Rocky Mountain PPO Gold
Starting at
$786
/month before subsidy
Rocky Mountain PPO Gold is a 2027 Gold PPO health insurance plan from Mountain Health CO-OP, sold on the ACA Marketplace in Montana under plan ID 32225MT0150007. The monthly premium starts at $786 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,000 ($4,000 for a family), and the individual out-of-pocket maximum is $7,000 ($14,000 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 32225MT0150007
- Plan year
- 2027
- State
- Montana
- Metal level
- Gold
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$2,000
Family: $4,000
Out-of-Pocket Max
$7,000
Family: $14,000
Coinsurance
30%
You pay after deductible
Network Type
PPO
MTN003
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
$5,270
your estimated cost
- Deductible
- $2,000
- Copays
- $10
- Coinsurance
- $3,200
Managing type 2 diabetes
A year of routine care
$1,520
your estimated cost
- Deductible
- $900
- Copays
- $600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,630
your estimated cost
- Deductible
- $2,000
- Copays
- $600
- Coinsurance
- $30
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
$1,369/month
Annual Premium
$9,432
OOP Maximum
$7,000
💡 What this means:
With a $2,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $7,000 total. Then insurance covers everything else for the year.
More plans from Mountain Health CO-OP in Montana
Frequently asked questions about Rocky Mountain PPO Gold
How much does Rocky Mountain PPO Gold cost per month?
Rocky Mountain PPO Gold from Mountain Health CO-OP starts at $786 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 Rocky Mountain PPO Gold?
The individual medical deductible is $2,000, and the family deductible is $4,000. 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 Rocky Mountain PPO Gold?
The most you would pay in a year for covered in-network care is $7,000 for an individual and $14,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Rocky Mountain PPO Gold HSA-eligible?
No. Rocky Mountain PPO Gold 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 Rocky Mountain PPO Gold use?
Rocky Mountain PPO Gold 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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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.