AmeriHealth Caritas Next Health Insurance Plans
Real ACA health insurance for individuals and families, with member extras that most cheap Marketplace plans skip.
By Wiley Long III, President – HSA for America
Reviewed by Whitney Kline – Fact checked by Misty Berryman – Updated 10/4/2026
7 states served
3 metal tiers
24/7 MDLIVE virtual care included
For individuals and families
See AmeriHealth Caritas Next Rates for Your State
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
Why AmeriHealth Caritas Next
Shopping for unsubsidized ACA insurance is punishing. The hardest part isn’t finding a plan. It’s knowing which plan will actually work for your household next year.
Families without workplace insurance can see quotes of $1,500 to $2,500 a month, with deductibles north of $8,000 waiting before most benefits kick in. The carrier names all blur together, and so do the plan names inside each carrier.
AmeriHealth Caritas Next was designed to solve part of that problem. It’s a mission-based health plan, part of the AmeriHealth Caritas Family of Companies, offering ACA-compliant Bronze, Silver, and Gold plans in seven states. On-exchange shoppers can use their Advance Premium Tax Credit and, on Silver, cost-sharing reductions. Off-exchange shoppers get High and Low plan options. And every member gets a set of extras that the cheapest Marketplace alternatives tend to leave out.
AmeriHealth Caritas Next Plans at a Glance
Three metal tiers, three benefit designs inside each tier.
AmeriHealth Caritas Next offers Bronze, Silver, and Gold, plus Off-Marketplace High and Low options outside the exchange. Platinum is not part of the lineup.
AMERIHEALTH BRONZE
Bronze is the lowest monthly premium tier — best for healthy households.
- Highest deductible of the three tiers
- All 10 ACA essential benefits
- MDLIVE 24/7 virtual care at no cost
- All Bronze plans are HSA-qualified
- Up to $75 in Healthy Rewards
AMERIHEALTH SILVER
Silver is the subsidy-eligible sweet spot — a balance of premium and cost-share.
- Mid-range premium and deductible
- Cost-sharing reductions for qualifying incomes
- CSR variants 73, 87, and 94 on-exchange
- Select Silver plans are HSA-qualified
AMERIHEALTH GOLD
Gold has the highest premium but the lowest costs when you use care.
- Higher premium, lower deductible
- Best fit for heavier health-care use
- All Silver plan benefits included
- Not HSA-qualified
How To Shop and Enroll in AmeriHealth
Six steps to finding the right AmeriHealth Caritas Next plan.
Run a quote.
Enter your ZIP code, your family size, and your household income in the HSA for America quote tool. The system uses that information to calculate any Advance Premium Tax Credit or cost-sharing reduction you qualify for, so the rates you see are already after any subsidies have been applied.
Compare tiers.
Look at Bronze, Silver, and Gold side by side. Pay attention to the monthly premium, the deductible, and the out-of-pocket maximum.
Verify your providers.
Use the carrier’s Find a Provider tool to confirm your doctors and pharmacies are in-network before you enroll.
Enroll.
Apply online through our quote and enrollment link
Pick your effective date.
Provide your personal and dependent information and complete any required attestations.
Submit and confirm.
Choose your payment method, submit the application, and watch your email for confirmation. Once your enrollment is complete, you will be assigned a Personal Benefits Manager. Your PBM is your point of contact any time you have a question, or if you ever want to look at other plans down the road.
AmeriHealth Caritas Next Plan Comparison
A quick side-by-side comparison of the three metal tiers
| Feature | AmeriHealth Bronze | AmeriHealth Silver | AmeriHealth Gold |
|---|---|---|---|
| Monthly premium | Lowest | Mid-range | Highest |
| Deductible | Highest | Mid-range | Lowest |
| Subsidies on-exchange | Yes | Yes + CSR 73/87/94 | Yes |
| MDLIVE 24/7 virtual care | Included | Included | Included |
| HSA-qualified | All Bronze plans | Some Silver plans | Not HSA-qualified |
| Healthy Rewards | Up to $75 for qualifying members | Up to $75 for qualifying members | Up to $75 for qualifying members |
| Pre-existing conditions | Covered from day one | Covered from day one | Covered from day one |
| Platinum tier offered? | No Platinum available | No Platinum available | No Platinum available |
Exact premium and deductible figures vary by state, age, and tobacco use.
Ready To See Your AmeriHealth Caritas Next Options?
Run your free quote, or talk to a Personal Benefits Manager licensed in your state. No pressure, no obligation.
Or call us directly: 800-913-0172
AmeriHealth Caritas Next Pros and Cons
Where this carrier shines, and where it falls short.
AmeriHealth Pros
- All 10 ACA essential benefits are covered, with no pre-existing condition exclusions and no lifetime caps.
- Subsidy-eligible on the federal Marketplace, including CSR variants 73, 87, and 94 on Silver for qualifying incomes.
- MDLIVE 24/7 virtual care is included at no cost on every plan.
- Up to $75 in Healthy Rewards for qualifying members.
- A Rapid Response and Outreach Team helps members find providers, book appointments, and arrange transportation.
