Health Insurance Plans in Montana
Browse ACA Marketplace plans available to Montana residents on the federal exchange. 37 plans available for 2026. Starting from $426/month.
Lowest Monthly Premium
$426/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$510/mo
13 plans available
Avg Silver (Benchmark)
$714/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Helena, MT
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$510/mo avg
from $426 – $596
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$714/mo avg
from $657 – $798
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$741/mo avg
from $662 – $815
Lowest-Premium Plans Available
Sample plans near Helena — enter your ZIP for exact results
Blue Focus Bronze POS℠ 705
Blue Cross and Blue Shield of Montana
$426/mo
Ded: $10,600
Core Bronze HSA 10600
PacificSource Health Plans
$448/mo
Ded: $10,600
Blue Focus Bronze POS℠ Standard
Blue Cross and Blue Shield of Montana
$459/mo
Ded: $7,500
Core Bronze HSA 8300
PacificSource Health Plans
$475/mo
Ded: $8,300
Blue Focus Bronze POS℠ 205
Blue Cross and Blue Shield of Montana
$489/mo
Ded: $3,500
Core Standard Expanded Bronze HSA
PacificSource Health Plans
$506/mo
Ded: $7,500
Plus Bronze
Mountain Health CO-OP
$529/mo
Ded: $9,000
Plus Bronze Standard
Mountain Health CO-OP
$529/mo
Ded: $7,500
Blue Preferred Bronze PPO℠ 201
Blue Cross and Blue Shield of Montana
$532/mo
Ded: $6,000
Peak PPO Bronze Standard
Mountain Health CO-OP
$535/mo
Ded: $7,500
Prices shown are for a 30-year-old near Helena without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Montana?
Approximately 37 ACA Marketplace plans are available in Montana for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Montana?
For a 30-year-old without subsidies, the cheapest plan near Helena starts at about $426/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Montana use HealthCare.gov?
Yes — Montana is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Montana averages $714/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Montana
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.