AmeriHealth Caritas Next Silver Essential + No Referrals — full price in East Baton Rouge County, Louisiana (2026)
AmeriHealth Caritas Next Silver Essential + No Referrals (38246LA0010008), a silver plan from AmeriHealth Caritas Next in East Baton Rouge County, Louisiana, costs $703.19/month full price for a 40-year-old in 2026 — $1493.31 at 60, with a $6,100 deductible and $9,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 38246LA0010008 · Issuer: AmeriHealth Caritas Next · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $550.23 |
| 27 | $576.64 |
| 30 | $624.51 |
| 40 | $703.19 |
| 50 | $982.70 |
| 60 | $1493.31 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,100
- Family deductible: $12,200
- Individual out-of-pocket max: $9,000
- Family out-of-pocket max: $18,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $619.57/mo. This plan is $703.19/mo at 40 — a difference of $83.62/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
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Other silver plans in East Baton Rouge County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter from Louisiana Healthcare Connections | $611.59 |
| Focused Silver | Ambetter from Louisiana Healthcare Connections | $619.57 |
| Standard Silver + Vision + Adult Dental | Ambetter from Louisiana Healthcare Connections | $627.91 |
| Community Blue 80/60 $3200 with 2 $0 PCP Virtual Visits | HMO Louisiana | $632.65 |
| Focused Silver + Vision + Adult Dental | Ambetter from Louisiana Healthcare Connections | $636.09 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 38246LA0010008 in FIPS 22033.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in East Baton Rouge County
Reviewed by Jason Burns, Editorial Steward.