BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) — full price in LaMoure County, North Dakota (2026)
BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) (37160ND2410022), a gold plan from Blue Cross Blue Shield of North Dakota in LaMoure County, North Dakota, costs $632.09/month full price for a 40-year-old in 2026 — $1342.32 at 60, with a $2,600 deductible and $4,300 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 37160ND2410022 · Issuer: Blue Cross Blue Shield of North Dakota · 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 | $494.59 |
| 27 | $518.33 |
| 30 | $561.36 |
| 40 | $632.09 |
| 50 | $883.34 |
| 60 | $1342.32 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,600
- Family deductible: $5,200
- Individual out-of-pocket max: $4,300
- Family out-of-pocket max: $8,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $639.29/mo. This plan is $632.09/mo at 40 — a difference of $-7.20/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 LaMoure County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueCare Gold $10 PCP Copay ($5 Value Based Drug List) | Blue Cross Blue Shield of North Dakota | $641.84 |
| BlueValue Gold $30 PCP Copay (Standardized plan) | Blue Cross Blue Shield of North Dakota | $659.22 |
| Sanford Individual Simplicity Standardized $2,000 | Sanford Health Plan | $663.41 |
| Sanford Individual Simplicity $1,750 | Sanford Health Plan | $687.76 |
| Medica Individual Choice Gold $0 Copay PCP Visits | Medica | $844.92 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 37160ND2410022 in FIPS 38045.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in LaMoure County
Reviewed by Jason Burns, Editorial Steward.