Core Silver 3500
Silver · EPO · PacificSource Health Plans · Montana
At age 40 it costs between $746 and $802 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $3,500 | $10,600 | $30 | $15 |
| up to 150% of the federal poverty level | $300 | $850 | $20 | $15 |
| 150% to 200% | $700 | $2,850 | $20 | $15 |
| 200% to 250% | $3,500 | $8,450 | $25 | $15 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 23603MT0380004 |
|---|---|
| Insurer | PacificSource Health Plans |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $3,500 |
| Deductible (family) | $7,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 30% Coinsurance after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 Copay after deductible |
| Specialty drugs | $250 Copay after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-977-9299 |
Where it is sold, and what it costs there
56 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Carbon County | $584 | $663 | $746 | $1,043 | $1,584 |
| Musselshell County | $584 | $663 | $746 | $1,043 | $1,584 |
| Stillwater County | $584 | $663 | $746 | $1,043 | $1,584 |
| Sweet Grass County | $584 | $663 | $746 | $1,043 | $1,584 |
| Yellowstone County | $584 | $663 | $746 | $1,043 | $1,584 |
| Flathead County | $621 | $705 | $794 | $1,109 | $1,686 |
| Lake County | $621 | $705 | $794 | $1,109 | $1,686 |
| Missoula County | $621 | $705 | $794 | $1,109 | $1,686 |
| Beaverhead County | $627 | $712 | $802 | $1,120 | $1,702 |
| Big Horn County | $627 | $712 | $802 | $1,120 | $1,702 |
| Blaine County | $627 | $712 | $802 | $1,120 | $1,702 |
| Broadwater County | $627 | $712 | $802 | $1,120 | $1,702 |
| Carter County | $627 | $712 | $802 | $1,120 | $1,702 |
| Cascade County | $627 | $712 | $802 | $1,120 | $1,702 |
| Chouteau County | $627 | $712 | $802 | $1,120 | $1,702 |
| Custer County | $627 | $712 | $802 | $1,120 | $1,702 |
| Daniels County | $627 | $712 | $802 | $1,120 | $1,702 |
| Dawson County | $627 | $712 | $802 | $1,120 | $1,702 |
| Deer Lodge County | $627 | $712 | $802 | $1,120 | $1,702 |
| Fallon County | $627 | $712 | $802 | $1,120 | $1,702 |
| Fergus County | $627 | $712 | $802 | $1,120 | $1,702 |
| Gallatin County | $627 | $712 | $802 | $1,120 | $1,702 |
| Garfield County | $627 | $712 | $802 | $1,120 | $1,702 |
| Glacier County | $627 | $712 | $802 | $1,120 | $1,702 |
| Golden Valley County | $627 | $712 | $802 | $1,120 | $1,702 |
| Granite County | $627 | $712 | $802 | $1,120 | $1,702 |
| Hill County | $627 | $712 | $802 | $1,120 | $1,702 |
| Jefferson County | $627 | $712 | $802 | $1,120 | $1,702 |
| Judith Basin County | $627 | $712 | $802 | $1,120 | $1,702 |
| Lewis and Clark County | $627 | $712 | $802 | $1,120 | $1,702 |
| Liberty County | $627 | $712 | $802 | $1,120 | $1,702 |
| Lincoln County | $627 | $712 | $802 | $1,120 | $1,702 |
| Madison County | $627 | $712 | $802 | $1,120 | $1,702 |
| McCone County | $627 | $712 | $802 | $1,120 | $1,702 |
| Meagher County | $627 | $712 | $802 | $1,120 | $1,702 |
| Mineral County | $627 | $712 | $802 | $1,120 | $1,702 |
| Park County | $627 | $712 | $802 | $1,120 | $1,702 |
| Petroleum County | $627 | $712 | $802 | $1,120 | $1,702 |
| Phillips County | $627 | $712 | $802 | $1,120 | $1,702 |
| Pondera County | $627 | $712 | $802 | $1,120 | $1,702 |
| Powder River County | $627 | $712 | $802 | $1,120 | $1,702 |
| Powell County | $627 | $712 | $802 | $1,120 | $1,702 |
| Prairie County | $627 | $712 | $802 | $1,120 | $1,702 |
| Ravalli County | $627 | $712 | $802 | $1,120 | $1,702 |
| Richland County | $627 | $712 | $802 | $1,120 | $1,702 |
| Roosevelt County | $627 | $712 | $802 | $1,120 | $1,702 |
| Rosebud County | $627 | $712 | $802 | $1,120 | $1,702 |
| Sanders County | $627 | $712 | $802 | $1,120 | $1,702 |
| Sheridan County | $627 | $712 | $802 | $1,120 | $1,702 |
| Silver Bow County | $627 | $712 | $802 | $1,120 | $1,702 |
| Teton County | $627 | $712 | $802 | $1,120 | $1,702 |
| Toole County | $627 | $712 | $802 | $1,120 | $1,702 |
| Treasure County | $627 | $712 | $802 | $1,120 | $1,702 |
| Valley County | $627 | $712 | $802 | $1,120 | $1,702 |
| Wheatland County | $627 | $712 | $802 | $1,120 | $1,702 |
| Wibaux County | $627 | $712 | $802 | $1,120 | $1,702 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
Get told when this changes
When this plan’s price or benefits change.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not an insurance agent or broker: this is a notification about published data, not a sales call. Privacy.
Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.