Essentia Choice Care with Medica Expanded Bronze Standard — full price in Richland County, North Dakota (2026)
Essentia Choice Care with Medica Expanded Bronze Standard (73751ND0140073), a expanded bronze plan from Medica in Richland County, North Dakota, costs $475.42/month full price for a 40-year-old in 2026 — $1009.62 at 60, with a $7,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73751ND0140073 · 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 | $372.00 |
| 27 | $389.86 |
| 30 | $422.23 |
| 40 | $475.42 |
| 50 | $664.40 |
| 60 | $1009.62 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,500
- Family deductible: $15,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $639.29/mo. This plan is $475.42/mo at 40 — a difference of $-163.87/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 expanded bronze plans in Richland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Essentia Choice Care with Medica Bronze Share | Medica | $428.06 |
| BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) | Blue Cross Blue Shield of North Dakota | $434.01 |
| BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan) | Blue Cross Blue Shield of North Dakota | $449.75 |
| BlueDirect Bronze 100 HSA Eligible ($8000 Deductible / $5 Preventive Drug List) | Blue Cross Blue Shield of North Dakota | $460.67 |
| Sanford Individual Simplicity Standardized $7,500 | Sanford Health Plan | $466.36 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 73751ND0140073 in FIPS 38077.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Richland County
Reviewed by Jason Burns, Editorial Steward.