Before subsidies, the benchmark silver plan for a 40-year-old in St. Mary County cost about $730 a month for 2026, and the Louisiana average for 2027 is $730 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in St. Mary County for 2026.
A health insurance broker in Franklin works for you, not for one insurance company. Brokers are licensed in Louisiana to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 12 brokerages near Franklin, sorted by distance.
Health Insurance Brokers near Franklin
Licensed agents can compare plans available in St. Mary County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Louisiana.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Carriers a Franklin broker can quote
For 2027, marketplace plans in Louisiana come from 5 insurers: Louisiana Blue (BCBS of Louisiana / HMO Louisiana), Ambetter from Louisiana Healthcare Connections, AmeriHealth Caritas, UnitedHealthcare and CHRISTUS Health Plan. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
Before you call an agent
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Write down the enrollment deadline and confirm your first premium payment.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
Checking an agent's license in Louisiana
- Louisiana's Department of Insurance offers a free online Verify Producer or Adjuster License search. It shows a producer's license status and current insurer appointments. Source
- The Louisiana Department of Insurance licenses insurance agents and producers and oversees insurers in the state. Its Consumer Complaint Division investigates complaints when a problem with an agent or company can't be resolved directly. Source
Frequently asked questions
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
How do I find a good health insurance broker in Franklin?
Look for a broker licensed in Louisiana who can quote several carriers, is certified with the HealthCare.gov, and has reviews from local clients. You can verify any license with the Louisiana insurance regulator.
When can I buy a plan?
During open enrollment (Nov 1 to January 15 on the HealthCare.gov), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
Brokers in nearby cities
- Jeanerette, LA 13 miles
- Patterson, LA 14 miles
- Morgan City, LA 20 miles
- New Iberia, LA 24 miles
- St. Martinville, LA 30 miles
- Broussard, LA 36 miles
- Youngsville, LA 36 miles
- Donaldsonville, LA 38 miles
- Plaquemine, LA 38 miles
- Abbeville, LA 39 miles