Before subsidies, the benchmark silver plan for a 40-year-old in Terrebonne County cost about $735 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. 2 insurers offered marketplace plans in Terrebonne County for 2026.
Brokers in the Houma area can quote individual, family and self-employed coverage from multiple carriers licensed in Louisiana. Their commission is built into the premium, so using one doesn't raise your price. Here are 12 brokerages within reach of Houma.
Health Insurance Brokers near Houma
Licensed agents can compare plans available in Terrebonne County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What 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.
Broker 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.
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 Houma 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
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Write down the enrollment deadline and confirm your first premium payment.
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
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
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.
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
- Bayou Cane, LA 4 miles
- Bayou Blue, LA 4 miles
- Gray, LA 8 miles
- Raceland, LA 11 miles
- Schriever, LA 13 miles
- Thibodaux, LA 16 miles
- Larose, LA 20 miles
- Chackbay, LA 21 miles
- Cut Off, LA 23 miles
- Galliano, LA 26 miles