Blue Max Copay (PCP) 75/55 $2000 Standardized
Starting at
$1015
/month before subsidy
Blue Max Copay (PCP) 75/55 $2000 Standardized is a 2026 Gold PPO health insurance plan from Blue Cross and Blue Shield of Louisiana, sold on the ACA Marketplace in Louisiana under plan ID 97176LA0340022. The monthly premium starts at $1,015 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,000 ($4,000 for a family), and the individual out-of-pocket maximum is $8,300 ($16,600 for a family). After the deductible, coinsurance is 25% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 97176LA0340022
- Plan year
- 2026
- State
- Louisiana
- Metal level
- Gold
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$2,000
Family: $4,000
Out-of-Pocket Max
$8,300
Family: $16,600
Coinsurance
25%
You pay after deductible
Network Type
PPO
LAN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- 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
$4,710
your estimated cost
- Deductible
- $2,000
- Copays
- $10
- Coinsurance
- $2,640
Managing type 2 diabetes
A year of routine care
$1,480
your estimated cost
- Deductible
- $140
- Copays
- $1,280
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,230
your estimated cost
- Deductible
- $2,000
- Copays
- $220
- Coinsurance
- $10
Enter your ZIP code first to search nearby doctors.
This Gold PPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,707/month
Annual Premium
$12,180
OOP Maximum
$8,300
💡 What this means:
With a $2,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 25% (coinsurance) until you hit $8,300 total. Then insurance covers everything else for the year.
More plans from Blue Cross and Blue Shield of Louisiana in Louisiana
- Blue Max 70/50 $6700 with 2 $0 PCP Virtual Visits HSA Eligiblefrom $659/mo
- Blue Max Copay (PCP) 50/50 $7500 Standardized HSA Eligiblefrom $704/mo
- Blue Saver 60/40 $6100from $754/mo
- Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visitsfrom $994/mo
- Blue Max Copay (PCP) 60/40 $6000 Standardizedfrom $1002/mo
- Blue Saver 90/70 $3400from $1013/mo
- Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visitsfrom $955/mo
Frequently asked questions about Blue Max Copay (PCP) 75/55 $2000 Standardized
How much does Blue Max Copay (PCP) 75/55 $2000 Standardized cost per month?
Blue Max Copay (PCP) 75/55 $2000 Standardized from Blue Cross and Blue Shield of Louisiana starts at $1,015 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) 75/55 $2000 Standardized?
The individual medical deductible is $2,000, and the family deductible is $4,000. 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) 75/55 $2000 Standardized?
The most you would pay in a year for covered in-network care is $8,300 for an individual and $16,600 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) 75/55 $2000 Standardized HSA-eligible?
No. Blue Max Copay (PCP) 75/55 $2000 Standardized 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) 75/55 $2000 Standardized use?
Blue Max Copay (PCP) 75/55 $2000 Standardized 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
- 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.