SimpliveraCoverage Companion
Montana · 2026 plan year

Bronze health insurance plans in Montana

There are 35 Bronze plans on the Montana Marketplace from 3 insurers, and they are not interchangeable — premiums run from $277 to $527 a month for the same metal tier. Here is what separates them.

35
Bronze plans
3
Insurers
56
Counties covered
$277
Cheapest premium
$7,283
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Not every Montana Bronze plan is HSA-eligible.

32 of 35 Bronze plans here qualify for a health savings account. That is unusual — in most states every Bronze plan qualifies — so if you are choosing Bronze specifically to pair it with an HSA, confirm it plan by plan rather than assuming.

Montana Bronze premiums rank 17th cheapest of 30.

Averaged across all 35 plans, Bronze coverage in Montana costs $407 a month before subsidies — 17th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Bronze plans in Montana

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Blue Focus Bronze POS℠ 705Blue Cross and Blue Shield of Montana$277$10,600$10,600
Blue Focus Bronze POS℠ StandardBlue Cross and Blue Shield of Montana$300$7,500$10,000
Blue Focus Bronze POS℠ 205Blue Cross and Blue Shield of Montana$320$3,500$9,950
ROCKY MOUNTAIN BRONZEMountain Health CO-OP$336$9,000$10,500
ROCKY MOUNTAIN BRONZE HDHPMountain Health CO-OP$337$8,400$8,400

Showing 5 of 35. See all Montana Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier average
Blue Cross and Blue Shield of Montana21$277$417
Mountain Health CO-OP11$336$392
PacificSource Health Plans3$368$391
Other tiers in Montana

How Bronze compares to the rest

Bronze
Avg $407 · from $277
35 plans · you are here
Silver
Avg $556 · from $382
34 plans
Gold
Avg $571 · from $432
34 plans

All MontanaMarketplace plans →

Nearby on price

States with similar Bronze premiums

South Dakota
Avg $406
21 Bronze plans
Texas
Avg $410
225 Bronze plans
North Carolina
Avg $414
83 Bronze plans
Common questions

Montana Bronze plans, answered

What are the copays on a Montana Bronze plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 35 Bronze plans in Montana, deductibles average $7,283 and the out-of-pocket maximum averages $9,754. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Montana?
Any Montana Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on a Montana Bronze plan?
The average across all 35 Bronze plans in Montana is $7,283, with an average out-of-pocket maximum of $9,754. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Montana county?
Bronze plans are sold in 56 Montana counties, from 3 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Montana Marketplace plan?
Montana uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Montana start at $277 a month before any subsidy.

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