Medica Insure Gold $0 Copay PCP Visits — full price in Hardin County, Iowa (2026)
Medica Insure Gold $0 Copay PCP Visits (93078IA0060045), a gold plan from Medica in Hardin County, Iowa, costs $832.26/month full price for a 40-year-old in 2026 — $1767.42 at 60, with a $1,500 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 93078IA0060045 · Issuer: Medica · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $651.22 |
| 27 | $682.48 |
| 30 | $739.14 |
| 40 | $832.26 |
| 50 | $1163.08 |
| 60 | $1767.42 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $8,800
- Family out-of-pocket max: $17,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $460.90/mo. This plan is $832.26/mo at 40 — a difference of $371.36/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Hardin County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Classic Standard | MercyOne | Oscar Insurance Company | $443.74 |
| Gold Elite | MercyOne | Oscar Insurance Company | $471.02 |
| Wellmark Gold Traditional HMO | Wellmark Health Plan of Iowa, Inc. | $480.56 |
| Wellmark Standard Gold HMO | Wellmark Health Plan of Iowa, Inc. | $489.15 |
| Standard Gold | Ambetter Health | $491.15 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 93078IA0060045 in FIPS 19083.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Hardin County
Reviewed by Jason Burns, Editorial Steward.