Medica Insure Gold $0 Copay PCP Visits
Gold · EPO · Medica · Nebraska
At age 40 it costs between $1,133.63 and $1,373.98 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 20305NE0040045 |
|---|---|
| Insurer | Medica |
| Metal level | Gold |
| Plan type | EPO |
| Deductible (individual) | $1,500 |
| Deductible (family) | $3,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,800 |
| Family maximum | $17,600 |
| Primary care visit | No Charge |
| Specialist visit | $75 |
| Emergency room | 30% Coinsurance after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $75 |
| Specialty drugs | 60% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-592-8211 · TTY 1-800-833-7352 |
Where it is sold, and what it costs there
59 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Thurston County | $887.03 | $1,006.78 | $1,133.63 | $1,584.24 | $2,407.41 |
| Gage County | $980.03 | $1,112.33 | $1,252.48 | $1,750.33 | $2,659.80 |
| Jefferson County | $980.03 | $1,112.33 | $1,252.48 | $1,750.33 | $2,659.80 |
| Richardson County | $980.03 | $1,112.33 | $1,252.48 | $1,750.33 | $2,659.80 |
| Antelope County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Blaine County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Boone County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Boyd County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Cedar County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Dakota County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Dixon County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Franklin County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Furnas County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Garfield County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Gosper County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Harlan County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Holt County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Keya Paha County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Knox County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Loup County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Madison County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Merrick County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Phelps County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Pierce County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Platte County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Polk County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Rock County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Stanton County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Wayne County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Webster County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Wheeler County | $1,013.20 | $1,149.98 | $1,294.87 | $1,809.57 | $2,749.82 |
| Arthur County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Banner County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Box Butte County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Brown County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Chase County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Cherry County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Cheyenne County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Dawes County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Deuel County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Dundy County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Frontier County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Garden County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Grant County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Hayes County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Hitchcock County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Hooker County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Keith County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Kimball County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Lincoln County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Logan County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| McPherson County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Morrill County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Perkins County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Red Willow County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Scotts Bluff County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Sheridan County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Sioux County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
| Thomas County | $1,075.10 | $1,220.24 | $1,373.98 | $1,920.13 | $2,917.82 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.