Sold outside the marketplace. This plan is bought directly from the insurer, so it is not eligible for a premium tax credit. If your income qualifies you for savings, a marketplace plan at the same price will usually cost you less.
Essentia Choice Care with Medica Bronze Copay (First 3) HSA
Medica Insurance Company · 2027 plan year
BronzeHSA eligible
- Ind. deductible
- $7,500
- Family deductible
- $15,000
- Ind. OOP max
- $12,000
- Family OOP max
- $24,000
Other cost-sharing reduction variants for this plan:
More Medica Insurance Company plans in MN
Monthly premiums by age
Rating Area 9 — the lowest-priced of the 4 areas this plan covers. Premiums differ by area.
| Age | Individual | Individual + tobacco |
|---|---|---|
| Under 15 | $291 | $291 |
| 21 | $327 | $346 |
| 30 | $371 | $393 |
| 40 | $417 | $442 |
| 50 | $583 | $618 |
| 60 | $886 | $939 |
| 64 and over | $980 | $1,038 |
Live premium estimate
Benefits & cost sharing
Primary Care
| Benefit | In-network |
|---|---|
| Preventive Care/Screening/Immunization | No charge |
| Primary Care Visit to Treat an Injury or Illness | $25.00 Copay with deductible + 50.00% Coinsurance after deductible |
Specialist
| Benefit | In-network |
|---|---|
| Specialist Visit | $25.00 Copay with deductible + 50.00% Coinsurance after deductible |
Hospital
| Benefit | In-network |
|---|---|
| Emergency Room Services | 50.00% Coinsurance after deductible |
| Inpatient Hospital Services (e.g., Hospital Stay) | 50.00% Coinsurance after deductible |
| Outpatient Surgery Physician/Surgical Services | 50.00% Coinsurance after deductible |
| Urgent Care Centers or Facilities | $25.00 Copay with deductible + 50.00% Coinsurance after deductible |
Pharmacy
| Benefit | In-network |
|---|---|
| Generic Drugs | $25.00 |
| Non-Preferred Brand Drugs | 50.00% Coinsurance after deductible |
| Preferred Brand Drugs | $200.00 |
| Specialty Drugs | 60.00% Coinsurance after deductible |
Mental Health
| Benefit | In-network |
|---|---|
| Mental/Behavioral Health Inpatient Services | 50.00% Coinsurance after deductible |
| Mental/Behavioral Health Outpatient Services | $25.00 Copay with deductible + 50.00% Coinsurance after deductible |
Other
| Benefit | In-network |
|---|---|
| Abortion for Which Public Funding is Prohibited | 50.00% Coinsurance after deductible |
| Accidental Dental | 50.00% Coinsurance after deductible |
| Allergy Testing | 50.00% Coinsurance after deductible |
| Chemotherapy | $25.00 Copay with deductible + 50.00% Coinsurance after deductible |
| Chiropractic Care | $25.00 Copay with deductible + 50.00% Coinsurance after deductible |
| Delivery and All Inpatient Services for Maternity Care | 50.00% Coinsurance after deductible |
| Diabetes Education | No charge |
| Dialysis | 50.00% Coinsurance after deductible |
| Durable Medical Equipment | 50.00% Coinsurance after deductible |
| Emergency Transportation/Ambulance | 50.00% Coinsurance after deductible |
| Eye Glasses for Children | 50.00% Coinsurance after deductible |
| Gender Affirming Care | 50.00% Coinsurance after deductible |
| Habilitation Services | 50.00% Coinsurance after deductible |
| Hearing Aids | 50.00% Coinsurance after deductible |
| Home Health Care Services | 50.00% Coinsurance after deductible |
| Hospice Services | 50.00% Coinsurance after deductible |
| Imaging (CT/PET Scans, MRIs) | 50.00% Coinsurance after deductible |
| Infusion Therapy | 50.00% Coinsurance after deductible |
| Inpatient Physician and Surgical Services | 50.00% Coinsurance after deductible |
| Laboratory Outpatient and Professional Services | 50.00% Coinsurance after deductible |
| Nutritional Counseling | 50.00% Coinsurance after deductible |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | $25.00 Copay with deductible + 50.00% Coinsurance after deductible |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | 50.00% Coinsurance after deductible |
| Outpatient Rehabilitation Services | 50.00% Coinsurance after deductible |
| Prenatal and Postnatal Care | 50.00% Coinsurance after deductible |
| Prosthetic Devices | 50.00% Coinsurance after deductible |
| Radiation | 50.00% Coinsurance after deductible |
| Reconstructive Surgery | 50.00% Coinsurance after deductible |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | 50.00% Coinsurance after deductible |
| Rehabilitative Speech Therapy | 50.00% Coinsurance after deductible |
| Routine Eye Exam for Children | No charge |
| Skilled Nursing Facility | 50.00% Coinsurance after deductible |
| Substance Abuse Disorder Inpatient Services | 50.00% Coinsurance after deductible |
| Substance Abuse Disorder Outpatient Services | $25.00 Copay with deductible + 50.00% Coinsurance after deductible |
| Transplant | 50.00% Coinsurance after deductible |
| Treatment for Temporomandibular Joint Disorders | 50.00% Coinsurance after deductible |
| Well Baby Visits and Care | No charge |
| X-rays and Diagnostic Imaging | 50.00% Coinsurance after deductible |
Service area
This plan covers 12 geographic areas.
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