Essentia Choice Care with Medica Silver HSA
Starting at
$708
/month before subsidy
Essentia Choice Care with Medica Silver HSA is a 2027 Silver HMO health insurance plan from Medica, sold on the ACA Marketplace in North Dakota under plan ID 73751ND0140078. The monthly premium starts at $708 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,200 ($8,400 for a family), and the individual out-of-pocket maximum is $8,700 ($17,400 for a family). After the deductible, coinsurance is 20% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 73751ND0140078
- Plan year
- 2027
- State
- North Dakota
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$4,200
Family: $8,400
Out-of-Pocket Max
$8,700
Family: $17,400
Coinsurance
20%
You pay after deductible
Network Type
HMO
NDN005
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$5,660
your estimated cost
- Deductible
- $4,200
- Copays
- $0
- Coinsurance
- $1,400
Managing type 2 diabetes
A year of routine care
$2,600
your estimated cost
- Deductible
- $2,300
- Copays
- $300
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,433/month
Annual Premium
$8,496
OOP Maximum
$8,700
💡 What this means:
With a $4,200 deductible, you pay 100% of costs until you've spent that much. After that, you pay 20% (coinsurance) until you hit $8,700 total. Then insurance covers everything else for the year.
More plans from Medica in North Dakota
- Essentia Choice Care with Medica Bronze Sharefrom $422/mo
- Medica Individual Choice Bronze Sharefrom $528/mo
- Essentia Choice Care with Medica Bronze Standardfrom $449/mo
- Medica Individual Choice Bronze Standardfrom $562/mo
- Essentia Choice Care with Medica Silver Sharefrom $701/mo
- Essentia Choice Care with Medica Silver Standardfrom $686/mo
- Medica Individual Choice Silver HSAfrom $886/mo
- Medica Individual Choice Silver Sharefrom $877/mo
Frequently asked questions about Essentia Choice Care with Medica Silver HSA
How much does Essentia Choice Care with Medica Silver HSA cost per month?
Essentia Choice Care with Medica Silver HSA from Medica starts at $708 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 Essentia Choice Care with Medica Silver HSA?
The individual medical deductible is $4,200, and the family deductible is $8,400. 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 Essentia Choice Care with Medica Silver HSA?
The most you would pay in a year for covered in-network care is $8,700 for an individual and $17,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Essentia Choice Care with Medica Silver HSA HSA-eligible?
Yes. Essentia Choice Care with Medica Silver HSA 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 Essentia Choice Care with Medica Silver HSA use?
Essentia Choice Care with Medica Silver HSA 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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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.