Coverage Atlas

ACA Health Insurance Plans in Montana (2026)

470 ACA medical marketplace plans from 3 insurers are listed in Montana for the 2026 plan year, alongside 47 standalone dental plans — per the CMS ACA Plan Attributes Public Use File.

Last updated: June 24, 2026 · Source: CMS ACA Plan Attributes PUF (2026 plan year)

470
Medical plans
3
Medical issuers
5
Metal tiers offered
47
Standalone dental plans
This page is a reference catalog of which plans exist, with sticker (pre-subsidy) premiums where available. It informs and compares; it does not recommend a "best plan" and gives no advice. Plan attributes come from the CMS ACA Plan Attributes PUF; premiums (shown below for federal-marketplace states) come from the separate CMS Rate PUF — sticker prices only, never your net cost after subsidies. For eligibility, subsidies, and to enroll, go to HealthCare.gov or your state marketplace.

How many ACA plans are available in Montana?

The CMS ACA Plan Attributes Public Use File lists 470 medical plan variants from 3 issuers in Montana for 2026, plus 47 standalone dental plans from 5 issuers. Counts are plan variants (each cost-sharing variation is a row in the source file).

Segment Plans Issuers
Medical (qualified health plans) 470 3
Standalone dental (SADP) 47 5

Source: CMS ACA Plan Attributes PUF (2026 plan year).

What metal tiers are offered in Montana?

Montana medical plans span Silver, Gold, Expanded Bronze, Bronze, Catastrophic. The most common tier is Silver (208 plans).

Metal tier Plans Share of medical
Silver 208 44%
Gold 124 26%
Expanded Bronze 112 24%
Bronze 16 3%
Catastrophic 10 2%

Source: CMS ACA Plan Attributes PUF (2026 plan year).

HMO, PPO, EPO or POS — what plan types are available in Montana?

PPO is the most common plan type in Montana (294 plans).

Plan type Plans Share of medical
PPO 294 63%
POS 135 29%
EPO 41 9%

Source: CMS ACA Plan Attributes PUF (2026 plan year).

Plan features in Montana

Source: CMS ACA Plan Attributes PUF (2026 plan year).

Which insurers offer ACA plans in Montana?

6 distinct issuer IDs appear in Montana across medical and standalone dental plans (3 offer medical, 5 offer standalone dental; some offer both):

6 issuer names are listed below. Some CMS rows carry issuer IDs without a display name in this projection, so the named list can be smaller than the distinct issuer-ID count.

Source: CMS ACA Plan Attributes PUF (2026 plan year).

Sources & provenance

Every figure on this page comes from the CMS ACA Plan Attributes PUF (2026 plan year) (source id src:cms:aca-plan-attributes-puf:2026), published by the Centers for Medicare & Medicaid Services: https://www.cms.gov/marketplace/resources/data/public-use-files.

Medical plans are metal tiers Silver, Gold, Bronze, Expanded Bronze, Platinum and Catastrophic; standalone dental plans (SADPs) use the Low/High tiers and are counted separately. Premiums are not in this file and are not shown here.

Data exported June 24, 2026 · content hash · machine-readable brief: /coverage/states/mt.context.md

Recorded · CMS Rate PUF

What ACA plans cost in Montana

Read these as sticker prices, not your price.

These are the full premiums before income-based tax credits. Most marketplace enrollees pay far less — a premium tax credit is tied to your income and can bring a plan's cost down sharply, sometimes to near $0 for lower incomes. These figures show how plans compare and what coverage costs unsubsidized — not what you'll pay. For your actual price, enter your income at healthcare.gov.

A typical Silver plan runs $654/month for a 40-year-old, ranging $488–$903 across Montana's 4 rating areas. Silver is the benchmark tier that income-based credits are sized against.

Metal tier Typical (median) Range across rating areas Plans
Catastrophic $427 $312–$602 8
Bronze $541 $354–$673 122
Silver $654 $488–$903 118
Gold $727 $552–$918 118

Benchmark: a 40-year-old, individual, non-tobacco. Premiums also rise with age and vary by rating area — a 60-year-old pays roughly 3× a 21-year-old for the same plan. "Typical" is the median monthly premium across the state's 4 rating areas and 108 plans; a tier only appears if it is offered in the state. Catastrophic plans are generally available only to enrollees under 30 or with a hardship exemption — the figure is the on-file rate, not an option most 40-year-olds can buy.

RECORDED — the premiums are the CMS Marketplace Rate Public Use File's published figures for the current plan year. INTERPRETATION — "sticker, not your price" and the subsidy note are framing, because net cost depends on your income and current tax-credit rules. Coverage scope is the MT federally-facilitated marketplace; this atlas informs and compares — it is not advice on which plan to buy. Verify and enroll at healthcare.gov.

Montana across the Atlas Commons

The same state in the other source-backed Atlas Commons domains.