CHRISTUS Gold Essential
Gold · HMO · CHRISTUS Health Plan · Louisiana
At age 40 it costs between $633.14 and $794.66 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 98780LA0220012 |
|---|---|
| Insurer | CHRISTUS Health Plan |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $3,750 |
| Deductible (family) | $7,500 |
| Drug deductible | $0 |
| Most you could pay in a year | $9,200 |
| Family maximum | $18,400 |
| Primary care visit | $5 |
| Specialist visit | $35 |
| Emergency room | $950 Copay after deductible |
| Inpatient stay | $950 Copay per Stay after deductible |
| Generic drugs | $10 |
| Preferred brand drugs | $50 |
| Specialty drugs | $150 |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-844-282-3025 · TTY 1-800-846-5277 |
Where it is sold, and what it costs there
8 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Bossier Parish | $495.41 | $562.30 | $633.14 | $884.81 | $1,344.56 |
| Caddo Parish | $495.41 | $562.30 | $633.14 | $884.81 | $1,344.56 |
| Natchitoches Parish | $495.41 | $562.30 | $633.14 | $884.81 | $1,344.56 |
| Red River Parish | $495.41 | $562.30 | $633.14 | $884.81 | $1,344.56 |
| Calcasieu Parish | $575.99 | $653.75 | $736.12 | $1,028.72 | $1,563.24 |
| Grant Parish | $621.80 | $705.75 | $794.66 | $1,110.54 | $1,687.57 |
| Rapides Parish | $621.80 | $705.75 | $794.66 | $1,110.54 | $1,687.57 |
| Vernon Parish | $621.80 | $705.75 | $794.66 | $1,110.54 | $1,687.57 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.