CHRISTUS Gold
Starting at
$667
/month before subsidy
CHRISTUS Gold is a 2026 Gold HMO health insurance plan from CHRISTUS Health Plan, sold on the ACA Marketplace in Louisiana under plan ID 98780LA0220013. The monthly premium starts at $667 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $9,200 ($18,400 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 98780LA0220013
- Plan year
- 2026
- State
- Louisiana
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$9,200
Family: $18,400
Coinsurance
40%
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
$2,660
your estimated cost
- Deductible
- $0
- Copays
- $1,600
- Coinsurance
- $1,000
Managing type 2 diabetes
A year of routine care
$1,420
your estimated cost
- Deductible
- $0
- Copays
- $1,100
- Coinsurance
- $300
A simple fracture
ER visit + follow-up
$1,400
your estimated cost
- Deductible
- $0
- Copays
- $900
- Coinsurance
- $500
Enter your ZIP code first to search nearby doctors.
This Gold HMO 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
$1,434/month
Annual Premium
$8,004
OOP Maximum
$9,200
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $9,200 total. Then insurance covers everything else for the year.
More plans from CHRISTUS Health Plan in Louisiana
- CHRISTUS Bronze Essentialfrom $443/mo
- 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
Frequently asked questions about CHRISTUS Gold
How much does CHRISTUS Gold cost per month?
CHRISTUS Gold from CHRISTUS Health Plan starts at $667 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 Gold?
The individual medical deductible is $0. 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 Gold?
The most you would pay in a year for covered in-network care is $9,200 for an individual and $18,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is CHRISTUS Gold HSA-eligible?
No. CHRISTUS Gold 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 CHRISTUS Gold use?
CHRISTUS Gold 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.