Elevate by Medica Gold $0 Copay PCP Visits — full price in Clay County, Nebraska (2026)
Elevate by Medica Gold $0 Copay PCP Visits (20305NE0030045), a gold plan from Medica in Clay County, Nebraska, costs $910.24/month full price for a 40-year-old in 2026 — $1933.02 at 60, with a $1,500 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20305NE0030045 · 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 | $712.24 |
| 27 | $746.43 |
| 30 | $808.39 |
| 40 | $910.24 |
| 50 | $1272.06 |
| 60 | $1933.02 |
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 $785.42/mo. This plan is $910.24/mo at 40 — a difference of $124.82/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 Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Gold | Ambetter Health | $776.38 |
| Clear Gold + Vision + Adult Dental | Ambetter Health | $794.88 |
| Standard Gold | Ambetter Health | $796.64 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $815.62 |
| Gold Classic Standard | Oscar Insurance Company | $891.17 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20305NE0030045 in FIPS 31035.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.