Medica Individual Choice Silver Share — full price in McLean County, North Dakota (2026)
Medica Individual Choice Silver Share (73751ND0130076), a silver plan from Medica in McLean County, North Dakota, costs $860.42/month full price for a 40-year-old in 2026 — $1827.22 at 60, with a $3,525 deductible and $8,850 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73751ND0130076 · 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 | $673.26 |
| 27 | $705.58 |
| 30 | $764.15 |
| 40 | $860.42 |
| 50 | $1202.44 |
| 60 | $1827.22 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,525
- Family deductible: $7,050
- Individual out-of-pocket max: $8,850
- Family out-of-pocket max: $17,700
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $532.56/mo. This plan is $860.42/mo at 40 — a difference of $327.86/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 McLean County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Sanford Individual TRUE $3,500 | Sanford Health Plan | $511.89 |
| Sanford Individual TRUE Standardized $6,000 | Sanford Health Plan | $532.56 |
| Sanford Individual TRUE $4,750 | Sanford Health Plan | $549.55 |
| 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 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 73751ND0130076 in FIPS 38055.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McLean County
Reviewed by Jason Burns, Editorial Steward.