Bronze health insurance plans in Montana (2026)
There are 29 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.
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.
Every Montana Bronze plan is HSA-eligible.
All 29 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, a median of $7,500 in this tier.
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.
What a Bronze plan costs in Montana in 2026
Across all 29 Bronze plans in Montana, monthly premiums run from $277 to $527, averaging $411. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Montana enrollees, often to a fraction of the sticker price.
Bronze plan deductibles in Montana
Bronze deductibles in Montana run from $3,500 to $10,600, with a median of $7,500 across all 29 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $6,990 because the spread is not symmetric. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.
Bronze out-of-pocket maximums in Montana
Individual out-of-pocket maximums on Montana Bronze plans run from $8,300 to $10,600, with a median of $10,000. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.
The cheapest Bronze plans in Montana
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-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 Bronze StandardMountain Health CO-OP | $348 | $7,500 | $10,000 |
| Core Bronze HSA 10600PacificSource Health Plans | $368 | $10,600 | $10,600 |
Showing 5 of 29. See all Montana Bronze plans →
Bronze plans by insurer
| Insurer | Bronze plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Blue Cross and Blue Shield of Montana | 21 | $277 | $417 | $3,500–$10,600 |
| Mountain Health CO-OP | 5 | $348 | $399 | $7,500–$9,000 |
| PacificSource Health Plans | 3 | $368 | $391 | $7,500–$10,600 |
How Bronze compares to the rest
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Montana Bronze plans, answered
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Who is eligible for a Bronze plan in Montana?
What is the deductible on Montana Bronze plans?
Are Bronze plans available in my Montana county?
When can I enroll in a Marketplace plan in Montana?
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