Open Enrollment runs November 1, 2026–January 15, 2027. Enroll by December 15, 2026 for a January 1, 2027 effective date. Sources: HealthCare.gov.
Titan Legacy Insurance Brokerageand Chidel Family Insurance Inc
CEO, Titan Legacy Insurance Brokerage
President, Chidel Family Insurance Inc
Our licensed team serves clients in all 50 states.
Strength. Integrity. Legacy.
Louisiana only
01
ACA individual plans sold through HealthCare.gov, which Louisiana residents use for Marketplace coverage. Eligible households may qualify for federal premium tax credits only on these plans.
02
ACA-compliant individual plans sold outside HealthCare.gov. They are still major medical coverage, but they are not eligible for federal premium subsidies. Which companies file off-Exchange options can change by year and county.
03
Temporary policies that are not ACA coverage, not minimum essential coverage, and not subsidy-eligible. They can deny applicants and often exclude pre-existing conditions. Review limitations carefully.
These figures are official dates — not a premium quote for you.
Sources: HealthCare.gov.
How we work
A team that works for you
Twenty-five active licensed professionals work for you, the consumer, to find the carrier and policy that best fit your needs. As brokers, we are unbiased about which carrier you choose. We help you understand your options, narrow them down, submit applications, and work toward approval for coverage that balances what you pay in total each year — premium, deductible, copays, and prescriptions — against the benefits you receive. Insurance is not black and white.
A 30-year-old who mainly goes in for an annual physical and a 55-year-old who takes several brand-name medications and hits a deductible every year should not expect the same year-long cost, or the same “best” plan. On ACA and Marketplace plans, the monthly premium cannot be based on your health or medical history; it may vary only by age, where you live, tobacco use, and whether the plan covers dependents. What still differs — often by a lot — is what you pay when you actually use care. Some private, medically underwritten (non-ACA) plans may consider health history, which can favor a healthier applicant and can mean a decline or a different price if you have significant conditions. ACA plans remain guaranteed issue regardless of health. We compare the total yearly picture, not just the premium.
Our licensed team serves clients in all 50 states. This website is written for Louisiana residents.
ACA premium rating rules: HealthCare.gov; CMS Market Rating Reforms.
Louisiana uses the federally facilitated Marketplace at HealthCare.gov. Open Enrollment for 2027 coverage is November 1, 2026 through January 15, 2027. Enroll or change by December 15, 2026 for coverage that starts January 1, 2027. Applications from December 16, 2026 through January 15, 2027 generally start February 1, 2027. After January 15, 2027, you usually need a Special Enrollment Period.
Sources: HealthCare.gov.
Yes. If you are not eligible for Advanced Premium Tax Credits, or you do not want to use them, you can often buy an ACA plan off the Exchange directly from an issuer or through an agent. Off-Exchange plans are still ACA plans when they are filed that way, but they are not eligible for federal premium subsidies. Availability still depends on your county and ZIP code.
No. Short-term limited-duration insurance is not required to follow ACA rules, is not minimum essential coverage, and does not qualify for tax credits. Issuers can refuse applicants and typically do not cover pre-existing conditions. Read the outline of coverage before buying.