CHRISTUS Gold Essential Plus — full price in Vernon County, Louisiana (2026)
CHRISTUS Gold Essential Plus (98780LA0220014), a gold plan from CHRISTUS Health Plan in Vernon County, Louisiana, costs $815.63/month full price for a 40-year-old in 2026 — $1732.10 at 60, with a $3,750 deductible and $9,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 98780LA0220014 · Issuer: CHRISTUS Health Plan · 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 | $638.21 |
| 27 | $668.85 |
| 30 | $724.37 |
| 40 | $815.63 |
| 50 | $1139.84 |
| 60 | $1732.10 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,750
- Family deductible: $7,500
- Individual out-of-pocket max: $9,200
- Family out-of-pocket max: $18,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $710.71/mo. This plan is $815.63/mo at 40 — a difference of $104.92/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Vernon County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits | HMO Louisiana | $778.49 |
| CHRISTUS Gold Essential | CHRISTUS Health Plan | $794.66 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized | HMO Louisiana | $814.09 |
| CHRISTUS Standard Gold | CHRISTUS Health Plan | $822.04 |
| CHRISTUS Gold | CHRISTUS Health Plan | $836.82 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 98780LA0220014 in FIPS 22115.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Vernon County
Reviewed by Jason Burns, Editorial Steward.