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INDIVIDUAL & FAMILY

2026 Metallic Levels

Open Enrollment is here. Bronze, Silver or Gold levels can help you stay covered or enroll in coverage that fits your needs. With each Blue Cross and Blue Shield of Montana plan offering all three levels, you can find a plan tailored to you.

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Understanding Metallic Levels

How do the metal tiers work?

When you're shopping for a health insurance plan, you'll find different plans with different levels. For example, you could see a Blue Focus POS℠ plan offered at Gold, Silver and Bronze levels. The metallic levels are offered to help manage plan and care costs, like premiums, deductible, copay and coinsurance.

Metallic levels don't determine the services or prescriptions covered by a plan, but they do impact how much you'll pay for those services, prescriptions and your monthly premium.

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Bronze Level

Bronze Level: Save When Care Needs Are Low

Maybe you don't take any prescription medicine, or you typically only visit the doctor once or twice a year. If you're not planning on needing much care, Bronze level plan premiums could offer your most affordable health care option when it comes to monthly premium payments. You can expect BCBSMT to cover roughly 60% of health care bills while you cover 40%.

Explore more about Bronze plans.

Understand Bronze Level
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Silver Level

Silver Level: Balanced Plan and Care Costs

With middle-of-the-road monthly premiums and covered health care costs, the Silver plan tier offers a balanced approach to your plan's costs. You can expect BCBSMT to cover about 70% of health care bills while you cover 30%. If you're eligible for cost-sharing reductions, you'll need to choose a Silver level plan to apply them.

Find out if a Silver level plan could fit your needs.

Understand Silver Level
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Gold Level

Gold Level: Higher Premiums for Lower Costs of Care

Prescriptions, specialist appointments, frequent doctor visits — by paying a higher monthly premium, Gold plans will cover more of your bill when you need health care. You can expect BCBSMT to cover roughly 80% of health care bills while you cover 20%.

Learn more about Gold level plans and how to enroll in one. 

Understand Gold Level

Affordable Care

Lowering Your Cost of Care

Staying covered is important. Even if your plan costs change in 2026, you may still have ways to make your health care more affordable. Learn how using in-network care, taking advantage of preventive care and opting in to wellness programs could help you save.

Learn How