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BronzeHMOHSA Eligible

AmeriHealth Caritas Next Bronze Essential + No Referrals

AmeriHealth Caritas Next

Starting at

$502

/month before subsidy

Key facts

AmeriHealth Caritas Next Bronze Essential + No Referrals is a 2026 Bronze HMO health insurance plan from AmeriHealth Caritas Next, sold on the ACA Marketplace in Louisiana under plan ID 38246LA0010001. The monthly premium starts at $502 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($21,200 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID
38246LA0010001
Plan year
2026
State
Louisiana
Metal level
Bronze
Plan type
HMO
HSA-eligible
Yes

Individual Deductible

$10,600

Family: $21,200

Out-of-Pocket Max

$10,600

Family: $21,200

Coinsurance

0%

You pay after deductible

Network Type

HMO

LAN001

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$25.00
Specialist VisitNo Charge after deductible
Urgent Care$75.00
Emergency RoomNo Charge after deductible

Prescription Drugs

Generic Drugs$25.00
Brand Name DrugsNo Charge after deductible
Specialty DrugsNo Charge after deductible
What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$10,070

your estimated cost

Deductible
$10,000
Copays
$70
Coinsurance
$0

Managing type 2 diabetes

A year of routine care

$4,600

your estimated cost

Deductible
$4,300
Copays
$300
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,805

your estimated cost

Deductible
$2,800
Copays
$5
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by AmeriHealth Caritas Next. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

This Bronze HMO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.

Consider this plan if you:

  • Rarely visit the doctor beyond annual checkups
  • Have savings to cover the $10,600 deductible if needed
  • Primarily need coverage for unexpected emergencies
  • Want to minimize monthly healthcare expenses

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,385/month

Annual Premium

$6,024

OOP Maximum

$10,600

💡 What this means:

With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.

More plans from AmeriHealth Caritas Next in Louisiana

View all Marketplace plans in Louisiana

Frequently asked questions about AmeriHealth Caritas Next Bronze Essential + No Referrals

How much does AmeriHealth Caritas Next Bronze Essential + No Referrals cost per month?

AmeriHealth Caritas Next Bronze Essential + No Referrals from AmeriHealth Caritas Next starts at $502 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 AmeriHealth Caritas Next Bronze Essential + No Referrals?

The individual medical deductible is $10,600, and the family deductible is $21,200. 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 AmeriHealth Caritas Next Bronze Essential + No Referrals?

The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is AmeriHealth Caritas Next Bronze Essential + No Referrals HSA-eligible?

Yes. AmeriHealth Caritas Next Bronze Essential + No Referrals is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does AmeriHealth Caritas Next Bronze Essential + No Referrals use?

AmeriHealth Caritas Next Bronze Essential + No Referrals is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.

Understand what you'd actually pay

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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.