Blue Focus Silver POS℠ Standard
Starting at
$551
/month before subsidy
Blue Focus Silver POS℠ Standard is a 2026 Silver POS health insurance plan from Blue Cross and Blue Shield of Montana, sold on the ACA Marketplace in Montana under plan ID 30751MT0670008. The monthly premium starts at $551 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $6,000 ($12,000 for a family), and the individual out-of-pocket maximum is $8,900 ($17,800 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 30751MT0670008
- Plan year
- 2026
- State
- Montana
- Metal level
- Silver
- Plan type
- POS
- HSA-eligible
- No
Individual Deductible
$6,000
Family: $12,000
Out-of-Pocket Max
$8,900
Family: $17,800
Coinsurance
40%
You pay after deductible
Network Type
POS
MTN008
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$8,710
your estimated cost
- Deductible
- $6,000
- Copays
- $50
- Coinsurance
- $2,600
Managing type 2 diabetes
A year of routine care
$1,820
your estimated cost
- Deductible
- $900
- Copays
- $900
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,500
your estimated cost
- Deductible
- $2,100
- Copays
- $400
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver POS plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,293/month
Annual Premium
$6,612
OOP Maximum
$8,900
💡 What this means:
With a $6,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $8,900 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 Focus Silver POS℠ Standard
How much does Blue Focus Silver POS℠ Standard cost per month?
Blue Focus Silver POS℠ Standard from Blue Cross and Blue Shield of Montana starts at $551 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 Focus Silver POS℠ Standard?
The individual medical deductible is $6,000, and the family deductible is $12,000. 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 Blue Focus Silver POS℠ Standard?
The most you would pay in a year for covered in-network care is $8,900 for an individual and $17,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Focus Silver POS℠ Standard HSA-eligible?
No. Blue Focus Silver POS℠ Standard 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 Focus Silver POS℠ Standard use?
Blue Focus Silver POS℠ Standard is a POS plan. POS plans blend HMO and PPO features: you pick a primary care provider and can go out of network at a higher cost.
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.