Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.
No major insurer is leaving the Louisiana marketplace for 2027.
In 2026, 5 companies sold Louisiana marketplace plans: Ambetter (Centene), AmeriHealth Caritas, CHRISTUS, Louisiana Blue and UnitedHealthcare.
I'm Sam Jaber, a health insurance broker, and Louisiana is one of the 36 states where I hold a license. Here is the short version for Louisiana: as of my last check, no insurance company is pulling its marketplace plans out of the state for 2027.
That isn't a guess. I went company by company. Five companies sold Louisiana marketplace plans in 2026: Ambetter, AmeriHealth Caritas, CHRISTUS, Louisiana Blue and UnitedHealthcare. Every one of them has a 2027 rate filing on the federal rate review site, which is where a company would be missing if it planned to stop selling. So whether you live in Orleans, East Baton Rouge, Lafayette, Caddo or Calcasieu Parish, the company on your card today should still be selling in Louisiana next year.
A company staying in Louisiana is not the same as your plan staying the same. Insurers can retire a plan, swap in a new one, or change which doctors and hospitals are in network, and the 2027 versions won't be visible until plans post for open enrollment. The federal 2027 plan list is expected in late October, and I'll recheck Louisiana against it. When your renewal letter arrives this fall, read it for three things: whether your plan has a new name or number, whether your doctors are still in it, and what your share of the premium will be after any credit.
On the PPO question, Louisiana is in better shape than many states. In 2026 Louisiana Blue sold marketplace PPO plans in every parish, and nothing I've found changes that. If you're healthy and pay full price, though, I'd still price a nationwide PPO against the marketplace before you renew. You can get one in Louisiana through me, and the network isn't limited to the state, which helps if you work offshore rotations, travel for work, or have family in Texas or Mississippi you visit often.
No Louisiana county loses a marketplace insurer for 2027 from what I checked.
On the marketplace, PPO plans were sold in 64 of Louisiana's 64 counties in 2026. They come from Louisiana Blue.
When an insurance company leaves, your plan doesn't stop overnight. It runs through December 31, 2026, and the company has to tell you in writing first. Federal rules require at least 90 calendar days notice when a company drops a plan, and at least 180 calendar days when it leaves a state's individual market entirely. If your company is leaving and you haven't seen that letter, call the company and ask for it.
What happens next is the part people get wrong. If no plan from your company is left on the marketplace, the federal rule (45 CFR 155.335) says the marketplace may move you to a plan from a different company. It doesn't say it will. The move has to fit state law, it follows the state regulator's direction, and without that direction the marketplace picks a "similar" plan. Nothing in that rule checks your doctors or your prescriptions.
If you bought your plan straight from the company, off the marketplace, the marketplace's re-enrollment rule doesn't reach you at all. You need to pick a new plan yourself.
Open enrollment on HealthCare.gov starts November 1. By then you should get 2 letters: one from your current company and one from the marketplace. The marketplace letter tells you which plan, if any, you'll be moved into if you do nothing by December 15. HealthCare.gov is plain that in some cases you won't be automatically re-enrolled.
Pick by December 15 and your new plan starts January 1. Pick between December 16 and January 15 and it starts February 1, which leaves January uncovered if your old plan ended December 31.
Miss open enrollment and you may still have a way in. Losing a plan because it's discontinued is on HealthCare.gov's list of qualifying events, and the federal rule gives you 60 days before and 60 days after the day your old coverage ends to pick a new plan. Don't build your plan around that window. Confirm you qualify before you count on it.
Here's how I'd think about it, depending on where you are. Each path ends the same way: a call with me before the deadline.
If you earn too much for the credit, you're paying the full marketplace price, and now you're paying it for whatever is left in your county. You have another option. Private plans with medical underwriting run on nationwide PPO networks and are priced on your health, which is how the price for a healthy person can come in under the marketplace's full rate. They ask health questions up front, and the company can decline you or leave out a past condition, so we go through the details together before you choose.
Next step: Call me and I'll price a nationwide PPO for your household next to the Louisiana marketplace plans in your county.
Whatever the marketplace looks like in your county, you can still get a nationwide PPO in Louisiana through me. On the marketplace, PPO plans were sold in 64 of Louisiana's 64 counties in 2026. They come from Louisiana Blue.
Private PPO plans with medical underwriting use networks that work across the country, and for a healthy person who pays full price on the marketplace, they're often worth pricing. I'm licensed in 36 states, and Louisiana is one of them.
Straight answers, no sales pitch.
No major insurer is leaving the Louisiana marketplace for 2027. Every company that sold Louisiana marketplace plans in 2026 has a 2027 rate filing on the federal rate review site.
Maybe, but don't count on it. The federal rule says the marketplace may move you to a similar plan from a different company, as state law and your state regulator allow. HealthCare.gov says that in some cases you won't be automatically re-enrolled, and if you bought off the marketplace, nobody moves you. Pick your own plan.
On HealthCare.gov, pick by December 15 for coverage that starts January 1. Open enrollment runs to January 15, but a plan picked after December 15 starts February 1.
Yes. You can still get a nationwide PPO in Louisiana through me. On the marketplace, PPO plans were sold in 64 of Louisiana's 64 counties in 2026. They come from Louisiana Blue.
Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.
Tell me your county, who's on your plan and what your letter says. I'll show you what's left on the Louisiana marketplace, price a nationwide PPO next to it, and help you pick before the deadline. I'm licensed in 36 states and work by phone.
Every state on the list, and guides for Louisiana