Medica Individual Choice Gold $0 Copay PCP Visits
Gold · HMO · Medica · North Dakota
At age 40 it costs $844.92 a month before any subsidy.
What CMS publishes about it
| Plan ID | 73751ND0130045 |
|---|---|
| Insurer | Medica |
| Metal level | Gold |
| Plan type | HMO |
| 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 1-800-269-7477 |
Where it is sold, and what it costs there
35 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 |
|---|---|---|---|---|---|
| Adams County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Barnes County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Billings County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Bottineau County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Bowman County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Cavalier County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Dickey County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Dunn County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Emmons County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Foster County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Golden Valley County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Grant County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Hettinger County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Kidder County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| LaMoure County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Logan County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| McHenry County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| McIntosh County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| McLean County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Mercer County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Oliver County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Pembina County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Pierce County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Renville County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Rolette County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Sheridan County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Sioux County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Slope County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Stark County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Stutsman County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Towner County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Traill County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Ward County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Wells County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
| Williams County | $661.13 | $750.38 | $844.92 | $1,180.78 | $1,794.31 |
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.