How to choose a plan from your employer.
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Good choice if…
you’re mostly healthy already and want to keep monthly premiums relatively low so you’re willing to accept higher out-of-pocket costs.
Premium Level
Low
Average Cost Split*
You pay 40%
CO-OP pays 60%
Signature Benefits
Employer plans include our Signature Benefits.
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Employer Plan
2024
Montana
Plus Expanded
Bronze
Deductible
$8,000
Overview*
Max out-of-pocket
$9,400
Coinsurance (you pay)
60%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
$10 No Deductible
Specialist Visit
$100 No Deductible
Mental Health Visit
First visit $0, then $10 No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Plus High Deductible
Bronze
Deductible
$7,500
Overview*
Max out-of-pocket
$7,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
N/A or 0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain
Bronze
Deductible
$8,000
The Rocky Mountain plan network is narrow in scope. Please check our Find a Doctor page to make sure your providers are in network.
Overview*
Max out-of-pocket
$9,400
Coinsurance (you pay)
60%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
$100 No Deductible
Mental Health Visit
N/A
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain High Deductible
Bronze
Deductible
$7,500
The Rocky Mountain plan network is narrow in scope. Please check our Find a Doctor page to make sure your providers are in network.
Overview*
Max out-of-pocket
$7,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
0% After Deductible
Mental Health Visit
N/A or 0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Access High Deductible
Bronze
Deductible
$7,500
Overview*
Max out-of-pocket
$7,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
0% After Deductible
Mental Health Visit
N/A or 0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Access
Bronze
Deductible
$8,000
Overview*
Max out-of-pocket
$9,400
Coinsurance (you pay)
60%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
$100 No Deductible
Mental Health Visit
N/A
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Good choice if…
you anticipate needing some medical care throughout the year but not excessively, a silver plan can provide a good balance between monthly costs and out-of-pocket expenses.
Premium Level
Medium
Average Cost Split*
You pay 0%
CO-OP pays 70%
Signature Benefits
Employer plans include our Signature Benefits.
*Cost split refers to what you pay out-of-pocket vs what your plan pays (coinsurance). Estimated average based on in-network rates for coverage tier. Plans vary. Consult the specific plan documents (listed under plan documents and details) for exact details.
Employer Plan
2024
Montana
Plus
Silver
Deductible
$6,000
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
$10 No Deductible
Primary Care Visit
$10 No Deductible
Specialist Visit
$75 No Deductible
Mental Health Visit
First Visit $0, then $10 No Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Plus
Silver
Deductible
$5,500
Overview*
Max out-of-pocket
$5,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
0% After Deductible
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain High Deductible
Silver
Deductible
$5,500
The Rocky Mountain plan network is narrow in scope. Please check our Find a Doctor page to make sure your providers are in network.
Overview*
Max out-of-pocket
$5,500
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
0% After Deductible
Primary Care Visit
N/A
Specialist Visit
0% After Deductible
Mental Health Visit
0% After Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Employer Plan
2024
Montana
Rocky Mountain
Silver
Deductible
$5,500
The Rocky Mountain plan network is narrow in scope. Please check our Find a Doctor page to make sure your providers are in network.
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
$10 No Deductible
Primary Care Visit
N/A
Specialist Visit