Louisiana small employers in 2027: what an ICHRA allowance buys on the individual market (median Silver $869 a month at 40, 6 insurers, PPOs sold), the group.
Prefer to talk? Call (713) 575-9904
Licensed Agents in 31 States · NPN #22052447
The short answer: a Louisiana business with 1 to 50 employees chooses between a small-group plan and reimbursing staff for individual plans. The individual market an ICHRA or QSEHRA allowance buys here prices a 40-year-old’s median Silver at $869 a month for 2027 (+8.3% from 2026), the cheapest Silver filed anywhere in the state is $641 (CHRISTUS, Bossier County), 6 insurers sell, and PPO plans are sold on the marketplace. The owner’s own coverage follows the entity, and the Form 8941 credit follows headcount and wages, the same in every state.
A group quote, an ICHRA costing and the owner’s own plan all start from the same census: who is on payroll, their ages and home counties. Enter your ZIP and a licensed agent runs all four routes for your business, free.
★★★★★
“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
| Median Silver, age 40, full price | $869 a month ($803 in 2026) |
|---|---|
| Cheapest Silver filed, age 40 | $641, CHRISTUS Value Silver, Bossier County (deductible $6,500) |
| Range of Silver medians across counties | $641 to $1,224 |
| Cheapest Silver at 27 / 50 / 60 | $526 / $896 / $1,361 |
| Insurers selling individual plans for 2027 | 6 (6 in 2026) |
| Counties with a single insurer | 0 of 64 |
| Plan types filed | EPO, HMO, POS, PPO |
Source: CMS Plan Year 2027 and 2026 Qualified Health Plan Landscape files, every individual-market plan filed in Louisiana. An ICHRA allowance is spent on these plans; an employee’s age moves the price along the federal curve, up to about three times a 21-year-old’s at 60. Small-group plans are priced separately by each carrier and quoted from a census.
The 2027 premium tax credit line for the owner’s own coverage is $63,840 for one person, $86,560 for a couple and $132,000 for a family of four, on net income; above it the full filed price applies and the private market is the comparison. The deduction route depends on the entity (by entity type). Louisiana against the other states: Plans By State; the 1099 side of Louisiana: Plans For 1099; every county’s plans: Coverage by County.