2024 Brings New Opportunities

For People on Employer-Sponsored Health Insurance

Unaffordable Plans Will Qualify Some for Financial Assistance

Thanks to recent federal changes, more Louisianians are now eligible to shop for individual health plans and use financial credits they qualify for to pay their premiums for plans on Healthcare.gov.

If an individual is employed and has insurance available through an employer, financial assistance is available if the employer’s insurance is considered unaffordable. 

The annual Open Enrollment Period for Healthcare.gov (for people who don’t get coverage through a job, don’t qualify for Medicare/Medicaid and buy individual health plans) begins Nov. 1 and runs until Jan. 15, 2024.


Read More on Straight Talk


How to calculate whether your employer-based family plan is unaffordable:
Before you start shopping for individual family plans, you may want to determine whether your employer-based family plan is affordable or not. Go to Healthcare.gov to calculate. You will need to create an account first.


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What Changed?
For all health plan coverage effective Jan. 1, 2023 and beyond, if an employer makes an offer of health insurance coverage to an employee’s spouse or dependents that is deemed unaffordable by the federal standard of costing 9.12% or more of total household income, they can shop for individual plans on Healthcare.gov. And, they can use any advanced premium tax credits they qualify for to help pay for that coverage.

Key Enrollment Dates

  • Enroll in a Healthcare.gov plan by Dec. 15, 2023 for coverage that starts Jan. 1, 2024
  • Healthcare.gov Open Enrollment Period ends Jan. 15, 2024 
  • Coverage on plans enrolled in between Dec. 16, 2023 and Jan. 15, 2024 will start Feb. 1, 2024

What's Better for You?

Employer-based health insurance or a Healthcare.gov plan

Calculate premiums/subsidies
Use the calculator at Healthcare.gov to find out if your health plan is affordable and to estimate your subsidy. You will need to create an account.

Compare plans
Look at deductibles and out-of-pocket maximums, providers (network), prescription drug coverage, perks, etc. at Healthcare.gov and compare them to what your employer offers.

Connect with an agent
Call, click or come in to talk to a pro. Click the button below or call 1-833-479-3004 (TTY 711).

Get a Quote
Shop now for health insurance online

Shop online

If your plan qualifies as unaffordable, shop online and we’ll help you to get a government break on your plan's cost.

Shop with the help of an agent

Shop with an Agent

Call 1-833-479-3004, Monday-Friday 8am to 8pm, visit one of our regional offices, or have an agent contact you.

Regional Offices


318-442-8107 (Individual)
318-448-1660 (Group)

4508 Coliseum Blvd., Suite A
Alexandria, LA 71303

Baton Rouge

225-295-2527 (Individual)
225-295-2556 (Group)

5525 Reitz Ave.
Baton Rouge, LA 70809


985-223-3499 (Individual)
985-223-3499 (Group)

1437 St. Charles St.,
Suite 135 Houma, LA 70360


337-231-0005 (Individual)
337-232-7527 (Group)

5501 Johnston St.
Lafayette, LA 70503

Lake Charles

337-480-5315 (Individual)
337-562-0595 (Group)

219 W. Prien Lake Road
Lake Charles, LA 70601


318-398-4955 (Individual)
318-323-1479 (Group)

2360 Tower Dr., Suite 102
Monroe, LA 71201

New Orleans Tower


1340 Poydras St., Suite 100
New Orleans, LA 70112


318-795-4911 (Individual)
318-795-0573 (Group)

411 Ashley Ridge Blvd.
Shreveport, LA 71106

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