Montana · 2026 plan year

Medicare Advantage plans in Montana

Montana has 29 Medicare Advantage plans from 5 carriers, averaging 3.64 out of 5 stars across the 29 plans CMS has rated. The first real decision is HMO or PPO — how far you can go outside the plan’s network, and what that freedom costs.

29
Medicare Advantage plans
5
Carriers
56
Counties covered
3.6
Average stars
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. CMS publishes star ratings per contract, so plans a carrier files under one contract all share a rating.

Montana PPO plans rank 40th of 51 on star rating.

Across the 22 rated plans here the average overall rating is 3.68 stars, 40th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

By plan type

HMO and PPO in Montana, compared

Plan typePlansCarriersAvg starsAvg out-of-pocket max
HMO733.50$7,775
PPO2233.68Not published
Also available

Other Medicare coverage

Every figure on this page covers HMO and PPO plans. A small number of PFFS and Cost plans are sold in some states and are not included above — there are too few nationally (71 across 17 states) to compare meaningfully. Standalone Part D drug plans and PACE programmes are different products entirely and are not Medicare Advantage; you can find any available on the full Montana plan list.

Other states

Compare another state

All 51states → · Medicare Advantage vs Original Medicare

Stars are one signal.
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