Medica Individual Choice Gold $0 Copay PCP Visits — full price in Polk County, Wisconsin (2026)
Medica Individual Choice Gold $0 Copay PCP Visits (57845WI0040074), a gold plan from Medica in Polk County, Wisconsin, costs $629.10/month full price for a 40-year-old in 2026 — $1335.98 at 60, with a $1,500 deductible and $8,800 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 57845WI0040074 · 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 | $492.26 |
| 27 | $515.88 |
| 30 | $558.71 |
| 40 | $629.10 |
| 50 | $879.17 |
| 60 | $1335.98 |
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 $624.62/mo. This plan is $629.10/mo at 40 — a difference of $4.48/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 Polk County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Medica Individual Choice Gold Share | Medica | $642.21 |
| Medica Individual Choice Gold Standard | Medica | $649.67 |
| Atlas $2,000 Standard Gold | HealthPartners | $657.72 |
| Atlas $1,300 Gold | HealthPartners | $669.63 |
| Anthem Gold Preferred/Broad 1000 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Anthem Blue Cross and Blue Shield | $956.56 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 57845WI0040074 in FIPS 55095.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Polk County
Reviewed by Jason Burns, Editorial Steward.