group | 13 | $522 | $567 | $765 | $788 | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) |
All 32 plans in St. James Parish, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Louisiana | Blue POS 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible | Bronze | POS | $477 | $9,900 | $10,600 | $16,322 | |
| Blue Cross and Blue Shield of Louisiana | Blue Connect Copay (PCP) 50/50 $7500 Standardized (N) HSA Eligible | Expanded Bronze | POS | $483 | $7,500 | $10,000 | $15,796 | |
| Blue Cross and Blue Shield of Louisiana | Blue POS 60/40 $6500 with 2 $0 PCP Virtual Visits HSA Eligible | Bronze | POS | $490 | $6,500 | $10,600 | $16,476 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) | Bronze | EPO | $522 | $10,600 | $10,600 | $16,861 | |
| Blue Cross and Blue Shield of Louisiana | Blue POS Copay (PCP) 50/50 $7500 Standardized HSA Eligible | Expanded Bronze | POS | $528 | $7,500 | $10,000 | $16,335 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $558 | $7,500 | $10,000 | $16,701 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | EPO | $576 | $7,500 | $10,000 | $16,914 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $592 | $0 | $10,600 | $17,704 | |
| Blue Cross and Blue Shield of Louisiana | Blue Connect 80/60 $3200 with 2 $0 PCP Virtual Visits (N) | Silver | POS | $651 | $3,200 | $9,100 | $16,908 | |
| Blue Cross and Blue Shield of Louisiana | Blue Connect Copay (PCP) 60/40 $6000 Standardized (N) | Silver | POS | $672 | $6,000 | $8,900 | $16,965 | |
| Blue Cross and Blue Shield of Louisiana | Blue Connect Copay (PCP) 75/55 $2000 Standardized (N) | Gold | POS | $683 | $2,000 | $8,300 | $16,501 | |
| Blue Cross and Blue Shield of Louisiana | Blue Max 70/50 $6700 with 2 $0 PCP Virtual Visits HSA Eligible | Bronze | PPO | $702 | $6,700 | $10,600 | $19,022 | |
| Blue Cross and Blue Shield of Louisiana | Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits | Silver | POS | $711 | $3,200 | $9,100 | $17,634 | |
| Blue Cross and Blue Shield of Louisiana | Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits | Gold | POS | $714 | $1,000 | $9,700 | $18,271 | |
| Blue Cross and Blue Shield of Louisiana | Blue POS Copay (PCP) 60/40 $6000 Standardized | Silver | POS | $735 | $6,000 | $8,900 | $17,714 | |
| Blue Cross and Blue Shield of Louisiana | Blue POS Copay (PCP) 75/55 $2000 Standardized | Gold | POS | $747 | $2,000 | $8,300 | $17,263 | |
| UnitedHealthcare | UHC Silver Value ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $747 | $4,000 | $10,600 | $19,570 | |
| Blue Cross and Blue Shield of Louisiana | Blue Max Copay (PCP) 50/50 $7500 Standardized HSA Eligible | Expanded Bronze | PPO | $750 | $7,500 | $10,000 | $19,000 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $754 | $6,000 | $8,900 | $17,943 | |
| UnitedHealthcare | UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $765 | $4,000 | $10,600 | $19,783 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $767 | $2,000 | $8,300 | $17,501 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | EPO | $784 | $0 | $9,250 | $18,661 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $787 | $0 | $10,150 | $19,593 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | EPO | $791 | $950 | $9,600 | $19,095 | |
| Blue Cross and Blue Shield of Louisiana | Blue Saver 60/40 $6100 | Expanded Bronze | PPO | $803 | $6,100 | $8,300 | $17,938 | |
| UnitedHealthcare | UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $805 | $0 | $10,150 | $19,807 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | EPO | $809 | $950 | $9,600 | $19,308 | |
| Blue Cross and Blue Shield of Louisiana | Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits | Gold | PPO | $1,017 | $1,500 | $9,900 | $22,102 | |
| Blue Cross and Blue Shield of Louisiana | Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits | Silver | PPO | $1,059 | $3,300 | $9,900 | $22,604 | |
| Blue Cross and Blue Shield of Louisiana | Blue Max Copay (PCP) 60/40 $6000 Standardized | Silver | PPO | $1,067 | $6,000 | $8,900 | $21,699 | |
| Blue Cross and Blue Shield of Louisiana | Blue Saver 90/70 $3400 | Silver | PPO | $1,079 | $3,400 | $8,300 | $21,246 | |
| Blue Cross and Blue Shield of Louisiana | Blue Max Copay (PCP) 75/55 $2000 Standardized | Gold | PPO | $1,080 | $2,000 | $8,300 | $21,263 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $477 | $558 | $803 | 11 | $7,500 | $10,000 | $16,861 |
| Silver | $651 | $759 | $1,079 | 12 | $3,700 | $9,100 | $19,581 |
| Gold | $683 | $784 | $1,080 | 9 | $1,500 | $9,250 | $18,661 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.