Medica Insure Gold $0 Copay PCP Visits — full price in Garden County, Nebraska (2026)
Medica Insure Gold $0 Copay PCP Visits (20305NE0040045), a gold plan from Medica in Garden County, Nebraska, costs $1373.98/month full price for a 40-year-old in 2026 — $2917.82 at 60, with a $1,500 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20305NE0040045 · 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 | $1075.10 |
| 27 | $1126.71 |
| 30 | $1220.24 |
| 40 | $1373.98 |
| 50 | $1920.13 |
| 60 | $2917.82 |
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 $834.38/mo. This plan is $1373.98/mo at 40 — a difference of $539.60/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 Garden County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Clear Gold | Ambetter Health | $824.77 |
| Clear Gold + Vision + Adult Dental | Ambetter Health | $844.42 |
| Standard Gold | Ambetter Health | $846.29 |
| Standard Gold + Vision + Adult Dental | Ambetter Health | $866.46 |
| Gold Classic Standard | Oscar Insurance Company | $913.58 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 20305NE0040045 in FIPS 31069.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Garden County
Reviewed by Jason Burns, Editorial Steward.