Montana residents in need of affordable healthcare can review plans and prices by visiting the health insurance marketplace at www.healthcare.gov.
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How to Buy Health Insurance in Montana
Residents of Montana who do not receive health insurance coverage from their employer or the government can purchase coverage through the health insurance exchange or a health insurance marketplace. The marketplace, created by the Affordable Care Act, is the place to get health insurance if you are self-employed or work for an employer who doesn’t provide health coverage. The government operates Montana’s health insurance marketplace; therefore, individuals have the option to enroll themselves or their members using the healthcare.gov website.
How to Apply for Health Insurance in Montana
To be eligible to enroll in a health insurance plan through the marketplace, you must be a U.S. citizen or national and live in the United States. To enroll, visit the healthcare.gov website and apply for benefits through the marketplace. From there, the website will direct you to Montana’s health insurance marketplace.
You also have the option to contact the marketplace call center by phone or locate a local center where you can apply for healthcare in person and ask any questions you may have.
Health Insurance Carriers In Montana
While many other states have seen fluctuation when it comes to carrier participation, Montana has maintained stability. The state requires all three insurance carriers to offer their coverage statewide. These carriers are Blue Cross Blue Shield of Montana (Health Care Service Corporation), PacificSource, and Montana/Mountain Health CO-OP.
Montana Health Insurance Costs Overview
There are three metal tiers for Montana Health Insurance Plans: Bronze, Silver, and Gold. The more coverage you want, the more expensive your monthly premiums will be.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Montana?
In 2025, the average benchmark cost of Montana Health Insurance Plans throughout the metal tiers is $554 per month.
What is the Cheapest Health Insurance Plan in Montana?
Health insurance plan costs depend on your individual needs and preferences. Please contact us to find the health insurance plan that suits your needs.
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Cheapest Montana Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Montana in 2025 was $596.
Silver Plans
The average lowest cost premium of a Silver Plan in Montana in 2025 was $540.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $375.
Other Types of Montana Health Insurance Coverage
Catastrophic Health Insurance in Montana
A catastrophic health insurance policy pays your medical bills once you have reached a high deductible. The plans must cover your first three primary care visits and all preventative care for free, even if you have not reached your deductible.
Short Term Health Insurance in Montana
A short-term health insurance plan is an affordable option for healthcare coverage during a transitional period in their life. It is also commonly referred to as temporary health insurance.
Low Income Health Insurance in Montana
Low-income health insurance options are available to eligible residents in Montana. The insurance coverage is available either at a low cost or no cost to the policyholders.
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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D