Individual Health Insurance Plans

Blue Cross and Blue Shield of Montana offers Individual and Family health insurance at three metallic levels of coverage to fit the needs of you and your family. 


Gold plans are for you if you:

  • Have more medical needs than most, like a chronic health condition
  • Have a spouse and/or children on your health care plan, or want to grow your family soon
  • Prefer to have lower out-of-pocket expenses but a higher monthly payment

Silver plans are for you if you:

  • Have regular medical needs, like 1 or 2 doctor visits a year
  • Want to have a balance between monthly payments and out-of-pocket costs
  • Have a spouse and/or children on your health care plan

Bronze plans are for you if you:

  • Don’t have health concerns or any prescription medicines
  • Would rather have a low monthly payment
  • Don’t need to add a spouse or children to your plan

More Plans Options

Learn about all of your health care plan options
with BCBSMT.

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Dental Insurance

Under the Affordable Care Act (ACA), dental coverage is free for children 18 and younger and optional for all adults. These dental plans are offered by the government when you enroll during Open Enrollment or with a qualifying life event. You can also enroll with BCBSMT if you need dental coverage in addition to your current plan.

Learn more about dental plans

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Medicare plans are available to enroll in if you’re 65 or older or if you have a qualifying disability. Learn about Medicare, find out if you can enroll and understand how it works.

Learn about Medicare

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Vision Insurance

If you’re a contacts- or glasses-wearer, having vision insurance can help you save on eye care costs. With a vision plan, you’ll get savings that may help you pay for things like annual eye exams, lenses and frames and certain treatments.

Learn about vision insurance

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Other Plan Options

Planning means expecting the unexpected. We offer budget-friendly supplemental insurance solutions, including life, accident, disability and critical illness options.

Learn about all plan options

Last Updated: Feb. 15, 2024