# Atlas Commons research objects — ACA marketplace coverage for Montana (2026) — context brief

Montana's ACA marketplace coverage from the CMS ACA Plan Attributes PUF, with each figure's epistemic status labeled: every plan count — medical plans, standalone dental plans, and breakdowns by metal level, plan type, HSA-eligibility, and referral requirement — is a measured census of plans offered (counts of rows in the CMS file, all labeled RECORDED); the sticker premium landscape by metal tier (40yo, pre-subsidy) is a recorded set of published CMS Rate PUF rates, with the subsidy note labeled CONTEXT; the boundary note is context (labeled CONTEXT) — these count plans offered and their sticker price, not enrollment, the insured rate, or net cost after subsidies. Sources: CMS ACA Plan Attributes PUF, CMS Marketplace Rate PUF. CC0.

Claims (warrant · source), each re-fetchable to verify:

- **470 ACA medical marketplace plans are offered in Montana for plan year 2026** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **Medical plan counts by CMS metal level in Montana (2026): Silver 208, Gold 124, Expanded Bronze 112, Bronze 16** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **Medical plan counts by CMS plan type in Montana (2026): PPO 294, POS 135, EPO 41** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **144 of 470 medical plans in Montana are HSA-eligible (2026)** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **470 of 470 medical plans in Montana require no specialist referral (2026)** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **47 standalone dental plans are offered in Montana for plan year 2026** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **STICKER ACA premiums in Montana for a 40-year-old (before tax credits): Silver median $654/mo** — DERIVED · CMS Marketplace Rate Public Use File (atlas-aggregated per tier) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **What the Montana premiums mean — sticker, not your price** — INTERPRETATION · Coverage Atlas framing (over the CMS Rate PUF figures above) (https://coverage-atlas.ryanjhunter.workers.dev/)
- **What these coverage figures are — and are NOT — for Montana (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the CMS facts above) (https://coverage-atlas.ryanjhunter.workers.dev/)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mt.jsonld` · anatomy of the research object: see /commons/the-research-object

**Montana — every coverage indicator (typed)** (11): Medical plans offered — 470 — RECORDED — CMS ACA Plan Attributes PUF (2026); Medical issuers — 3 — RECORDED — CMS ACA Plan Attributes PUF (2026); HSA-eligible medical plans — 144 — RECORDED — CMS ACA Plan Attributes PUF (2026)…
**Montana — medical plans by CMS metal level (RECORDED)** (5): Silver — 208; Gold — 124; Expanded Bronze — 112…
**Montana — medical plans by CMS plan type (RECORDED)** (3): PPO — 294; POS — 135; EPO — 41…
**Montana — medical plans by market coverage (RECORDED)** (2): Individual — 469; SHOP (Small Group) — 48…
**Montana — sticker ACA premiums by metal tier (40yo, pre-subsidy, DERIVED)** (4): Catastrophic — 8 — 427 — 316 — 567 — 312 — 602; Bronze — 122 — 541 — 525 — 568 — 354 — 673; Silver — 118 — 654 — 617 — 729 — 488 — 903…
**Montana — issuers present on the marketplace (RECORDED)** (6): BEST Life; Blue Cross and Blue Shield of Montana; Delta Dental…