CHRISTUS Bronze Essential
Starting at
$443
/month before subsidy
CHRISTUS Bronze Essential is a 2026 Expanded_bronze HMO health insurance plan from CHRISTUS Health Plan, sold on the ACA Marketplace in Louisiana under plan ID 98780LA0220002. The monthly premium starts at $443 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,450 ($14,900 for a family), and the individual out-of-pocket maximum is $9,850 ($19,700 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 98780LA0220002
- Plan year
- 2026
- State
- Louisiana
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$7,450
Family: $14,900
Out-of-Pocket Max
$9,850
Family: $19,700
Coinsurance
50%
You pay after deductible
Network Type
HMO
LAN001
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
$8,510
your estimated cost
- Deductible
- $7,450
- Copays
- $1,000
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$4,620
your estimated cost
- Deductible
- $4,000
- Copays
- $600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,600
your estimated cost
- Deductible
- $2,100
- Copays
- $500
- Coinsurance
- $0
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,264/month
Annual Premium
$5,316
OOP Maximum
$9,850
💡 What this means:
With a $7,450 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,850 total. Then insurance covers everything else for the year.
More plans from CHRISTUS Health Plan in Louisiana
- CHRISTUS Bronze Essential Plusfrom $460/mo
- CHRISTUS Standard Expanded Bronzefrom $424/mo
- CHRISTUS Value Bronzefrom $402/mo
- CHRISTUS Value Bronze Plusfrom $419/mo
- CHRISTUS Silver Essentialfrom $566/mo
- CHRISTUS Silver Essential Plusfrom $583/mo
- CHRISTUS Standard Silverfrom $562/mo
- CHRISTUS Value Silverfrom $542/mo
Frequently asked questions about CHRISTUS Bronze Essential
How much does CHRISTUS Bronze Essential cost per month?
CHRISTUS Bronze Essential from CHRISTUS Health Plan starts at $443 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 CHRISTUS Bronze Essential?
The individual medical deductible is $7,450, and the family deductible is $14,900. 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 CHRISTUS Bronze Essential?
The most you would pay in a year for covered in-network care is $9,850 for an individual and $19,700 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is CHRISTUS Bronze Essential HSA-eligible?
Yes. CHRISTUS Bronze Essential 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 CHRISTUS Bronze Essential use?
CHRISTUS Bronze Essential 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
- 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.