Medica with MU Health Care Gold Standard — full price in Cooper County, Missouri (2026)
Medica with MU Health Care Gold Standard (53461MO0070055), a gold plan from Medica in Cooper County, Missouri, costs $674.37/month full price for a 40-year-old in 2026 — $1432.11 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 53461MO0070055 · 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 | $527.67 |
| 27 | $553.00 |
| 30 | $598.91 |
| 40 | $674.37 |
| 50 | $942.43 |
| 60 | $1432.11 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $715.40/mo. This plan is $674.37/mo at 40 — a difference of $-41.03/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.
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Other gold plans in Cooper County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Medica with MU Health Care Gold $0 Copay PCP Visits | Medica | $661.18 |
| Medica with MU Health Care Gold Share | Medica | $664.44 |
| Standard Gold | Ambetter from Home State Health | $699.68 |
| Everyday Gold | Ambetter from Home State Health | $707.87 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $708.83 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 53461MO0070055 in FIPS 29053.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Cooper County
Reviewed by Jason Burns, Editorial Steward.