Although Gold plans have some of the highest monthly rates, they also cover the most out-of-pocket costs. These are most cost-effective for people with high expected medical costs. Gold plans are considered higher metal tier health plans. Gold plans: Best for high expected medical costs On the other hand, if you're young and healthy - and have the financial means to cover a higher portion of your medical costs in the event of an emergency - a lower metal tier health plan may be the better choice to lower your costs. These plans can be good for those with chronic medical conditions that incur high medical costs or those who get sick often. Higher metal tier health plans, like Gold plans, come with lower out-of-pocket expenses, like deductibles, copays and coinsurance, but they have higher monthly premiums. In Louisiana, the availability and costs of policies will vary depending on the region in which you live. Finding your best health insurance coverage in Louisiana
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