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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.
You can also enroll using the MyChoice Mobile App. Once downloaded, log in to benefits.mt.gov to receive your access code.
You should have received a Retiree Open Enrollment Election Form in the mail as an alternative to completing your election(s) online. If completing the printed election form, it must be returned to HCBD by November 8, 2025. Only complete one Open Enrollment Election, either online, via a mobile device, or by returning the form.
Open Enrollment Resources
Click the image above to learn how to complete Open Enrollment.
2026 Plan Year Changes
Due to increasing medical trends and increased costs, medical plan rates will be increasing by 4%. Retiree dental and vision rates will remain the same. Details at benefits.mt.gov/rates.
Additional changes that go into effect January 1, 2026:
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 your monthly contributions.
If your medical benefit will change in 2026 you will receive a 60 day notice from HCBD.
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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Remember, if you choose to complete Open Enrollment via the paper election form, the paper form must be received by HCBD by the deadline listed above to be entered for a chance to win. Only complete one Open Enrollment Election, either online, via a mobile device, or by returning the form.
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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