Important changes to 2026 plans. Please read before choosing a plan.
Stay covered in 2026. Prepare for those unplanned events.
Open Enrollment Montana November 1 – December 15. See if you qualify for tax credits to reduce your monthly premium. Calculate Now.
- Last Updated: October 15
Changes are coming to Co-Op plans that we want you to be aware of before you renew coverage.
Pay Very Close Attention:
At the time of this notice, the enhanced Premium Tax Credit are set to expire on December 31, 2025.Â
Please ensure that you continue to qualify for a premium subsidy before renewing current plan to avoid surprise costs.
Please review these changes carefully to make sure your Co-Op plan meets your needs for 2026.
We value your membership and hope to continue to provide you with
coverage next year.
Our 2026 plans will limit coverage for services provided outside of Montana or Idaho.Â
This mean we will not pay for any services, supplies, drugs, or devices outside of Montana or Idaho, as long as the services are available within these States.
If you want to keep your current coverage, you may be set to auto-renew with your current plan.
Or you may need to renew or change your coverage during open
enrollment between October 15 and December 15, for coverage to start on January 1, 2026.
The Enhanced Premium Tax Credits (American Rescue Plan + Inflation Reduction Act) were created during 2021 but scheduled to expire at the end of 2025.
At this time, congress has not made a decision to renew.
Key Components of the Enhanced Tax Credit for Americans:
• Expanded eligibility by removing the 400% Federal Poverty Level income cap
• Increased tax credit amount, lowering the cost of premiums
• Capped premium cost to no more than 8.5% of household income
Premium subsidies revert to the standard version, which has lower assistance, no protection against premium cost to household income, and excludes eligibility of households above 400% FPL from any type of tax credit.
This means your premium cost may increase significantly depending on your household income.
Prevention today means protection tomorrow.
Every Co-Op health plan* still comes with our Signature Benefits designed to save costs and keep you healthy.
These benefits offer access to care you need annually and help you identify underlying health issues which you may not know about.Â
$0 Mental Health Visit
Mental wellness is just as important as physical wellness.
24/7 Telehealth
Care is always available 24/7 anywhere you are.
$0 Out-of-Pocket Prescriptions
Thousands of drugs and supplies available for $0 out-of-pocket cost.
Free Health Assessment
Complete a free health assessment right at home and earn $50.
$100 Dental Reward
Get a reward of up to $100 for having your annual dental cleaning and exam.
$60 Vision Exam Reward
Get a reward of up to $60 for completing your annual vision exam.
Preventive Care Services
100% coverage for many preventive care services and prescriptions.
Where will you live in Montana in 2026?
Stillwater, Sweet Grass, Yellowstone, or Carbon County
Montana, but sometimes Idaho
Near major Montana cities
Don't know where to start?
Get help deciding and comparing plans. Schedule an in-person or virtual appointment. Free of cost.
Peak Plans
Staff Pick for Great Value!
In-Network Care
Our Peak network gives you access to care throughout Montana and Idaho, giving you flexibility and peace of mind.
Peak
Gold
Limited Cost Standard
Peak
Gold
Limited Cost
Peak
Gold
Zero Cost
Peak
Gold
Zero Cost Standard
Peak
Silver
Limited Cost Standard
Peak
Silver
Limited Cost
Peak
Silver
Zero Cost
Peak
Silver
Zero Cost Standard
Peak
Bronze
Zero Cost High Deductible
Peak
Bronze
Limited Cost High Deductible
Peak
Bronze
Limited Cost Standard
Peak
Bronze
Zero Cost Standard
Plus Network
In-Network Care
Plus network is ideal for people living in or near Montana cities, offering lower copays at any of Montana’s Community Health Centers.
Plus
Gold
Limited Cost Standard
Plus
Gold
Zero Cost Standard
Plus
Gold
Limited Cost
Plus
Gold
Zero Cost
Plus
Silver
Zero Cost Standard
Plus
Silver
Limited Cost Standard
Plus
Bronze
Limited Cost
Plus
Bronze
Limited Cost Standard
Plus
Bronze
Zero Cost Standard
Plus
Bronze
Zero Cost
In-Network Hospital
Rocky Mountain Network covers a regional range of providers in four counties.Â
Rocky Mountain
Gold
Limited Cost Standard
Rocky Mountain
Gold
Zero Cost Standard
Rocky Mountain
Silver
Zero Cost Standard
Rocky Mountain
Silver
Limited Cost Standard
Rocky Mountain
Bronze
Zero Cost Standard
Rocky Mountain
Bronze
Limited Cost
Terms to know.
Know before you go shopping.
Weigh the trade offs between low cost now, or low cost later by reading plan documents clearly.
Choosing a health insurance plan can be complicated. Knowing how to understand insurance terminology before you shop can make it simpler.
The most you’ll pay for covered services in a plan year.Â
A percentage of the cost you share with the insurer after meeting the deductible.
The amount you must pay out-of-pocket before your insurance coverage starts. The percentage of cost covered is determined by coinsurance.Â
Fixed fees you pay for specific services (e.g., $20 for a doctor’s visit).
Low-cost, generic medications that are considered the most affordable option for treating a particular medical condition.
