Health insurance prices in Lake County, MT (2026)

39 marketplace plans from 3 insurers. Cheapest plan $424/mo; typical Silver $735/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).

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). Rating Area 3.

Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.

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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 $424–$673 (typical $530) · Silver $656–$903 (typical $735) · Gold $681–$872 (typical $803) · Catastrophic $317–$601 (typical $459)

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.

Comparecheapest planInsurerPlansCheapest planTypical BronzeTypical SilverTypical GoldCheapest plan name
Mountain Health CO-OP12$529$532$725$808Plus Bronze
PacificSource8$500$530$749$751Core Bronze HSA 10600
Blue Cross and Blue Shield of MontanaHCSC (Blue Cross Blue Shield company)19$424$545$773$768Blue Focus Bronze POS℠ 705

All 39 plans in Lake County, cheapest first

CompareInsurerPlanMetalNetworkMonthlyDeductibleOut-of-pocket maxBad year
Mountain Health CO-OPPeak PPO CatastrophicCatastrophicPPO$317$10,600$10,600$14,405
Blue Cross and Blue Shield of MontanaBlue Focus Bronze POS℠ 705BronzePOS$424$10,600$10,600$15,693
Blue Cross and Blue Shield of MontanaBlue Focus Bronze POS℠ StandardExpanded BronzePOS$458$7,500$10,000$15,492
Blue Cross and Blue Shield of MontanaBlue Focus Bronze POS℠ 205Expanded BronzePOS$490$3,500$9,950$15,827
PacificSourceCore Bronze HSA 10600BronzeEPO$500$10,600$10,600$16,600
Mountain Health CO-OPPlus BronzeExpanded BronzePPO$529$9,000$10,150$16,498
Mountain Health CO-OPPlus Bronze StandardExpanded BronzePPO$529$7,500$10,000$16,350
PacificSourceCore Bronze HSA 8300Expanded BronzeEPO$530$8,300$8,300$14,660
Mountain Health CO-OPPeak PPO Bronze StandardExpanded BronzePPO$535$7,500$10,000$16,419
Mountain Health CO-OPPeak PPO Bronze HDHPExpanded BronzePPO$543$8,400$8,400$14,914
PacificSourceCore Standard Expanded Bronze HSAExpanded BronzeEPO$564$7,500$10,000$16,768
Blue Cross and Blue Shield of MontanaBlue Preferred Bronze PPO℠ 201Expanded BronzePPO$600$6,000$10,600$17,796
Blue Cross and Blue Shield of MontanaBlue Preferred Security PPO℠ 200CatastrophicPPO$601$10,600$10,600$17,817
Blue Cross and Blue Shield of MontanaBlue Preferred Bronze PPO℠ StandardExpanded BronzePPO$629$7,500$10,000$17,549
Blue Cross and Blue Shield of MontanaBlue Focus Silver POS℠ StandardSilverPOS$656$6,000$8,900$16,771
Blue Cross and Blue Shield of MontanaBlue Focus Silver POS℠ 206SilverPOS$671$3,500$8,900$16,956
Blue Cross and Blue Shield of MontanaBlue Preferred Bronze PPO℠ 202Expanded BronzePPO$673$4,400$8,300$16,375
Blue Cross and Blue Shield of MontanaBlue Focus Gold POS℠ 207GoldPOS$681$250$8,900$17,075
Blue Cross and Blue Shield of MontanaBlue Focus Gold POS℠ StandardGoldPOS$684$2,000$8,200$16,404
Blue Cross and Blue Shield of MontanaBlue Focus Silver POS℠ 903SilverPOS$688$7,250$7,250$15,500
Blue Cross and Blue Shield of MontanaBlue Focus Gold POS℠ 902GoldPOS$695$1,000$8,500$16,836
Mountain Health CO-OPPlus Silver StandardSilverPPO$716$6,000$8,900$17,498
Mountain Health CO-OPPeak PPO Silver StandardSilverPPO$725$6,000$8,900$17,597
Mountain Health CO-OPPeak PPO SilverSilverPPO$730$8,000$9,500$18,259
PacificSourceCore Gold 1500GoldEPO$738$1,500$7,500$16,356
PacificSourceCore Silver 5000SilverEPO$740$5,000$8,600$17,480
PacificSourceCore Standard SilverSilverEPO$749$6,000$8,900$17,888
PacificSourceCore Standard GoldGoldEPO$764$2,000$8,200$17,368
PacificSourceCore Silver 3500SilverEPO$794$3,500$10,600$20,128
Mountain Health CO-OPPlus GoldGoldPPO$802$1,500$7,000$16,628
Mountain Health CO-OPPlus Gold StandardGoldPPO$804$2,000$8,200$17,847
Mountain Health CO-OPPeak PPO GoldGoldPPO$812$1,500$7,000$16,748
Mountain Health CO-OPPeak PPO Gold StandardGoldPPO$815$2,000$8,200$17,983
Blue Cross and Blue Shield of MontanaBlue Preferred Gold PPO℠ 204GoldPPO$842$1,500$9,950$20,056
Blue Cross and Blue Shield of MontanaBlue Preferred Gold PPO℠ 901GoldPPO$854$1,400$9,200$19,448
Blue Cross and Blue Shield of MontanaBlue Preferred Silver PPO℠ 203SilverPPO$859$2,000$10,500$20,810
Blue Cross and Blue Shield of MontanaBlue Preferred Gold PPO℠ StandardGoldPPO$872$2,000$8,200$18,667
Blue Cross and Blue Shield of MontanaBlue Preferred Silver PPO℠ StandardSilverPPO$880$6,000$8,900$19,458
Blue Cross and Blue Shield of MontanaBlue Preferred Silver PPO℠ 308SilverPPO$903$7,250$7,250$18,082
Deductibles and a bad year, by metal level
MetalLowestTypical*HighestPlansTypical deductibleTypical out-of-pocket maxTypical bad year**
Bronze$424$530$67313$7,500$10,000$16,375
Silver$656$735$90312$6,000$8,900$17,743
Gold$681$803$87212$1,500$8,200$17,221
CatastrophicUnder 30 or hardship exemption only$317$459$6012$10,600$10,600$16,111

* 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.

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