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INDIVIDUAL & FAMILY

2026 Open Enrollment Tips

Open Enrollment for 2026 plans is here. Find key tips for Montana's 2026 Open Enrollment Period, like understanding Affordable Care Act (ACA) coverage and premium tax credits. Ready to enroll? Make sure to choose a plan by Dec. 15 for coverage starting Jan. 1.

Get Started
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Importance of Coverage

Why is getting or keeping my health insurance important?

The Open Enrollment Period happens once a year, ever year. It begins Nov. 1 and ends Jan. 15. Anyone can update or pick a new plan during this time. Having health insurance:

  • Helps cover costs when you get health care, from checkups to emergencies
  • Helps you stay up-to-date on preventive care for a healthier future
  • Helps keep your plan dependents, like children and spouse, covered

If you experience a health issue, having health insurance can help you lower your medical bill costs.

If you miss the Open Enrollment deadline, you'll have to wait until the next year to enroll unless you go through a life change that lets you enroll through Special Enrollment.

How To Enroll

How to Get a BCBSMT Plan During Open Enrollment

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RESEARCH

Research Your Health Plan Options

BCBSMT offers the below plans depending on where you live:

  • Preferred Provider Organization (PPO )
  • Point of Service (POS ) 

Plus, each plan is offered at a Gold, Silver or Bronze metallic level. Metallic levels don't change the services, prescriptions or networks covered by a plan, but they will change the plan's costs:

UNDERSTAND BENEFITS

Assess Your Health Insurance Needs and Compare Plans

NEXT STEPS

What To Do After Applying

Make your first payment and set up Auto Bill Pay: Your coverage won't begin until your first premium's paid. Make your premium payment online and set up Auto Bill Pay to pay your monthly bills easily and on-time.

Make a payment.

Start using your member resources: Review your benefits, understand when you'll start receiving your member materials and sign up for your member account.

Find out what's next after applying.