ACA Health Insurance > Break Down > Health Insurance in Montana
Health Insurance Montana: Your Roadmap to Affordable Coverage
From Billings to Bozeman—We’ve Got Montana Covered.
Hey there, Montana neighbor! Trying to figure out health insurance in Montana? Whether you’re starting fresh or shopping for a better plan, this guide is built to keep things simple. No jargon. No overwhelm. Just friendly help that speaks your language—and understands your landscape.
Why Should You Buy Health Insurance in Montana?
Montana’s wide-open beauty comes with wide-open medical costs too. Health insurance helps you stay protected whether you’re in town or miles from the nearest clinic.
Why coverage matters in Montana:
Over 11% of Montanans under 65 are uninsured—above the national average.
Rural access to care can be limited, making early detection and telehealth more important.
ACA plans include free preventive care like checkups, screenings, and vaccines.
Even if you’re healthy now, staying covered keeps you ahead of the curve—and protects your finances if something unexpected happens.
Types of Health Insurance Available in Montana
Marketplace Plans (ACA via HealthCare.gov)
Montana residents use the federal HealthCare.gov exchange to compare ACA-compliant plans and apply for financial help.
Short-Term Insurance
Short-term plans are available for brief transitions like job changes. They’re not ACA-compliant but may work for some limited needs.
Medicare
Available to those 65+ or with qualifying conditions. Covers hospital, outpatient, and prescription care—with optional add-ons for expanded coverage.
Medicaid (Montana Medicaid & HMK Plus)
Montana Medicaid and Healthy Montana Kids Plus (HMK Plus) offer free or low-cost coverage for qualifying individuals, families, and children.
Private Insurance
Many Montanans get coverage through employers or buy plans directly. We help compare these to ACA and other options.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Montana?
Montana doesn’t have a state-level mandate, and there’s no longer a federal penalty either. But skipping coverage could cost you in other ways.
Without insurance, a surprise illness or injury could lead to sky-high medical bills. Plus, you’d miss out on free preventive care that helps catch issues early.
Even though it’s not required, having health insurance in Montana is still one of the best ways to protect yourself and your family.
How Much Does Health Insurance Cost in Montana?
Health insurance costs vary by age, zip code, household size, and income. Luckily, many Montanans qualify for premium tax credits that lower monthly premiums through HealthCare.gov.
Some pay $0/month after subsidies. Many others pay under $75/month depending on income. And for kids, HMK Plus offers low-cost or no-cost coverage options.
If you're on Medicare, plan costs depend on whether you choose Original Medicare, Advantage, or supplemental plans.
💡 Consider adding a calculator here to help Montana residents estimate their costs.
How to Pick the Right Health Plan for You
To choose the best plan, ask yourself:
How often do I visit a doctor?
What medications do I take regularly?
Do I want to keep my current doctor?
What’s my budget for monthly premiums and annual expenses?
Some Montanans prefer low premiums with higher deductibles. Others want more coverage to limit out-of-pocket surprises.
If you’re not sure, our Montana-based agents can help you weigh the options and find the plan that fits best—without the hard sell.
Our Health Insurance Services in Montana
We make understanding and enrolling in health insurance simple, clear, and Montana-tough.
Who We Help
We assist:
Ranchers, freelancers, and self-employed workers
Young adults aging off a parent’s plan
Seniors entering Medicare
Families looking for affordable, flexible options
Anyone who wants help navigating healthcare without the runaround
What We Offer
We assist with:
ACA plans on HealthCare.gov
Private insurance options
Medicare and Medicaid enrollment
Dual-eligible and special needs plans
Vision, dental, and prescription discounts
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans.
Talk to an agent (optional).
Enroll online or by phone.
And just like that—you’re covered.
Most Affordable Health Insurance in Montana
Here are three top carriers offering budget-friendly ACA plans in Montana:
Blue Cross and Blue Shield of Montana – A trusted name with wide state coverage and strong support.
PacificSource Health Plans – Known for competitive pricing and solid preventive care options.
Montana Health CO-OP – Member-owned, community-driven plans with a local focus.
We’ll help you compare plans across these and more to find your best match based on needs and budget.
Top 3 Most Uninsured Cities in Montana
Some areas of the state have higher uninsured rates than others:
Missoula, MT – Younger populations and part-time employment contribute to gaps in coverage.
Great Falls, MT – Rural outskirts and seasonal work leave some residents uninsured.
Butte, MT – Economic barriers and limited awareness impact health insurance access.
Wherever you live in Big Sky Country, we’re here to help you get covered.
Final Tip from Your Friendly Guide
Montana’s landscape may be rugged, but your health insurance journey doesn’t have to be. Getting covered is one of the smartest things you can do—for your health and your peace of mind.
If you’re ready to explore your options, talk to someone who understands, or get enrolled today, we’re ready to help. Let’s get you covered.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!