SimpliveraCoverage Companion
Montana · 2026 plan year

Gold health insurance plans in Montana

There are 34 Gold plans on the Montana Marketplace from 3 insurers, and they are not interchangeable — premiums run from $432 to $683 a month for the same metal tier. Here is what separates them.

34
Gold plans
3
Insurers
56
Counties covered
$432
Cheapest premium
$1,716
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

One carrier files 62% of Montana's Gold plans.

Blue Cross and Blue Shield of Montana accounts for 21 of the 34 Gold plans in Montana. A long plan list can look like a wide choice while most of it resolves to one network and one formulary — worth knowing before you treat plan count as a measure of competition.

Montana Gold premiums rank 19th cheapest of 30.

Averaged across all 34 plans, Gold coverage in Montana costs $571 a month before subsidies — 19th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Gold plans in Montana

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
ROCKY MOUNTAIN GOLD HDHPMountain Health CO-OP$432$4,000$4,000
Blue Focus Gold POS℠ 207Blue Cross and Blue Shield of Montana$443$250$8,900
ROCKY MOUNTAIN GOLDMountain Health CO-OP$443$1,500$7,000
Blue Focus Gold POS℠ StandardBlue Cross and Blue Shield of Montana$447$2,000$8,200
Blue Focus Gold POS℠ 902Blue Cross and Blue Shield of Montana$454$1,000$8,500

Showing 5 of 34. See all Montana Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Blue Cross and Blue Shield of Montana21$443$585
Mountain Health CO-OP11$432$549
PacificSource Health Plans2$543$553
Other tiers in Montana

How Gold compares to the rest

Bronze
Avg $407 · from $277
35 plans
Silver
Avg $556 · from $382
34 plans
Gold
Avg $571 · from $432
34 plans · you are here

All MontanaMarketplace plans →

Nearby on price

States with similar Gold premiums

Kansas
Avg $565
20 Gold plans
Indiana
Avg $573
23 Gold plans
Tennessee
Avg $597
32 Gold plans
Common questions

Montana Gold plans, answered

What are the copays on a Montana Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 34 Gold plans in Montana, deductibles average $1,716 and the out-of-pocket maximum averages $8,044. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Montana?
Any Montana Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,716 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Montana Gold plan?
The average across all 34 Gold plans in Montana is $1,716, with an average out-of-pocket maximum of $8,044. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Montana county?
Gold plans are sold in 56 Montana counties, from 3 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Montana Marketplace plan?
Montana uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Montana start at $432 a month before any subsidy.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 34 Montana Gold plans.

Estimate my costs — it’s free →