Core Standard Gold — full price in Lewis and Clark County, Montana (2026)
Core Standard Gold (23603MT0380009), a gold plan from PacificSource Health Plans in Lewis and Clark County, Montana, costs $772.00/month full price for a 40-year-old in 2026 — $1640.00 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 23603MT0380009 · Issuer: PacificSource Health Plans · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $604.00 |
| 27 | $633.00 |
| 30 | $686.00 |
| 40 | $772.00 |
| 50 | $1079.00 |
| 60 | $1640.00 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $748.00/mo. This plan is $772.00/mo at 40 — a difference of $24.00/mo.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Lewis and Clark County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Core Gold 1500 | PacificSource Health Plans | $745.00 |
| Blue Focus Gold POS℠ 207 | Blue Cross and Blue Shield of Montana | $760.63 |
| Blue Focus Gold POS℠ Standard | Blue Cross and Blue Shield of Montana | $765.98 |
| Blue Focus Gold POS℠ 902 | Blue Cross and Blue Shield of Montana | $776.92 |
| Blue Preferred Gold PPO℠ 204 | Blue Cross and Blue Shield of Montana | $836.32 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 23603MT0380009 in FIPS 30049.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lewis and Clark County
Reviewed by Jason Burns, Editorial Steward.