Health insurance prices in Montana (2026)
90 marketplace plans from 3 insurers across 56 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $354–$673 (typical $530) · Silver $551–$903 (typical $747) · Gold $566–$918 (typical $789) · Catastrophic $312–$602 (typical $427)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 56) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Mountain Health CO-OP | 56 | 15 | $445 | $529 | $719 | $803 | Rocky Mountain Bronze Standard |
| PacificSource | 56 | 8 | $470 | $530 | $748 | $745 | Core Bronze HSA 10600 |
| Blue Cross and Blue Shield of MontanaHCSC (Blue Cross Blue Shield company) | 56 | 67 | $354 | $551 | $755 | $766 | Blue Focus Bronze POS℠ 705 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $354 | $530 | $673 | 29 | $7,500 | $10,000 | $16,351 |
| Silver | $551 | $747 | $903 | 28 | $6,000 | $8,900 | $17,830 |
| Gold | $566 | $789 | $918 | 28 | $1,500 | $8,200 | $17,584 |
| CatastrophicUnder 30 or hardship exemption only | $312 | $427 | $602 | 5 | $10,600 | $10,600 | $15,725 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Montana
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Beaverhead County | 3 | 30 | $505 | $536 | $757 |
| Big Horn County | 3 | 30 | $505 | $536 | $757 |
| Blaine County | 3 | 30 | $505 | $536 | $757 |
| Broadwater County | 3 | 30 | $505 | $597 | $816 |
| Carbon County | 3 | 42 | $354 | $510 | $706 |
| Carter County | 3 | 30 | $505 | $536 | $757 |
| Cascade County | 3 | 39 | $479 | $596 | $804 |
| Chouteau County | 3 | 30 | $505 | $597 | $816 |
| Custer County | 3 | 30 | $505 | $536 | $757 |
| Daniels County | 3 | 30 | $505 | $536 | $757 |
| Dawson County | 3 | 30 | $505 | $536 | $757 |
| Deer Lodge County | 3 | 30 | $505 | $597 | $816 |
| Fallon County | 3 | 30 | $505 | $536 | $757 |
| Fergus County | 3 | 30 | $505 | $536 | $757 |
| Flathead County | 3 | 39 | $424 | $530 | $735 |
| Gallatin County | 3 | 39 | $479 | $596 | $804 |
| Garfield County | 3 | 30 | $505 | $536 | $757 |
| Glacier County | 3 | 30 | $505 | $536 | $757 |
| Golden Valley County | 3 | 30 | $505 | $536 | $757 |
| Granite County | 3 | 30 | $505 | $536 | $757 |
| Hill County | 3 | 30 | $505 | $536 | $757 |
| Jefferson County | 3 | 30 | $505 | $597 | $816 |
| Judith Basin County | 3 | 30 | $505 | $597 | $816 |
| Lake County | 3 | 39 | $424 | $530 | $735 |
| Lewis and Clark County | 3 | 39 | $479 | $596 | $804 |
| Liberty County | 3 | 30 | $505 | $536 | $757 |
| Lincoln County | 3 | 30 | $505 | $536 | $757 |
| Madison County | 3 | 30 | $505 | $536 | $757 |
| McCone County | 3 | 30 | $505 | $536 | $757 |
| Meagher County | 3 | 30 | $505 | $536 | $757 |
| Mineral County | 3 | 30 | $505 | $536 | $757 |
| Missoula County | 3 | 39 | $424 | $530 | $735 |
| Musselshell County | 3 | 42 | $354 | $510 | $706 |
| Park County | 3 | 30 | $505 | $536 | $757 |
| Petroleum County | 3 | 30 | $505 | $536 | $757 |
| Phillips County | 3 | 30 | $505 | $536 | $757 |
| Pondera County | 3 | 30 | $505 | $536 | $757 |
| Powder River County | 3 | 30 | $505 | $536 | $757 |
| Powell County | 3 | 30 | $505 | $536 | $757 |
| Prairie County | 3 | 30 | $505 | $536 | $757 |
| Ravalli County | 3 | 30 | $505 | $536 | $757 |
| Richland County | 3 | 30 | $505 | $536 | $757 |
| Roosevelt County | 3 | 30 | $505 | $536 | $757 |
| Rosebud County | 3 | 30 | $505 | $536 | $757 |
| Sanders County | 3 | 30 | $505 | $536 | $757 |
| Sheridan County | 3 | 30 | $505 | $536 | $757 |
| Silver Bow County | 3 | 30 | $505 | $597 | $816 |
| Stillwater County | 3 | 39 | $354 | $521 | $710 |
| Sweet Grass County | 3 | 42 | $354 | $510 | $706 |
| Teton County | 3 | 30 | $505 | $597 | $816 |
| Toole County | 3 | 30 | $505 | $536 | $757 |
| Treasure County | 3 | 30 | $505 | $536 | $757 |
| Valley County | 3 | 30 | $505 | $536 | $757 |
| Wheatland County | 3 | 30 | $505 | $536 | $757 |
| Wibaux County | 3 | 30 | $505 | $536 | $757 |
| Yellowstone County | 3 | 42 | $354 | $510 | $706 |
To compare insurance plans side by side (or with health sharing), open your county.