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SilverPPO

Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits

Blue Cross and Blue Shield of Louisiana

Starting at

$994

/month before subsidy

Key facts

Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits is a 2026 Silver PPO health insurance plan from Blue Cross and Blue Shield of Louisiana, sold on the ACA Marketplace in Louisiana under plan ID 97176LA0340010. The monthly premium starts at $994 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,300 ($9,900 for a family), and the individual out-of-pocket maximum is $9,900 ($19,800 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.

Plan ID
97176LA0340010
Plan year
2026
State
Louisiana
Metal level
Silver
Plan type
PPO
HSA-eligible
No

Individual Deductible

$3,300

Family: $9,900

Out-of-Pocket Max

$9,900

Family: $19,800

Coinsurance

50%

You pay after deductible

Network Type

PPO

LAN001

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

Medical Services

Primary Care Visit$40.00
Specialist Visit$65.00
Urgent Care$65.00
Emergency Room50.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs$15.00 Copay after deductible
Brand Name Drugs30.00% Coinsurance after deductible
Specialty Drugs20.00% Coinsurance after deductible
CMS Quality Rating
The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.
3.0overall
Medical care

How well doctors manage and coordinate care

Member experience

Member-survey satisfaction with the plan

Plan administration

Customer service, billing, and access to information

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

$8,000

your estimated cost

Deductible
$3,310
Copays
$0
Coinsurance
$4,630

Managing type 2 diabetes

A year of routine care

$1,870

your estimated cost

Deductible
$640
Copays
$490
Coinsurance
$680

A simple fracture

ER visit + follow-up

$2,550

your estimated cost

Deductible
$2,420
Copays
$130
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 Blue Cross and Blue Shield of Louisiana. 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 Silver PPO 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.

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

If you max out this year

$1,819/month

Annual Premium

$11,928

OOP Maximum

$9,900

💡 What this means:

With a $3,300 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,900 total. Then insurance covers everything else for the year.

More plans from Blue Cross and Blue Shield of Louisiana in Louisiana

View all Marketplace plans in Louisiana

Frequently asked questions about Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits

How much does Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits cost per month?

Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits from Blue Cross and Blue Shield of Louisiana starts at $994 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 Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits?

The individual medical deductible is $3,300, and the family deductible is $9,900. 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 Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits?

The most you would pay in a year for covered in-network care is $9,900 for an individual and $19,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits HSA-eligible?

No. Blue Max Copay (PCP) 50/50 $3300 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 Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits use?

Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.

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.