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. Below you'll find how coverage works in Houma, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Houma
Licensed agents can compare plans available in Terrebonne County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Houma, LA
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $730/mo before subsidies |
| Terrebonne County benchmark (2026) | $735/mo |
| Plans offered in Terrebonne County (2026) | 17 |
| Plan types | POS, PPO |
| Marketplace insurers in Louisiana (2027) | 5 |
| Medicaid expansion | Yes |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Before you call an agent
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Free enrollment help in Louisiana
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
How much is health insurance in Houma?
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. A licensed agent can quote your exact price.
Which insurers sell marketplace plans in Louisiana?
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.
Where can I buy health insurance in Houma?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
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