Medica with CHI Health Gold $0 Copay PCP Visits — full price in Sherman County, Nebraska (2026)
Medica with CHI Health Gold $0 Copay PCP Visits (20305NE0050045), a gold plan from Medica in Sherman County, Nebraska, costs $975.46/month full price for a 40-year-old in 2026 — $2071.52 at 60, with a $1,500 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 20305NE0050045 · 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 | $763.27 |
| 27 | $799.91 |
| 30 | $866.31 |
| 40 | $975.46 |
| 50 | $1363.21 |
| 60 | $2071.52 |
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 $975.46/mo at 40 — a difference of $190.04/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 Sherman 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 20305NE0050045 in FIPS 31163.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Sherman County
Reviewed by Jason Burns, Editorial Steward.