Gold health insurance plans in Montana (2026)
There are 28 Gold plans on the Montana Marketplace from 3 insurers, and they are not interchangeable — premiums run from $443 to $683 a month for the same metal tier. Here is what separates them.
One carrier files 75% of Montana's Gold plans.
Blue Cross and Blue Shield of Montana accounts for 21 of the 28 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 deductibles run 25% below the national median.
The median Gold deductible here is $1,500, against a $2,000 median across the 35 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.
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.
What a Gold plan costs in Montana in 2026
Across all 28 Gold plans in Montana, monthly premiums run from $443 to $683, averaging $586. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Montana enrollees, often to a fraction of the sticker price.
Gold plan deductibles in Montana
Gold deductibles in Montana run from $250 to $2,000, with a median of $1,500 across the 24 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,494 because the spread is not symmetric. The other 4 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.
Gold out-of-pocket maximums in Montana
Individual out-of-pocket maximums on Montana Gold plans run from $7,000 to $9,950, with a median of $8,350. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.
The cheapest Gold plans in Montana
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Blue Focus Gold POS℠ 207Blue Cross and Blue Shield of Montana | $443 | $250 | $8,900 |
| 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 |
| Rocky Mountain Gold StandardMountain Health CO-OP | $533 | $2,000 | $8,200 |
| Core Gold 1500PacificSource Health Plans | $543 | $1,500 | $7,500 |
Showing 5 of 28. See all Montana Gold plans →
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Montana | 21 | $443 | $585 | $250–$2,000 |
| Mountain Health CO-OP | 5 | $533 | $605 | $1,500–$2,000 |
| PacificSource Health Plans | 2 | $543 | $553 | $1,500–$2,000 |
How Gold compares to the rest
States with similar Gold premiums
Montana Gold plans, answered
What are the copays on Montana Gold plans?
Who is eligible for a Gold plan in Montana?
What is the deductible on Montana Gold plans?
Are Gold plans available in my Montana county?
When can I enroll in a Marketplace plan in Montana?
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