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INDIVIDUAL & FAMILY

Find Out if You Qualify for Savings

You might be able to pay less for your Blue Cross and Blue Shield of Montana plan. Learn how to save and if you qualify.

Shopping for 2025 coverage during Open Enrollment? You may qualify for savings, even if you haven't in the past.

Little girl sitting on the floor putting coins into a piggy bank.
Young couple sitting on the couch and comparing health insurance bils.

PREMIUM TAX CREDITS

Tax Credits for Your Monthly Bill

A premium tax credit is offered by the government and based on things like your income and family size. If you're eligible, it can help you pay less on your monthly bill — even as little as $0. During Open Enrollment, use our shopping platform to learn if you qualify and apply your savings:

  • Enter your ZIP code on our shopping platform
  • When prompted, choose to find out if you qualify for a subsidy
  • Enter your information and continue enrolling to apply it to your plan
Find Your Savings
Young boy getting his heartbeat checked during a primary care physician appointment.

COST SHARING REDUCTION

Save on Out-of-Pocket Costs

Cost sharing reduction, or CSR, is a discount that helps you pay less on out-of-pocket costs like copays, deductibles and coinsurance. Learn if you qualify for a CSR when you get your premium tax credit estimate.

Please note, you’ll need to enroll in a Silver level plan to apply CSR savings.

Check Your Eligibility
Thoughtful woman looking to the side while reviewing her ICHRA balance.

ICHRA

Get Reimbursed Through Your Job

An Individual Coverage Health Reimbursement Arrangement, or ICHRA, is a reimbursement offered through your job to help cover the cost of your insurance. When you're shopping for BCBSMT insurance, you'll have the chance to enter an ICHRA balance if you have one.

If your job doesn’t have health insurance as a benefit, ask HR if they offer ICHRA. 

Learn More