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Montana · 2026 plan year

Silver health insurance plans in Montana (2026)

There are 28 Silver plans on the Montana Marketplace from 3 insurers, and they are not interchangeable — premiums run from $431 to $706 a month for the same metal tier. Here is what separates them.

28
Silver plans
3
Insurers
56
Counties covered
$431
Cheapest premium
$6,000
Median 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.

One carrier files 75% of Montana's Silver plans.

Blue Cross and Blue Shield of Montana accounts for 21 of the 28 Silver 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.

Montana Silver premiums rank 25th cheapest of 35.

Averaged across all 28 plans, Silver coverage in Montana costs $580 a month before subsidies — 25th lowest of the 35 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.

Cost

What a Silver plan costs in Montana in 2026

Across all 28 Silver plans in Montana, monthly premiums run from $431 to $706, averaging $580. 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.

Deductibles

Silver plan deductibles in Montana

Silver deductibles in Montana run from $2,000 to $8,000, with a median of $6,000 across the 21 plans with one combined deductible — 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 $4,810 because the spread is not symmetric. The other 7 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. 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.

Out-of-pocket maximum

Silver out-of-pocket maximums in Montana

Individual out-of-pocket maximums on Montana Silver plans run from $7,250 to $10,600, with a median of $8,900. 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.

Lowest premiums

The cheapest Silver plans in Montana

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Blue Focus Silver POS℠ StandardBlue Cross and Blue Shield of Montana$431$6,000$8,900
Blue Focus Silver POS℠ 206Blue Cross and Blue Shield of Montana$439$3,500$8,900
Blue Focus Silver POS℠ 903Blue Cross and Blue Shield of Montana$449$7,250 medical + $0 Rx (separate)$7,250
Rocky Mountain Silver StandardMountain Health CO-OP$473$6,000$8,900
Core Silver 5000PacificSource Health Plans$545$5,000$8,600

Showing 5 of 28. See all Montana Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Blue Cross and Blue Shield of Montana21$431$591$2,000–$6,000
Mountain Health CO-OP4$473$537$6,000–$8,000
PacificSource Health Plans3$545$560$3,500–$6,000
Other tiers in Montana

How Silver compares to the rest

Bronze
Avg $411 · from $277
29 plans
Silver
Avg $580 · from $431
28 plans · you are here
Gold
Avg $586 · from $443
28 plans

All MontanaMarketplace plans →

Nearby on price

States with similar Silver premiums

Oklahoma
Avg $580
64 Silver plans
Tennessee
Avg $583
62 Silver plans
Delaware
Avg $594
10 Silver plans
Common questions

Montana Silver plans, answered

What are the copays on Montana Silver plans?
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. What the tier does bound is the rest of the cost-sharing: across the 28 Silver plans in Montana, out-of-pocket maximums run $7,250 to $10,600, and deductibles on the 21 plans with one combined deductible run $2,000 to $8,000. The other 7 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Montana?
Anyone eligible to buy Marketplace coverage in Montana can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($580 a month on average) is higher than Gold in some states.
What is the deductible on Montana Silver plans?
Silver deductibles in Montana run from $2,000 to $8,000 across the 21 plans with one combined deductible, with a median of $6,000 — that median is the figure closest to a typical plan. The other 7 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,250 to $10,600. The spread inside a single 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 Silver plans available in my Montana county?
Silver 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 Marketplace plan in Montana?
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 Silver premiums in Montana start at $431 a month before any subsidy.

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