Medica Individual Choice Gold $0 Copay PCP Visits
Starting at
$845
/month before subsidy
Medica Individual Choice Gold $0 Copay PCP Visits is a 2026 Gold HMO health insurance plan from Medica, sold on the ACA Marketplace in North Dakota under plan ID 73751ND0130045. The monthly premium starts at $845 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,500 ($3,000 for a family), and the individual out-of-pocket maximum is $8,800 ($17,600 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 73751ND0130045
- Plan year
- 2026
- State
- North Dakota
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,500
Family: $3,000
Out-of-Pocket Max
$8,800
Family: $17,600
Coinsurance
30%
You pay after deductible
Network Type
HMO
NDN004
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$4,470
your estimated cost
- Deductible
- $1,500
- Copays
- $10
- Coinsurance
- $2,900
Managing type 2 diabetes
A year of routine care
$1,800
your estimated cost
- Deductible
- $1,100
- Copays
- $700
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,000
your estimated cost
- Deductible
- $1,500
- Copays
- $200
- Coinsurance
- $300
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,578/month
Annual Premium
$10,140
OOP Maximum
$8,800
💡 What this means:
With a $1,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,800 total. Then insurance covers everything else for the year.
More plans from Medica in North Dakota
- Altru Prime by Medica Bronze $0 Copay PCP Visitsfrom $457/mo
- 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
Frequently asked questions about Medica Individual Choice Gold $0 Copay PCP Visits
How much does Medica Individual Choice Gold $0 Copay PCP Visits cost per month?
Medica Individual Choice Gold $0 Copay PCP Visits from Medica starts at $845 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 Medica Individual Choice Gold $0 Copay PCP Visits?
The individual medical deductible is $1,500, and the family deductible is $3,000. 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 Medica Individual Choice Gold $0 Copay PCP Visits?
The most you would pay in a year for covered in-network care is $8,800 for an individual and $17,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Medica Individual Choice Gold $0 Copay PCP Visits HSA-eligible?
No. Medica Individual Choice Gold $0 Copay PCP Visits is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Medica Individual Choice Gold $0 Copay PCP Visits use?
Medica Individual Choice Gold $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.