Choosing a Plan
You may qualify for a very low or $0 premium plan.
Premium tax credits might be available to lower monthly premiums.
All premiums are calculated based on each person’s individual circumstances such as age, location, and plan type.
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%
Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More
*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.
Native American Plan
2024
Montana
Plus Standard Expanded
Zero Cost
Bronze
Deductible
$0
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$0
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
No Charge
Primary Care Visit
No Charge
Specialist Visit
No Charge
Mental Health Visit
No Charge
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Native American Plan
2024
Montana
Plus High Deductible
Zero Cost
Bronze
Deductible
$0
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$0
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
No Charge
Primary Care Visit
No Charge
Specialist Visit
No Charge
Mental Health Visit
No Charge
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Native American Plan
2024
Montana
Plus Standard
Zero Cost
Bronze
Deductible
$0
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$0
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
No Charge
Primary Care Visit
No Charge
Specialist Visit
No Charge
Mental Health Visit
No Charge
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Native American Plan
2024
Montana
Plus Bronze Standard Expanded
Limited Cost
Bronze
Deductible
$7,500
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$9,400
Coinsurance (you pay)
50%
Tier 1-Preferred Generic Drug
0% Deductible
Primary Care Visit
0% Deductible
Specialist Visit
0% Deductible
Mental Health Visit
0% Deductible
*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 30%
CO-OP pays 70%
Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More
*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.
Native American Plan
2024
Montana
Connect
Limited Cost
Silver
Deductible
$7,500
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$9,000
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
0% Deductible
Primary Care Visit
0% Deductible
Specialist Visit
0% Deductible
Mental Health Visit
0% Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Native American Plan
2024
Montana
Connect Standard
Limited Cost
Silver
Deductible
5,900
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$9,100
Coinsurance (you pay)
40%
Tier 1-Preferred Generic Drug
0% Deductible
Primary Care Visit
0% Deductible
Specialist Visit
0% Deductible
Mental Health Visit
0% Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Native American Plan
2024
Montana
Connect Option 2
Limited Cost
Silver
Deductible
$5,700
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$8,200
Coinsurance (you pay)
30%
Tier 1-Preferred Generic Drug
0% Deductible
Primary Care Visit
0% Deductible
Specialist Visit
0% Deductible
Mental Health Visit
0% Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Native American Plan
2024
Montana
Connect
Zero Cost
Silver
Deductible
$0
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$0
Coinsurance (you pay)
0%
Tier 1-Preferred Generic Drug
No Charge
Primary Care Visit
No Charge
Specialist Visit
No Charge
Mental Health Visit
No Charge
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Good choice if…
you see doctors frequently or are anticipating upcoming events such as surgery or pregnancy. Lower copays, deductibles, and out-of-pocket maximums (compared to bronze or silver plans) can save you money in the long run.
Premium Level
High
Average Cost Split*
You pay 20%
CO-OP pays 80%
Includes Signature Benefits
• 24/7 Telehealth access
• Dental & Vision exam reimbursements
• 100% Preventive Care coverage
• Travel Support
… Learn More
*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.
Native American Plan
2024
Montana
Connect
Limited Cost
Gold
Deductible
$1,000
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$6,500
Coinsurance (you pay)
30%
Tier 1-Preferred Generic Drug
0% Deductible
Primary Care Visit
0% Deductible
Specialist Visit
0% Deductible
Mental Health Visit
0% Deductible
*See plan documents for most accurate and up to date details. Telehealth costs may vary.
Plan Documents
Native American Plan
2024
Montana
Connect Standard
Limited Cost
Gold
Deductible
$1,500
Costs are shown split when applicable: ICHP / In-Network
Indian Health Care Providers (ICHP) will have the lowest cost. In most cases you will pay $0.
Overview*
Max out-of-pocket
$8,700
Coinsurance (you pay)
25%
Tier 1-Preferred Generic Drug
0% Deductible
Primary Care Visit
0% Deductible
Specialist Visit