Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits — full price in Saint James County, Louisiana (2026)
Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits (97176LA0340015), a gold plan from Blue Cross and Blue Shield of Louisiana in Saint James County, Louisiana, costs $1016.83/month full price for a 40-year-old in 2026 — $2159.37 at 60, with a $1,500 deductible and $9,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 97176LA0340015 · Issuer: Blue Cross and Blue Shield of 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 | $795.64 |
| 27 | $833.83 |
| 30 | $903.05 |
| 40 | $1016.83 |
| 50 | $1421.01 |
| 60 | $2159.37 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $4,500
- Individual out-of-pocket max: $9,900
- Family out-of-pocket max: $19,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $672.09/mo. This plan is $1016.83/mo at 40 — a difference of $344.74/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 Saint James County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Connect Copay (PCP) 75/55 $2000 Standardized (N) | HMO Louisiana | $683.38 |
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits | HMO Louisiana | $714.22 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized | HMO Louisiana | $746.88 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $766.72 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $784.28 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 97176LA0340015 in FIPS 22093.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint James County
Reviewed by Jason Burns, Editorial Steward.