Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits — full price in Saint Mary County, Louisiana (2026)
Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits (19636LA0220005), a gold plan from HMO Louisiana in Saint Mary County, Louisiana, costs $754.21/month full price for a 40-year-old in 2026 — $1601.67 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 | $590.15 |
| 27 | $618.48 |
| 30 | $669.82 |
| 40 | $754.21 |
| 50 | $1054.01 |
| 60 | $1601.67 |
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 $729.89/mo. This plan is $754.21/mo at 40 — a difference of $24.32/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 Mary County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Connect Copay (PCP) 75/55 $2000 Standardized (L) | HMO Louisiana | $742.16 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized | HMO Louisiana | $788.69 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $832.97 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $852.05 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | UnitedHealthcare | $859.61 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 19636LA0220005 in FIPS 22101.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Mary County
Reviewed by Jason Burns, Editorial Steward.