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This email is sent to all eligible State Plan members. If you have already completed your Open Enrollment, ignore the prompt to start it again.
Start Open Enrollment
Go to benefits.mt.gov or click the button above, then select the "Start Open Enrollment" button.
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If accessing on the State of Montana network, you will automatically enter the system and not be required to register.
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Department of Justice employees will need to login using their C# and computer password.
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Department of Military Affairs employees will need to access the enrollment system off the state network, meaning they will need to create their own User Name and Password.
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If accessing off of the State of Montana network, login using the prompts provided. First time users: Register your User Name and Password and answer a few security questions. The case-sensitive company key is "stateofmontana".
You can also enroll using the MyChoice Mobile App. Once downloaded, log in to benefits.mt.gov to receive your access code.
Open Enrollment Resources
Click the image above to learn how to complete Open Enrollment.
2026 Plan Year Changes
The passage of HB13 during Montana's 69th legislative session, along with the outcome of the 2024 union negotiations, secured important financial changes to the State Plan that support its long-term financial stability. These changes go into effect January 1, 2026.
Flexible Spending Accounts (FSAs) will also be changing effective January 1, 2026. Details at benefits.mt.gov/fsa.
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Medical Flexible Spending Account (FSA): Annual maximum contribution for Plan Year 2026 is $3,300 and $660 of unused contributions at the end of Plan Year 2025 will be allowed to rollover to Plan Year 2026.
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Dependent Care (Day Care) FSA: Annual maximum contribution for Plan Year 2026 per household is $7,500 ($3,750 if married filing separately). Unused funds will be forfeited at the end of the Plan Year. Rollover is not allowed.
The State Plan is currently negotiating with Montana facilities (hospitals) to
ensure the contributions collected from the State of Montana (employer
contribution/state share) and employees, legislators, and retirees are used to
maintain equitable and sustainable benefits, as well as cover the cost of health
care services for all State Plan members.
If some facilities choose not to negotiate fair rates, the State may need to
make adjustments to the medical benefit (deductibles, coinsurance,
copayments for office or urgent care visits, or the maximum out-of-pocket
amount) to help keep the plan affordable and sustainable without adjusting
contributions (the bi-weekly amount you pay for benefits from your paycheck).
If your medical benefit will change in 2026 you will receive a 60 day
notice from HCBD and you will be afforded the opportunity to adjust
your Medical FSA contribution.
Congrats to the First Round of Prize Winners!
Everyone who completed Open Enrollment by 12 pm MST on October 29, 2025 was automatically entered to win the drawing. Winners will receive a separate email from HCBD to coordinate delivery of their prizes.
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Winners identified by initials for privacy purposes.
One More Chance to Win
If you complete Open Enrollment by 12 pm MDT on November 5, 2025, you will be automatically entered for a chance to be 1 of 10 winners. This includes everyone who completed enrollment in time for the first drawing.
Winners may choose 1 of the following:
- Bluetooth Headphones
- Yeti 10oz Wine Tumbler
- Wireless Charger Stand
- Picnic Blanket (water resistant and padded)
- Soft Sided Cooler
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Open Enrollment Reminder
After Open Enrollment ends, you cannot change your benefit elections for 2026, unless you experience an eligible life event, like a change in your marital status, a new baby or child in the family, or the loss/gain of other healthcare coverage. Changes must be made within 60 days of the date of event (91 days if the event is birth or adoption).
You need to complete Open Enrollment by November 8 to enroll in 2026 State Plan benefits.
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