Core Standard Gold
Gold · EPO · PacificSource Health Plans · Montana
At age 40 it costs between $719 and $772 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 23603MT0380009 |
|---|---|
| Insurer | PacificSource Health Plans |
| Metal level | Gold |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $562 | $638 | $719 | $1,004 | $1,526 |
| Musselshell County | $562 | $638 | $719 | $1,004 | $1,526 |
| Stillwater County | $562 | $638 | $719 | $1,004 | $1,526 |
| Sweet Grass County | $562 | $638 | $719 | $1,004 | $1,526 |
| Yellowstone County | $562 | $638 | $719 | $1,004 | $1,526 |
| Flathead County | $598 | $679 | $764 | $1,068 | $1,623 |
| Lake County | $598 | $679 | $764 | $1,068 | $1,623 |
| Missoula County | $598 | $679 | $764 | $1,068 | $1,623 |
| Beaverhead County | $604 | $686 | $772 | $1,079 | $1,640 |
| Big Horn County | $604 | $686 | $772 | $1,079 | $1,640 |
| Blaine County | $604 | $686 | $772 | $1,079 | $1,640 |
| Broadwater County | $604 | $686 | $772 | $1,079 | $1,640 |
| Carter County | $604 | $686 | $772 | $1,079 | $1,640 |
| Cascade County | $604 | $686 | $772 | $1,079 | $1,640 |
| Chouteau County | $604 | $686 | $772 | $1,079 | $1,640 |
| Custer County | $604 | $686 | $772 | $1,079 | $1,640 |
| Daniels County | $604 | $686 | $772 | $1,079 | $1,640 |
| Dawson County | $604 | $686 | $772 | $1,079 | $1,640 |
| Deer Lodge County | $604 | $686 | $772 | $1,079 | $1,640 |
| Fallon County | $604 | $686 | $772 | $1,079 | $1,640 |
| Fergus County | $604 | $686 | $772 | $1,079 | $1,640 |
| Gallatin County | $604 | $686 | $772 | $1,079 | $1,640 |
| Garfield County | $604 | $686 | $772 | $1,079 | $1,640 |
| Glacier County | $604 | $686 | $772 | $1,079 | $1,640 |
| Golden Valley County | $604 | $686 | $772 | $1,079 | $1,640 |
| Granite County | $604 | $686 | $772 | $1,079 | $1,640 |
| Hill County | $604 | $686 | $772 | $1,079 | $1,640 |
| Jefferson County | $604 | $686 | $772 | $1,079 | $1,640 |
| Judith Basin County | $604 | $686 | $772 | $1,079 | $1,640 |
| Lewis and Clark County | $604 | $686 | $772 | $1,079 | $1,640 |
| Liberty County | $604 | $686 | $772 | $1,079 | $1,640 |
| Lincoln County | $604 | $686 | $772 | $1,079 | $1,640 |
| Madison County | $604 | $686 | $772 | $1,079 | $1,640 |
| McCone County | $604 | $686 | $772 | $1,079 | $1,640 |
| Meagher County | $604 | $686 | $772 | $1,079 | $1,640 |
| Mineral County | $604 | $686 | $772 | $1,079 | $1,640 |
| Park County | $604 | $686 | $772 | $1,079 | $1,640 |
| Petroleum County | $604 | $686 | $772 | $1,079 | $1,640 |
| Phillips County | $604 | $686 | $772 | $1,079 | $1,640 |
| Pondera County | $604 | $686 | $772 | $1,079 | $1,640 |
| Powder River County | $604 | $686 | $772 | $1,079 | $1,640 |
| Powell County | $604 | $686 | $772 | $1,079 | $1,640 |
| Prairie County | $604 | $686 | $772 | $1,079 | $1,640 |
| Ravalli County | $604 | $686 | $772 | $1,079 | $1,640 |
| Richland County | $604 | $686 | $772 | $1,079 | $1,640 |
| Roosevelt County | $604 | $686 | $772 | $1,079 | $1,640 |
| Rosebud County | $604 | $686 | $772 | $1,079 | $1,640 |
| Sanders County | $604 | $686 | $772 | $1,079 | $1,640 |
| Sheridan County | $604 | $686 | $772 | $1,079 | $1,640 |
| Silver Bow County | $604 | $686 | $772 | $1,079 | $1,640 |
| Teton County | $604 | $686 | $772 | $1,079 | $1,640 |
| Toole County | $604 | $686 | $772 | $1,079 | $1,640 |
| Treasure County | $604 | $686 | $772 | $1,079 | $1,640 |
| Valley County | $604 | $686 | $772 | $1,079 | $1,640 |
| Wheatland County | $604 | $686 | $772 | $1,079 | $1,640 |
| Wibaux County | $604 | $686 | $772 | $1,079 | $1,640 |
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.
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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.