Health insurance prices in Lewis and Clark County, MT (2026)
39 marketplace plans from 3 insurers. Cheapest plan $479/mo; typical Silver $804/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 2.
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 $479–$671 (typical $596) · Silver $739–$899 (typical $804) · Gold $745–$918 (typical $842) · Catastrophic $357–$602 (typical $479)
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 plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| PacificSource | 8 | $505 | $535 | $757 | $758 | Core Bronze HSA 10600 | |
| Blue Cross and Blue Shield of MontanaHCSC (Blue Cross Blue Shield company) | 19 | $479 | $575 | $814 | $807 | Blue Focus Bronze POS℠ 705 | |
| Mountain Health CO-OP | 12 | $596 | $599 | $816 | $910 | Plus Bronze |
All 39 plans in Lewis and Clark County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Mountain Health CO-OP | Peak PPO Catastrophic | Catastrophic | PPO | $357 | $10,600 | $10,600 | $14,884 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ 705 | Bronze | POS | $479 | $10,600 | $10,600 | $16,352 | |
| PacificSource | Core Bronze HSA 10600 | Bronze | EPO | $505 | $10,600 | $10,600 | $16,660 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ Standard | Expanded Bronze | POS | $517 | $7,500 | $10,000 | $16,208 | |
| PacificSource | Core Bronze HSA 8300 | Expanded Bronze | EPO | $535 | $8,300 | $8,300 | $14,720 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ 205 | Expanded Bronze | POS | $551 | $3,500 | $9,950 | $16,562 | |
| PacificSource | Core Standard Expanded Bronze HSA | Expanded Bronze | EPO | $570 | $7,500 | $10,000 | $16,840 | |
| Mountain Health CO-OP | Plus Bronze | Expanded Bronze | PPO | $596 | $9,000 | $10,150 | $17,296 | |
| Mountain Health CO-OP | Plus Bronze Standard | Expanded Bronze | PPO | $596 | $7,500 | $10,000 | $17,148 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Bronze PPO℠ 201 | Expanded Bronze | PPO | $599 | $6,000 | $10,600 | $17,791 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Security PPO℠ 200 | Catastrophic | PPO | $602 | $10,600 | $10,600 | $17,820 | |
| Mountain Health CO-OP | Peak PPO Bronze Standard | Expanded Bronze | PPO | $602 | $7,500 | $10,000 | $17,226 | |
| Mountain Health CO-OP | Peak PPO Bronze HDHP | Expanded Bronze | PPO | $611 | $8,400 | $8,400 | $15,733 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Bronze PPO℠ Standard | Expanded Bronze | PPO | $628 | $7,500 | $10,000 | $17,537 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Bronze PPO℠ 202 | Expanded Bronze | PPO | $671 | $4,400 | $8,300 | $16,354 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Silver POS℠ Standard | Silver | POS | $739 | $6,000 | $8,900 | $17,772 | |
| PacificSource | Core Gold 1500 | Gold | EPO | $745 | $1,500 | $7,500 | $16,440 | |
| PacificSource | Core Silver 5000 | Silver | EPO | $748 | $5,000 | $8,600 | $17,576 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Silver POS℠ 206 | Silver | POS | $755 | $3,500 | $8,900 | $17,959 | |
| PacificSource | Core Standard Silver | Silver | EPO | $757 | $6,000 | $8,900 | $17,984 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ 207 | Gold | POS | $761 | $250 | $8,900 | $18,028 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ Standard | Gold | POS | $766 | $2,000 | $8,200 | $17,392 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Silver POS℠ 903 | Silver | POS | $772 | $7,250 | $7,250 | $16,510 | |
| PacificSource | Core Standard Gold | Gold | EPO | $772 | $2,000 | $8,200 | $17,464 | |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ 902 | Gold | POS | $777 | $1,000 | $8,500 | $17,823 | |
| PacificSource | Core Silver 3500 | Silver | EPO | $802 | $3,500 | $10,600 | $20,224 | |
| Mountain Health CO-OP | Plus Silver Standard | Silver | PPO | $807 | $6,000 | $8,900 | $18,579 | |
| Mountain Health CO-OP | Peak PPO Silver Standard | Silver | PPO | $816 | $6,000 | $8,900 | $18,691 | |
| Mountain Health CO-OP | Peak PPO Silver | Silver | PPO | $822 | $8,000 | $9,500 | $19,361 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ 204 | Gold | PPO | $836 | $1,500 | $9,950 | $19,986 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ 901 | Gold | PPO | $848 | $1,400 | $9,200 | $19,382 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Silver PPO℠ 203 | Silver | PPO | $856 | $2,000 | $10,500 | $20,775 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ Standard | Gold | PPO | $866 | $2,000 | $8,200 | $18,595 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Silver PPO℠ Standard | Silver | PPO | $876 | $6,000 | $8,900 | $19,413 | |
| Blue Cross and Blue Shield of Montana | Blue Preferred Silver PPO℠ 308 | Silver | PPO | $899 | $7,250 | $7,250 | $18,035 | |
| Mountain Health CO-OP | Plus Gold | Gold | PPO | $903 | $1,500 | $7,000 | $17,839 | |
| Mountain Health CO-OP | Plus Gold Standard | Gold | PPO | $905 | $2,000 | $8,200 | $19,061 | |
| Mountain Health CO-OP | Peak PPO Gold | Gold | PPO | $915 | $1,500 | $7,000 | $17,974 | |
| Mountain Health CO-OP | Peak PPO Gold Standard | Gold | PPO | $918 | $2,000 | $8,200 | $19,213 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $479 | $596 | $671 | 13 | $7,500 | $10,000 | $16,660 |
| Silver | $739 | $804 | $899 | 12 | $6,000 | $8,900 | $18,307 |
| Gold | $745 | $842 | $918 | 12 | $1,500 | $8,200 | $18,001 |
| CatastrophicUnder 30 or hardship exemption only | $357 | $479 | $602 | 2 | $10,600 | $10,600 | $16,352 |
* 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.