- All Bronze plans are HSA-qualified, and select Silver plans are HSA-qualified too.
AmeriHealth Cons
- Only available in seven states: Delaware, Florida, Indiana, Louisiana, North Carolina, Ohio, and South Carolina.
- Network-based plans — out-of-network care is generally not paid for except in emergencies.
- There’s no Platinum tier. The highest tier offered is Gold.
- Gold plans are not HSA-qualified, so HSA-pairing shoppers need to stay on Bronze or a qualifying Silver plan.
AmeriHealth Member Benefits That Earn Their Keep
MDLIVE 24/7 virtual care
Talk to a licensed clinician from your couch, at two in the morning, with no copay. Every plan includes unlimited MDLIVE virtual visits for non-emergency care, 24 hours a day, seven days a week.
Healthy Rewards Program
Earn up to $75 in rewards for completing healthy activities like annual physicals and preventive screenings.
Free WW® membership
Qualified members ages 18 to 64 get an online WW membership free for six months. No credit card, no catch.
Children's vision care at no cost
One in-network children’s eye exam and one pair of children’s glasses per year, included on every plan.
Rapid Response and Outreach Team
Registered nurses, social workers, and care connectors help you find a provider, book appointments, and even arrange transportation to a visit.
For Further Reading
Pair another HSA-compatible plan you may also be shopping with an HSA-qualifying MEC to capture extra tax savings.
Note: cannot be paired with AmeriHealth Caritas Next.
An HSA-compatible healthshare alternative if you want a less expensive, non-insurance option.
AmeriHealth Caritas Next FAQs
Q: Where is AmeriHealth Caritas Next available?
Q: What extras are included with an AmeriHealth Caritas Next plan at no additional cost?
A: 24/7 MDLIVE virtual visits, one children’s eye exam and glasses per year, and access to the Rapid Response and Outreach Team. Qualifying members can also earn up to $75 in Healthy Rewards. The full list varies slightly by state.
Q: Does AmeriHealth Caritas Next cover pre-existing conditions?
A: Yes. Every plan is an ACA-regulated Qualified Health Plan, so pre-existing conditions are covered from the day your plan starts, with no waiting periods or exclusions, across all tiers and variants.
Q: Can I use AmeriHealth Caritas Next with a Health Savings Account?
A: Yes, with the right plan choice. All Bronze plans are HSA-qualified, and some Silver plans are too. Start with Bronze, or ask a Personal Benefits Manager to identify the qualifying Silver plans in your state.
What Our Clients Say
We have helped over 16 thousand people find health insurance or a health sharing plan.
“I was paying way too much through my old insurance broker. HSA for America helped me find a health plan that cut my monthly premium nearly in half. It’s been a total game-changer for my budget.”
– Carlos Ramirez, Tempe, AZ
“I was skeptical at first, but after comparing options with HSA for America, I realized I could save over $1,500 a year and still keep the doctors I like. They made the whole process super easy.”
– Susan Lee, Albuquerque, NM
“Wiley Long before him have made continuing with HSA-eligible health insurance a breeze during the very confusing transition to the Affordable Care Act. You’ve saved me time and money, and continue to be a solid, easily available resource to this self-insured businessman. Please, please keep up the great work! Excellent.”
-Jay Macdonald, Clearwater, FL
” Excellent. Leslie was very helpful and pleasant to work with. I got answers to my emails very quickly. Leslie also showed me ways to save a substantial amount of money. Excellent. Very knowledgeable.”
– Rita Shepherd, Red Bluff, CA
“I can’t thank Leslie enough for her guidance. She made a complex process feel simple and stress-free. Her knowledge of HSA-compatible plans helped me save hundreds while still getting great coverage. Outstanding service!”
– Karen Miller, Fort Collins, CO
“Thanks to Mike Montes at HSA for America, I’m saving nearly $200 a month on my premiums. He showed me how to pair the right plan with an HSA to get tax savings too. That’s real money back in my pocket.”
– Allison J., Colorado Springs, CO
“As a small business owner, every dollar counts. Christine helped me lower my costs without sacrificing coverage, and the health plan option she recommended is giving me major tax advantages. Highly recommend!”
– Derek P., Reno, NV
Have More Questions?
You can see your rates and enroll online whenever you are ready. If you would rather have questions answered first, schedule a time with one of our Personal Benefits Managers. They can make sure you are on the lower cost membership that fits your household, and get you enrolled.
It is a short conversation, and you will finish it with your questions answered.
For over 20 years we have helped individuals, families, and small businesses find better healthcare at a lower cost.
Phone: 800-913-0172
Hours: Monday to Friday, 8am to 6pm MT
See AmeriHealth Caritas Next Rates for Your State
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
Or call 800-913-0172
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Contact Information:
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Disclaimer: We work hard to keep this information accurate, but we cannot guarantee it. Information may be out of date. We provide this content for informational purposes only and do not guarantee price or coverage.
We do not provide accounting, legal, tax, or other professional advice on this site. Determination of the actual price is subject to the Carriers.
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