Medica Individual Choice Silver $0 Copay PCP Visits — full price in McHenry County, North Dakota (2026)
Medica Individual Choice Silver $0 Copay PCP Visits (73751ND0130047), a silver plan from Medica in McHenry County, North Dakota, costs $837.35/month full price for a 40-year-old in 2026 — $1778.22 at 60, with a $3,500 deductible and $10,450 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73751ND0130047 · 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 | $655.20 |
| 27 | $686.65 |
| 30 | $743.65 |
| 40 | $837.35 |
| 50 | $1170.19 |
| 60 | $1778.22 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $10,450
- Family out-of-pocket max: $20,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $628.26/mo. This plan is $837.35/mo at 40 — a difference of $209.09/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 silver plans in McHenry County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| DakotaBlue Trinity Silver ($5 Value Based Drug List) | Blue Cross Blue Shield of North Dakota | $603.84 |
| Sanford Individual Simplicity $3,500 | Sanford Health Plan | $628.26 |
| Sanford Individual Simplicity Standardized $6,000 | Sanford Health Plan | $639.29 |
| Sanford Individual Simplicity $4,750 | Sanford Health Plan | $661.07 |
| BlueValue Silver $40 PCP Copay (Standardized plan) | Blue Cross Blue Shield of North Dakota | $687.74 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 73751ND0130047 in FIPS 38049.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McHenry County
Reviewed by Jason Burns, Editorial Steward.