Health insurance plans in Montana
Montana uses the federal Marketplace, with 85 plans across the Bronze, Silver and Gold tiers from up to 3 insurers. Which tier suits you depends far more on how much care you expect to use than on the premium alone.
One carrier files 72% of Montana's Bronze plans.
Blue Cross and Blue Shield of Montana accounts for 21 of the 29 Bronze plans in Montana. A long plan list can look like a wide choice while most of it resolves to one network and one formulary — worth knowing before you treat plan count as a measure of competition.
The three tiers in Montana, compared
Catastrophic and other coverage
Some states also offer Catastrophic plans, which carry very low premiums and very high deductibles and are limited to people under 30 or those with a hardship exemption. They are a small share of the market and are not broken out into their own page here — you can find any available in Montana on the full Montana plan list. Platinum plans are rare on the federal Marketplace and are absent from most states.
Compare another state
Premiums are only half the bill.
See your whole year.
Simplivera models what each Montana plan would actually cost you over twelve months.
Estimate my costs — it’s free →