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Individual & Family

Get the Most Value From Your 2026 Coverage

Health care coverage protects you and your family from the unexpected. With $0 preventive care, strong networks, wellness rewards and more, it's important to find a 2026 health care plan during Open Enrollment. Make sure you enroll by Dec. 15 for coverage starting Jan. 1.

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Shop For a Plan

Where can I get health insurance?

The Affordable Care Act (ACA) makes it easier to get affordable health insurance plans in Montana, even if you haven't been able to in the past. You can get coverage through:

  • A company, like Blue Cross and Blue Shield of Illinois
  • A licensed insurance agent
  • The Health Insurance Marketplace
  • Your employer for employer-offered plans
  • Programs like Medicare or Medicaid if you qualify 

This year, Open Enrollment begins Nov. 1 and ends Jan. 15. You can enroll in a plan that fits your needs now. Make sure you choose coverage by Dec. 15 for your coverage to start Jan. 1.

Enrollment Support

Connect With an Authorized Agent

Ready to enroll, but have questions? Our authorized agents are here with answers and advice.

Call: 1-855-594-1515

If you're concerned about health insurance costs, you may be able to get help:

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Premium Tax Credits

Premium tax credits are determined by the government based on things like your annual income, address and family size. Visit our shopping platform to learn if you qualify.

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Cost Sharing Assistance

You may qualify for cost sharing assistance, often in the form of cost-sharing reductions (CSR), to lower costs like copay or coinsurance.

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ICHRA

If your employer offers an ICHRA, or Individual Coverage Health Reimbursement Arrangement, you could be reimbursed for your plan or care costs.

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Cost of Care

Health Care Doesn't Have to Break the Bank

From a sore throat to a broken bone, you can use your health insurance plan and its benefits to make sure you're saving on your health care.costs. Learn how to navigate your network, access saving and reward programs and understand which preventive care services could cost as little as $0.

Know How to Save
 

Health Plan Savings

More Tips to Save On Health Care Costs

Where Your Premiums Go

Under the Affordable Care Act, all individual and family plans are required to spend at least 80% of your deductible on care. This helps make sure you're getting a fair value for your plan. Here are just a few examples of what your deductible could go towards:

  • Claims for covered health care
  • Health and wellness programs
  • Helping you manage chronic conditions

This percentage is known as the Medical Loss Ratio (MLR). If we're out of alignment for the ACA requirements, we'll send you a check covering the difference.

TESTIMONIALS

What Members are Saying2

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"I love the convenience of being able to check on claims from my phone or online. And when I have questions, they’re always there to help."


-Allyson B.

 

"I've always preferred Blue Cross over all of the other networks that I've been a part of. A lot of those others, it was a headache."

 

- Eric M.

"I have no copays. I guess I've been very fortunate. It's really good insurance. It really is. It does cover everything. I'm pleased with that. It feels really good." 

 

- Danielle J.

1Well onTarget and AlwaysOn are owned and operated by Onlife Health Inc. an independent company that provides digital health management for members with coverage through Blue Cross and Blue Shield Plans in Illinois, Montana, New Mexico, Oklahoma and Texas. No endorsements, representations or warranties are made regarding third-party vendors and the products and services offered by them.

Blue Points Program Rules are subject to change without prior notice. See the Program Rules on the Well onTarget Member Wellness Portal at wellontarget.com for further information. The Well onTarget member rewards redemption services is provided by an independent third party. 

2Paid endorsements