Plus Gold — full price in Stillwater County, Montana (2026)
Plus Gold (32225MT0060004), a gold plan from Mountain Health CO-OP in Stillwater County, Montana, costs $790.46/month full price for a 40-year-old in 2026 — $1678.64 at 60, with a $1,500 deductible and $7,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 32225MT0060004 · Issuer: Mountain Health CO-OP · 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 | $618.51 |
| 27 | $648.20 |
| 30 | $702.01 |
| 40 | $790.46 |
| 50 | $1104.66 |
| 60 | $1678.64 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,500
- Family deductible: $3,000
- Individual out-of-pocket max: $7,000
- Family out-of-pocket max: $14,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $561.45/mo. This plan is $790.46/mo at 40 — a difference of $229.01/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 Stillwater County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Focus Gold POS℠ 207 | Blue Cross and Blue Shield of Montana | $565.78 |
| Blue Focus Gold POS℠ Standard | Blue Cross and Blue Shield of Montana | $571.85 |
| Blue Focus Gold POS℠ 902 | Blue Cross and Blue Shield of Montana | $579.94 |
| Core Gold 1500 | PacificSource Health Plans | $694.00 |
| Blue Preferred Gold PPO℠ 204 | Blue Cross and Blue Shield of Montana | $701.38 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 32225MT0060004 in FIPS 30095.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Stillwater County
Reviewed by Jason Burns, Editorial Steward.