Medica Individual Choice Gold Standard — full price in McIntosh County, North Dakota (2026)
Medica Individual Choice Gold Standard (73751ND0130055), a gold plan from Medica in McIntosh County, North Dakota, costs $883.94/month full price for a 40-year-old in 2026 — $1877.15 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73751ND0130055 · 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 | $691.66 |
| 27 | $724.86 |
| 30 | $785.03 |
| 40 | $883.94 |
| 50 | $1235.30 |
| 60 | $1877.15 |
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 $532.56/mo. This plan is $883.94/mo at 40 — a difference of $351.38/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 McIntosh County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Sanford Individual TRUE Standardized $2,000 | Sanford Health Plan | $550.63 |
| Sanford Individual TRUE $1,750 | Sanford Health Plan | $567.12 |
| BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) | Blue Cross Blue Shield of North Dakota | $632.09 |
| 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 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 73751ND0130055 in FIPS 38051.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McIntosh County
Reviewed by Jason Burns, Editorial Steward.