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Open Enrollment is your annual opportunity to review current benefit elections and make changes such as:
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Add/Change Life Insurance
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Add/Remove Dependent Coverage
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Elect or Re-Elect Vision Hardware Plan
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Update Coverage Elections for Medical and Dental Benefits
- Self Report Tobacco Use - You need to annually self-attest your, and if applicable your covered spouse/domestic partner's, nicotine use to avoid the $60 per month Tobacco Surcharge - an increase in 2026 from $30 per month. This is separate from the Live Life Well Incentive nicotine attestation.
You will receive a Legislator 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.
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).
Start Open Enrollment
Go to benefits.mt.gov or click the button below, then select the "Start Open Enrollment" button.
You can also enroll using the MyChoice Mobile App on your smartphone or tablet. Download the app through the Google Play Store for Android or the Apple App Store for iOS. Once downloaded, log in to benefits.mt.gov to receive your access code.
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.
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.
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.
Complete Open Enrollment to Win!
When you complete Open Enrollment by the deadlines listed below, you will automatically be entered to win. If you complete Open Enrollment by the October 29 deadline, you will be entered into both prize drawings and will double your chances of winning!
If you choose to complete Open Enrollment via the paper election form, the paper form must be received by HCBD by the deadlines listed below to be entered for a chance to win. As a reminder, only complete one Open Enrollment Election, either online, via a mobile device, or by returning the form.
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Drawing #1: Enroll by 12 pm October 29
If you complete Open Enrollment by 12 pm MST on October 29, 2025, you will be automatically entered for a chance to be 1 of 10 winners.
Winners may choose 1 of the following:
- 40oz Stanley Tumbler with Handle (any color)
- Coleman Portable Camping Chair
- JBL Mini Bluetooth Speaker
- Wireless Earbuds
- Snack Box Variety Pack (50 items)
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Drawing #2: Enroll by 12 pm November 5
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, Open Enrollment starts October 22 and you need to complete your enrollment by November 8.
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