Medica Individual Choice Gold $0 Copay PCP Visits — full price in Traill County, North Dakota (2026)
Medica Individual Choice Gold $0 Copay PCP Visits (73751ND0130045), a gold plan from Medica in Traill County, North Dakota, costs $844.92/month full price for a 40-year-old in 2026 — $1794.31 at 60, with a $1,500 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73751ND0130045 · 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 | $661.13 |
| 27 | $692.86 |
| 30 | $750.38 |
| 40 | $844.92 |
| 50 | $1180.78 |
| 60 | $1794.31 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $8,800
- Family out-of-pocket max: $17,600
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $532.56/mo. This plan is $844.92/mo at 40 — a difference of $312.36/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 Traill 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 73751ND0130045 in FIPS 38097.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Traill County
Reviewed by Jason Burns, Editorial Steward.