Paige Cerulli Last Updated On: September 21, 2023

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Find Affordable Health Insurance in Montana

When you have a quality health insurance plan, you can focus on getting the healthcare that you need, rather than worrying about finances. But between tiers, premiums, deductibles, and all of that other insurance talk, things can get confusing.

We’ve outlined the details about health insurance in Montana that will help you find a plan that’s the right fit for your needs and your budget.

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Table of Contents

The Average Cost of Health Insurance in Montana

When you buy health insurance in Montana, you’ll be able to choose from Bronze, Silver, Gold, and Platinum tier plans. The plan cost partially depends on the tier level. Bronze plans offer some of the most affordable premiums, but these plans also have more expensive deductibles than other tiers. Gold plans have more expensive premiums, but they also have lower deductibles.

 Average Premium for Health Insurance in Montana
Most Affordable Bronze Plan$343
Most Affordable Silver Plan$471
Most Affordable Gold Plan$521


As you shop for health insurance in Montana, look into whether you’re eligible for an employer-sponsored plan. The average cost of an employer-sponsored plan in Montana is $1,219 per year, so you could potentially save some money with this type of plan.

Many factors impact your health insurance rates, including your health status, age, location, and the number of dependents you have. Since rates can vary so much, a personalized health insurance quote will give you the most accurate idea of what your insurance might cost. You can get a free health insurance quote from ConsumerCoverage and start exploring available health insurance policies.

Types of Montana Health Insurance Plans

Different types of health insurance plans also vary in cost. We’ve highlighted some of the most common types of health insurance in Montana that you might see as you shop:

  • Health Maintenance Organization (HMO) plans cover healthcare only from in-network providers, and they require you to have a primary care physician. HMO plans usually have more affordable premiums and deductibles.
  • Preferred Provider Organization (PPO) plans let you receive out-of-network care, so they’re more flexible than HMO plans. You also don’t need to have a primary care physician, but these plans have more expensive premiums and deductibles than HMO plans.
  • Exclusive Provider Organization (EPO) plans cover in-network care but don’t require you to have a primary care physician. These plans tend to have more affordable premiums and deductibles.

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Cheap Health Insurance Plans in Montana

Low-income Montana residents may be eligible for several different health insurance programs:

Montana Medicaid

Montana’s Medicaid program helps to cover healthcare costs like dental care, prescription medications, and vision care. Services are free or low-cost, depending on your income. Several groups of people may be eligible for Medicaid, including those who are pregnant, affected by a disability, seniors, blind, and families who have dependent children.

Healthy Montana Kids

The Healthy Montana Kids program is designed for children under age 19. Eligible children can’t be eligible for Medicaid, and they must be uninsured and meet household income limits. This coverage helps to pay for expenses like physician appointments and dental care.

Montana Medicare

Montana residents age 65 and older, and those under age 65 who live with disabilities, may qualify for Medicare. Multiple Medicare plans are available, and they cover costs like prescription medications, hospital visits, and vision care.

How to Get Health Insurance in Montana

Shopping around and comparing quotes can help you to save money on health insurance in Montana. In addition to comparing the plan costs, don’t forget to compare factors like coverages, exclusions, and deductibles. To get started, get a free, personalized quote from ConsumerCoverage today.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

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