Medica Individual Choice Gold Standard — full price in Saint Croix County, Wisconsin (2026)
Medica Individual Choice Gold Standard (57845WI0040055), a gold plan from Medica in Saint Croix County, Wisconsin, costs $649.67/month full price for a 40-year-old in 2026 — $1379.66 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for Saint Croix County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.
HIOS plan ID: 57845WI0040055 · 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 | $508.35 |
| 27 | $532.75 |
| 30 | $576.98 |
| 40 | $649.67 |
| 50 | $907.91 |
| 60 | $1379.66 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $623.57/mo. This plan is $649.67/mo at 40 — a difference of $26.10/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 Saint Croix County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Engage by Medica Gold $0 Copay PCP Visits | Medica | $622.35 |
| Engage by Medica Gold Share | Medica | $635.31 |
| Engage by Medica Gold Standard | Medica | $642.70 |
| Atlas $2,000 Standard Gold | HealthPartners | $657.72 |
| Atlas $1,300 Gold | HealthPartners | $669.63 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 57845WI0040055 in FIPS 55109.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Saint Croix County
Reviewed by Jason Burns, Editorial Steward.
Source record: privatehealthinsurancedirectanswers.com/plan/wi/saint-croix/57845wi0040055 · Record ID PHI-1X522BOZ