Core Gold 1500
Starting at
$694
/month before subsidy
Core Gold 1500 is a 2026 Gold EPO health insurance plan from PacificSource Health Plans, sold on the ACA Marketplace in Montana under plan ID 23603MT0380008. The monthly premium starts at $694 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,500 ($3,000 for a family), and the individual out-of-pocket maximum is $7,500 ($15,000 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 23603MT0380008
- Plan year
- 2026
- State
- Montana
- Metal level
- Gold
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$1,500
Family: $3,000
Out-of-Pocket Max
$7,500
Family: $15,000
Coinsurance
30%
You pay after deductible
Network Type
EPO
MTN003
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$4,870
your estimated cost
- Deductible
- $1,500
- Copays
- $10
- Coinsurance
- $3,300
Managing type 2 diabetes
A year of routine care
$2,020
your estimated cost
- Deductible
- $1,500
- Copays
- $400
- Coinsurance
- $100
A simple fracture
ER visit + follow-up
$1,910
your estimated cost
- Deductible
- $1,500
- Copays
- $10
- Coinsurance
- $400
Enter your ZIP code first to search nearby doctors.
This Gold EPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,319/month
Annual Premium
$8,328
OOP Maximum
$7,500
💡 What this means:
With a $1,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $7,500 total. Then insurance covers everything else for the year.
More plans from PacificSource Health Plans in Montana
Frequently asked questions about Core Gold 1500
How much does Core Gold 1500 cost per month?
Core Gold 1500 from PacificSource Health Plans starts at $694 per month before any subsidy in Montana. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Core Gold 1500?
The individual medical deductible is $1,500, and the family deductible is $3,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Core Gold 1500?
The most you would pay in a year for covered in-network care is $7,500 for an individual and $15,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Core Gold 1500 HSA-eligible?
No. Core Gold 1500 is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Core Gold 1500 use?
Core Gold 1500 is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.