Montana Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in Montana. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$530/mo
Age 40, before credits
Avg Deductible
$4,700
Silver plan
Medicaid
Expanded
Up to 138% FPL
Insurers
4
On marketplace
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Top Health Insurers in Montana
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
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Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 15
- •Montana Medicaid covers adults up to 138% FPL
- •ACA subsidies via HealthCare.gov
Montana Health Insurance Facts
Montana expanded Medicaid in 2015 — renewed permanently in 2019.
BCBS Montana and PacificSource are the main marketplace options.
Rural geography drives higher healthcare delivery costs.
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