Blue Focus Bronze POS℠ 205
Starting at
$490
/month before subsidy
Blue Focus Bronze POS℠ 205 is a 2026 Expanded_bronze POS health insurance plan from Blue Cross and Blue Shield of Montana, sold on the ACA Marketplace in Montana under plan ID 30751MT0670013. The monthly premium starts at $490 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $3,500 ($7,000 for a family), and the individual out-of-pocket maximum is $9,950 ($19,900 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 30751MT0670013
- Plan year
- 2026
- State
- Montana
- Metal level
- Expanded_bronze
- Plan type
- POS
- HSA-eligible
- Yes
Individual Deductible
$3,500
Family: $7,000
Out-of-Pocket Max
$9,950
Family: $19,900
Coinsurance
50%
You pay after deductible
Network Type
POS
MTN008
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$8,070
your estimated cost
- Deductible
- $3,500
- Copays
- $10
- Coinsurance
- $4,500
Managing type 2 diabetes
A year of routine care
$2,020
your estimated cost
- Deductible
- $1,600
- Copays
- $400
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,319/month
Annual Premium
$5,880
OOP Maximum
$9,950
💡 What this means:
With a $3,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $9,950 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 Bronze POS℠ 205
How much does Blue Focus Bronze POS℠ 205 cost per month?
Blue Focus Bronze POS℠ 205 from Blue Cross and Blue Shield of Montana starts at $490 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 Bronze POS℠ 205?
The individual medical deductible is $3,500, and the family deductible is $7,000. 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 Bronze POS℠ 205?
The most you would pay in a year for covered in-network care is $9,950 for an individual and $19,900 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Focus Bronze POS℠ 205 HSA-eligible?
Yes. Blue Focus Bronze POS℠ 205 is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does Blue Focus Bronze POS℠ 205 use?
Blue Focus Bronze POS℠ 205 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.