Blue Preferred Gold PPO℠ 204 — full price in Lewis and Clark County, Montana (2026)
Blue Preferred Gold PPO℠ 204 (30751MT0550043), a gold plan from Blue Cross and Blue Shield of Montana in Lewis and Clark County, Montana, costs $836.32/month full price for a 40-year-old in 2026 — $1776.04 at 60, with a $1,500 deductible and $9,950 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 30751MT0550043 · Issuer: Blue Cross and Blue Shield of Montana · 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 | $654.40 |
| 27 | $685.81 |
| 30 | $742.74 |
| 40 | $836.32 |
| 50 | $1168.76 |
| 60 | $1776.04 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $9,950
- Family out-of-pocket max: $19,900
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $748.00/mo. This plan is $836.32/mo at 40 — a difference of $88.32/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 |
| Core Standard Gold | PacificSource Health Plans | $772.00 |
| Blue Focus Gold POS℠ 902 | Blue Cross and Blue Shield of Montana | $776.92 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 30751MT0550043 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.