Montana health insurance in 2027: the KFF benchmark against every state, the insurers, lowest prices by county, Open Enrollment dates and the tax-credit line.
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Short answer: Montana buys its marketplace plans through HealthCare.gov. KFF’s 2027 benchmark Silver premium for a 40-year-old is $889 a month there, 26% above the U.S. average of $704 and 45th of the 51 states and D.C. from cheapest. Below the 2027 tax-credit line the credit absorbs most of the price; above it, the full price is what you pay.
The cheapest 2027 benchmark in the country is New Hampshire ($486) and the dearest Vermont ($1,313); Montana sits at $889. The benchmark is the second-lowest-cost Silver plan for a 40-year-old, the plan the tax credit is measured against, so below the credit line every state costs the same share of income and the ranking only bites above it.
2 insurers sell Montana marketplace plans for 2027: Blue Cross and Blue Shield of Montana (all 56 counties) and Mountain Health CO-OP (all 56 counties).
Every Montana county has at least one PPO plan for 2027.
| Area | Bronze | Silver | Gold | Silver deductible |
|---|---|---|---|---|
| Billings (Yellowstone County) | $484 | $678 | $643 | $6,400 |
| Missoula (Missoula County) | $584 | $819 | $778 | $6,400 |
| Bozeman (Gallatin County) | $642 | $906 | $857 | $6,400 |
| Kalispell (Flathead County) | $584 | $819 | $778 | $6,400 |
| Great Falls (Cascade County) | $642 | $906 | $857 | $6,400 |
Lowest 2027 prices for a 40-year-old, a month, before any tax credit, from the CMS 2027 plan file.
| County | Rating area | Insurers | Lowest Silver, age 40 |
|---|---|---|---|
| Beaverhead | 4 | 2 | $860 |
| Big Horn | 4 | 2 | $860 |
| Blaine | 4 | 2 | $860 |
| Broadwater | 2 | 2 | $976 |
| Carbon | 1 | 2 | $678 |
| Carter | 4 | 2 | $860 |
| Cascade | 2 | 2 | $906 |
| Chouteau | 2 | 2 | $976 |
| Custer | 4 | 2 | $860 |
| Daniels | 4 | 2 | $860 |
| Dawson | 4 | 2 | $860 |
| Deer Lodge | 2 | 2 | $976 |
| Fallon | 4 | 2 | $860 |
| Fergus | 4 | 2 | $860 |
| Flathead | 3 | 2 | $819 |
| Gallatin | 2 | 2 | $906 |
| Garfield | 4 | 2 | $860 |
| Glacier | 4 | 2 | $860 |
| Golden Valley | 4 | 2 | $860 |
| Granite | 4 | 2 | $860 |
| Hill | 4 | 2 | $860 |
| Jefferson | 2 | 2 | $976 |
| Judith Basin | 2 | 2 | $976 |
| Lake | 3 | 2 | $819 |
| Lewis and Clark | 2 | 2 | $906 |
| Liberty | 4 | 2 | $860 |
| Lincoln | 4 | 2 | $860 |
| Madison | 4 | 2 | $860 |
| McCone | 4 | 2 | $860 |
| Meagher | 4 | 2 | $860 |
| Mineral | 4 | 2 | $860 |
| Missoula | 3 | 2 | $819 |
| Musselshell | 1 | 2 | $678 |
| Park | 4 | 2 | $860 |
| Petroleum | 4 | 2 | $860 |
| Phillips | 4 | 2 | $860 |
| Pondera | 4 | 2 | $860 |
| Powder River | 4 | 2 | $860 |
| Powell | 4 | 2 | $860 |
| Prairie | 4 | 2 | $860 |
| Ravalli | 4 | 2 | $860 |
| Richland | 4 | 2 | $860 |
| Roosevelt | 4 | 2 | $860 |
| Rosebud | 4 | 2 | $860 |
| Sanders | 4 | 2 | $860 |
| Sheridan | 4 | 2 | $860 |
| Silver Bow | 2 | 2 | $976 |
| Stillwater | 1 | 2 | $678 |
| Sweet Grass | 1 | 2 | $678 |
| Teton | 2 | 2 | $976 |
| Toole | 4 | 2 | $860 |
| Treasure | 4 | 2 | $860 |
| Valley | 4 | 2 | $860 |
| Wheatland | 4 | 2 | $860 |
| Wibaux | 4 | 2 | $860 |
| Yellowstone | 1 | 2 | $678 |
Premiums you pay for yourself come back off your income on Form 7206, up to the profit of the business. The self-employed health insurance deduction in Montana and the S-corp version walk through Montana’s tax treatment with a calculator; the self-employed ranking puts Montana against every other state at full price.
A plan from another state does not come along: a new Montana address opens a 60-day window. Moving to Montana has the dates, and the Montana county pages on Coverage by County have every plan filed.
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See my options →“I don’t know why I was paying so much for my BCBS plan. I wasn’t even using it, maybe because the brand has such a big network, but now I pay half as much and I don’t have a deductible.”
The insurance company pays the agent, never you, and the premium is the same either way.
One licensed agent, NPN #22052447, who sells marketplace and private plans, so you hear about both.
Your ZIP code is the only thing needed to see what is available where you live.
KFF's 2027 benchmark Silver premium for a 40-year-old is $889 a month before any tax credit, 45 of 51 from cheapest. Below the tax-credit line the credit caps the benchmark at a share of income.
2 insurers sell Montana marketplace plans for 2027: Blue Cross and Blue Shield of Montana (all 56 counties) and Mountain Health CO-OP (all 56 counties).
November 1, 2026 to January 15, 2027 on HealthCare.gov; pick a plan by December 15, 2026 for a January 1 start.
General information, not a quote or an offer of coverage. Private plans are medically underwritten: they ask health questions, can decline or exclude a condition, are not ACA coverage and get no tax credit. Daniel Griffin, licensed independent agent, NPN #22052447, is not tied to any single carrier and not affiliated with the U.S. government.
Montana uses HealthCare.gov. Open Enrollment runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for coverage that starts January 1. Outside those dates a qualifying event, such as a move into Montana, losing other coverage, marriage or a new child, opens a 60-day window.
Send your Montana ZIP code. A licensed agent compares every plan filed where you live and checks your doctors. It costs nothing, and you deal with a licensed agent, not a call center.
What You Pay Above the Subsidy Cliff, State by State · Health Insurance Comparison Chart by State · Health Insurance Rating Areas, State by State · Health Insurance Premiums by Age, State by State · Insurers Leaving the ACA Marketplace in 2027 · Cheapest States for Health Insurance 2026 — All 51 Jurisdictions · Cheapest States for Health Insurance (2026) · 7 States With No PPO Plans · Where One Insurer Controls the Market · The Age Curve, State by State · Where Your County Matters Most · Carrier Competition by State
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