Altru Prime by Medica Bronze $0 Copay PCP Visits
Starting at
$457
/month before subsidy
Altru Prime by Medica Bronze $0 Copay PCP Visits is a 2026 Expanded_bronze HMO health insurance plan from Medica, sold on the ACA Marketplace in North Dakota under plan ID 73751ND0120041. The monthly premium starts at $457 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,500 ($15,000 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 73751ND0120041
- Plan year
- 2026
- State
- North Dakota
- Metal level
- Expanded_bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$7,500
Family: $15,000
Out-of-Pocket Max
$10,600
Family: $21,200
Coinsurance
50%
You pay after deductible
Network Type
HMO
NDN003
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$9,370
your estimated cost
- Deductible
- $7,500
- Copays
- $10
- Coinsurance
- $1,800
Managing type 2 diabetes
A year of routine care
$2,000
your estimated cost
- Deductible
- $1,100
- Copays
- $900
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,600
- Copays
- $200
- Coinsurance
- $0
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,340/month
Annual Premium
$5,484
OOP Maximum
$10,600
💡 What this means:
With a $7,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from Medica in North Dakota
- Altru Prime by Medica Bronze Sharefrom $419/mo
- Altru Prime by Medica Expanded Bronze Standardfrom $465/mo
- Essentia Choice Care with Medica Bronze $0 Copay PCP Visitsfrom $391/mo
- Essentia Choice Care with Medica Bronze Sharefrom $358/mo
- Essentia Choice Care with Medica Expanded Bronze Standardfrom $397/mo
- Medica Individual Choice Bronze $0 Copay PCP Visitsfrom $602/mo
- Medica Individual Choice Bronze Sharefrom $552/mo
- Medica Individual Choice Expanded Bronze Standardfrom $512/mo
Frequently asked questions about Altru Prime by Medica Bronze $0 Copay PCP Visits
How much does Altru Prime by Medica Bronze $0 Copay PCP Visits cost per month?
Altru Prime by Medica Bronze $0 Copay PCP Visits from Medica starts at $457 per month before any subsidy in North Dakota. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Altru Prime by Medica Bronze $0 Copay PCP Visits?
The individual medical deductible is $7,500, and the family deductible is $15,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Altru Prime by Medica Bronze $0 Copay PCP Visits?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Altru Prime by Medica Bronze $0 Copay PCP Visits HSA-eligible?
Yes. Altru Prime by Medica Bronze $0 Copay PCP Visits is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Altru Prime by Medica Bronze $0 Copay PCP Visits use?
Altru Prime by Medica Bronze $0 Copay PCP Visits is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.