Peak PPO Silver Standard
Silver · PPO · Mountain Health CO-OP · Montana
At age 40 it costs between $714.04 and $815.94 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 32225MT0090011 |
|---|---|
| Insurer | Mountain Health CO-OP |
| Metal level | Silver |
| Plan type | PPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 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 | 1-800-299-6080 · TTY 1-855-447-2900 |
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 | $558.72 | $634.14 | $714.04 | $997.87 | $1,516.36 |
| Musselshell County | $558.72 | $634.14 | $714.04 | $997.87 | $1,516.36 |
| Stillwater County | $558.72 | $634.14 | $714.04 | $997.87 | $1,516.36 |
| Sweet Grass County | $558.72 | $634.14 | $714.04 | $997.87 | $1,516.36 |
| Yellowstone County | $558.72 | $634.14 | $714.04 | $997.87 | $1,516.36 |
| Beaverhead County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Big Horn County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Blaine County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Carter County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Custer County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Daniels County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Dawson County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Fallon County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Fergus County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Garfield County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Glacier County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Golden Valley County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Granite County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Hill County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Liberty County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Lincoln County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Madison County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| McCone County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Meagher County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Mineral County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Park County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Petroleum County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Phillips County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Pondera County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Powder River County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Powell County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Prairie County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Ravalli County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Richland County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Roosevelt County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Rosebud County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Sanders County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Sheridan County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Toole County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Treasure County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Valley County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Wheatland County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Wibaux County | $560.52 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
| Flathead County | $567.11 | $643.67 | $724.77 | $1,012.86 | $1,539.14 |
| Lake County | $567.11 | $643.67 | $724.77 | $1,012.86 | $1,539.14 |
| Missoula County | $567.11 | $643.67 | $724.77 | $1,012.86 | $1,539.14 |
| Broadwater County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Cascade County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Chouteau County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Deer Lodge County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Gallatin County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Jefferson County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Judith Basin County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Lewis and Clark County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Silver Bow County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
| Teton County | $638.45 | $724.64 | $815.94 | $1,140.27 | $1,732.75 |
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.