Blue Focus Gold POS℠ 902
Starting at
$695
/month before subsidy
Blue Focus Gold POS℠ 902 is a 2026 Gold POS health insurance plan from Blue Cross and Blue Shield of Montana, sold on the ACA Marketplace in Montana under plan ID 30751MT0670035. The monthly premium starts at $695 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,000 ($2,000 for a family), and the individual out-of-pocket maximum is $8,500 ($17,000 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 30751MT0670035
- Plan year
- 2026
- State
- Montana
- Metal level
- Gold
- Plan type
- POS
- HSA-eligible
- No
Individual Deductible
$1,000
Family: $2,000
Out-of-Pocket Max
$8,500
Family: $17,000
Coinsurance
30%
You pay after deductible
Network Type
POS
MTN008
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$4,570
your estimated cost
- Deductible
- $1,000
- Copays
- $10
- Coinsurance
- $3,500
Managing type 2 diabetes
A year of routine care
$1,420
your estimated cost
- Deductible
- $900
- Copays
- $500
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,500
your estimated cost
- Deductible
- $1,000
- Copays
- $100
- Coinsurance
- $400
Enter your ZIP code first to search nearby doctors.
This Gold POS 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
$1,403/month
Annual Premium
$8,340
OOP Maximum
$8,500
💡 What this means:
With a $1,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,500 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 Gold POS℠ 902
How much does Blue Focus Gold POS℠ 902 cost per month?
Blue Focus Gold POS℠ 902 from Blue Cross and Blue Shield of Montana starts at $695 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 Gold POS℠ 902?
The individual medical deductible is $1,000, and the family deductible is $2,000. 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 Gold POS℠ 902?
The most you would pay in a year for covered in-network care is $8,500 for an individual and $17,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Focus Gold POS℠ 902 HSA-eligible?
No. Blue Focus Gold POS℠ 902 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 Gold POS℠ 902 use?
Blue Focus Gold POS℠ 902 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.