Louisiana runs on small business. We help owners compare the group health plans actually available to their team, explain the trade-offs in plain English, and handle enrollment, at zero cost to you.
A licensed broker will contact you within 1 business hour with your personalized group health options.
Need it faster? Call us directly:
(863) 270-9820
We price the same three funding models big benefits teams evaluate, built for teams of 1 to 50.
No long process and no cost to you. Most Louisiana groups go from census to quotes in days.
Ages and ZIP codes for whoever would enroll. No medical history required up front, and asking for a quote commits you to nothing.
We price the fully-insured plans open to your group in Louisiana against level-funded and ICHRA alternatives, then show you the trade-offs in plain numbers.
Once you choose, we handle onboarding, answer your employees' questions directly, and come back every year to re-shop the renewal instead of rubber-stamping it.
Insurance is regulated state by state, so the honest answer to "what will this cost" always starts local.
Louisiana enrolls Marketplace plans through the federal exchange, Healthcare.gov. There is no state exchange, and rating areas across the state price quite differently.
Louisiana expanded Medicaid, covering adults up to roughly 138% of the federal poverty level, which reshaped coverage for lower-wage service and hospitality staff.
Louisiana's small-group market is served by a handful of carriers, with the deepest networks in the New Orleans and Baton Rouge metros. Group pricing and network breadth vary noticeably across the state.
Louisiana has established processes for coverage continuity and special enrollment considerations after federally declared disasters. If a storm disrupts your business or your enrollment window, that is worth asking about rather than assuming a deadline was missed.
Carriers file rates by rating area, so the same plan prices differently across New Orleans, Baton Rouge, Shreveport, and Lafayette. If your team is spread out, that spread shows up inside your own quote, and it is worth getting the census right.
Shopping for yourself rather than a team? Our Louisiana individual and self-employed guide covers marketplace, off-exchange, and underwritten options.
These are not interchangeable, and the right one depends on your census. We quote all three.
One fixed premium, guaranteed issue for 1 to 50 employees, and no one on your team can be turned down for health reasons. The safest choice when you want certainty and a benefit that recruits.
Your monthly payment covers administration, stop-loss protection, and a claims fund sized to your group. Come in under expectations and part of that fund can come back to the business.
Instead of buying a plan, you fund a defined monthly allowance and employees choose their own coverage. Your budget is fixed by design and there are no participation minimums to hit.
A few of the industries that come to us most often here, and what tends to drive the decision in each.
New Orleans operators run tight margins and high turnover, where the employee-tier contribution is the whole ballgame.
How we approach it: We price fully insured against level funded on the real census, and say plainly which the roster supports.
Baton Rouge plant services and specialty contractors need coverage that works for skilled hourly crews.
How we approach it: We quote every structure that could fit and spell out the trade-off in each rather than leading with one product.
Gulf Coast service companies manage rotational schedules that complicate eligibility and waiting periods.
How we approach it: We start by sorting who is actually eligible, then price only the structures that survive that answer.
Small practices and firms across the state hire staff who compare benefits directly.
How we approach it: We model the options side by side and tell you which one we would choose if it were our own payroll.
The questions Louisiana owners actually ask us first.
One short form and a simple census is all we need. You'll get a real comparison across structures, at no cost, with no obligation to move.
Get My Free Quote → Or call (863) 270-9820