Health Insurance in Montana

Health insurance in Montana is available through HealthCare.gov, the federal marketplace, along with health sharing, short-term plans, Medicare, and supplemental coverage. About 8.0% of Montana's roughly 1.1 million residents are uninsured. Montana expanded Medicaid, so low-income adults may qualify for free or low-cost coverage. Prices and plan choice vary across the state's 56 counties, so where you live matters. Use the guides below to find the right lane for your situation.

Marketplace: HealthCare.gov·Medicaid expansion: Adopted·Uninsured rate: ~8.0%·Counties: 56·Population: ~1.1M

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Frequently asked questions

Where do I buy health insurance in Montana?
Montana residents enroll through HealthCare.gov (HealthCare.gov). You can also buy off-Marketplace plans, health sharing, or supplemental coverage directly.
Is Medicaid available in Montana?
Yes. Because Montana expanded Medicaid, adults under a certain income may qualify regardless of family status. Eligibility is based on income and household size.
How much does health insurance cost in Montana?
It depends on your age, county, plan tier, and — most importantly — whether you qualify for a subsidy. Many Montana enrollees pay well under $100/month after ACA premium tax credits. Use our calculators to estimate your cost.

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