Blue Preferred Gold PPO℠ 901
Starting at
$854
/month before subsidy
Blue Preferred Gold PPO℠ 901 is a 2026 Gold PPO health insurance plan from Blue Cross and Blue Shield of Montana, sold on the ACA Marketplace in Montana under plan ID 30751MT0550104. The monthly premium starts at $854 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,400 ($2,800 for a family), and the individual out-of-pocket maximum is $9,200 ($18,400 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 30751MT0550104
- Plan year
- 2026
- State
- Montana
- Metal level
- Gold
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$1,400
Family: $2,800
Out-of-Pocket Max
$9,200
Family: $18,400
Coinsurance
30%
You pay after deductible
Network Type
PPO
MTN009
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$4,760
your estimated cost
- Deductible
- $1,400
- Copays
- $0
- Coinsurance
- $3,300
Managing type 2 diabetes
A year of routine care
$1,320
your estimated cost
- Deductible
- $900
- Copays
- $400
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,800
your estimated cost
- Deductible
- $1,400
- Copays
- $100
- Coinsurance
- $300
Enter your ZIP code first to search nearby doctors.
This Gold PPO 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
$1,621/month
Annual Premium
$10,248
OOP Maximum
$9,200
💡 What this means:
With a $1,400 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $9,200 total. Then insurance covers everything else for the year.
More plans from Blue Cross and Blue Shield of Montana in Montana
- Blue Preferred Security PPO℠ 200from $497/mo
- Blue Preferred Security PPO℠ 200from $602/mo
- Blue Preferred Security PPO℠ 200from $601/mo
- Blue Preferred Security PPO℠ 200from $556/mo
- Blue Focus Bronze POS℠ 705from $354/mo
- Blue Focus Bronze POS℠ 705from $479/mo
- Blue Focus Bronze POS℠ 705from $424/mo
- Blue Focus Bronze POS℠ 205from $409/mo
Frequently asked questions about Blue Preferred Gold PPO℠ 901
How much does Blue Preferred Gold PPO℠ 901 cost per month?
Blue Preferred Gold PPO℠ 901 from Blue Cross and Blue Shield of Montana starts at $854 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 Blue Preferred Gold PPO℠ 901?
The individual medical deductible is $1,400, and the family deductible is $2,800. 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 Blue Preferred Gold PPO℠ 901?
The most you would pay in a year for covered in-network care is $9,200 for an individual and $18,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Preferred Gold PPO℠ 901 HSA-eligible?
No. Blue Preferred Gold PPO℠ 901 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 Blue Preferred Gold PPO℠ 901 use?
Blue Preferred Gold PPO℠ 901 is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
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.