Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits
Starting at
$711
/month before subsidy
Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits is a 2026 Silver POS health insurance plan from HMO Louisiana, sold on the ACA Marketplace in Louisiana under plan ID 19636LA0220014. The monthly premium starts at $711 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,200 ($9,600 for a family), and the individual out-of-pocket maximum is $9,100 ($18,200 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 19636LA0220014
- Plan year
- 2026
- State
- Louisiana
- Metal level
- Silver
- Plan type
- POS
- HSA-eligible
- No
Individual Deductible
$3,200
Family: $9,600
Out-of-Pocket Max
$9,100
Family: $18,200
Coinsurance
20%
You pay after deductible
Network Type
POS
LAN005
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$5,140
your estimated cost
- Deductible
- $3,200
- Copays
- $0
- Coinsurance
- $1,880
Managing type 2 diabetes
A year of routine care
$3,280
your estimated cost
- Deductible
- $3,200
- Copays
- $0
- Coinsurance
- $20
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver POS plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,469/month
Annual Premium
$8,532
OOP Maximum
$9,100
💡 What this means:
With a $3,200 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $9,100 total. Then insurance covers everything else for the year.
More plans from HMO Louisiana in Louisiana
- Blue POS 60/40 $6500 with 2 $0 PCP Virtual Visits HSA Eligiblefrom $490/mo
- Blue POS 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligiblefrom $477/mo
- Community Blue 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligiblefrom $424/mo
- Precision Blue 90/70 $9900 with 2 $0 PCP Virtual Visits (M) HSA Eligiblefrom $474/mo
- Signature Blue 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligiblefrom $405/mo
- Blue Connect Copay (PCP) 50/50 $7500 Standardized (H) HSA Eligiblefrom $483/mo
- Blue Connect Copay (PCP) 50/50 $7500 Standardized (L) HSA Eligiblefrom $525/mo
- Blue Connect Copay (PCP) 50/50 $7500 Standardized (N) HSA Eligiblefrom $483/mo
Frequently asked questions about Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits
How much does Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits cost per month?
Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits from HMO Louisiana starts at $711 per month before any subsidy in Louisiana. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits?
The individual medical deductible is $3,200, and the family deductible is $9,600. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits?
The most you would pay in a year for covered in-network care is $9,100 for an individual and $18,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits HSA-eligible?
No. Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits use?
Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits is a POS plan. POS plans blend HMO and PPO features: you pick a primary care provider and can go out of network at a higher cost.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.