Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits — full price in Madison County, Louisiana (2026)
Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits (19636LA0220005), a gold plan from HMO Louisiana in Madison County, Louisiana, costs $778.49/month full price for a 40-year-old in 2026 — $1653.23 at 60, with a $1,000 deductible and $9,700 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 19636LA0220005 · Issuer: HMO Louisiana · 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 | $609.15 |
| 27 | $638.39 |
| 30 | $691.39 |
| 40 | $778.49 |
| 50 | $1087.94 |
| 60 | $1653.23 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,000
- Family deductible: $3,000
- Individual out-of-pocket max: $9,700
- Family out-of-pocket max: $19,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $798.55/mo. This plan is $778.49/mo at 40 — a difference of $-20.06/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 gold plans in Madison County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue POS Copay (PCP) 75/55 $2000 Standardized | HMO Louisiana | $814.09 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $819.13 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $837.90 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $845.32 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) | UnitedHealthcare | $864.31 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 19636LA0220005 in FIPS 22065.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Madison County
Reviewed by Jason Burns, Editorial Steward.