Best Health Insurance in Montana


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Key Takeaways

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Overall, Mountain Health CO-OP offers the best and most balanced coverage in Montana for health insurance.

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Mountain Health CO-OP provides the best cheap health insurance in Montana, with Silver-tier plans averaging $273 monthly.

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To find the best health insurance in Montana, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.

Best Health Insurance Companies in Montana

With a 97 out of 100 score, Mountain Health CO-OP offers the best health insurance in Montana, balancing affordability, customer service and coverage. If this provider isn't available in your area, Blue Cross Blue Shield and PacificSource Health Plans also provide excellent coverage options.

Mountain Health CO-OP97ROCKY MOUNTAIN SILVER HDHP
PacificSource Health Plans85Navigator Silver HSA 3500
Blue Cross Blue Shield52Blue Focus Silver POS℠ 903

*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.

Best Health Insurance in Montana by Category

While we've given our top picks, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.

Children/FamiliesMountain Health CO-OP
Young AdultsMountain Health CO-OP
SeniorsMountain Health CO-OP
PPOMountain Health CO-OP
POSBlue Cross Blue Shield

Best Montana Health Insurance Reviews

So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.

Mountain Health CO-OP

Mountain Health CO-OP: Best Overall

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pros

  • Excellent customer satisfaction and competitive pricing

  • Cheapest rates for Silver plans

  • Best overall for most in Montana

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cons

  • Limited geographic coverage and market presence

COMPANY HIGHLIGHTS

Mountain Health CO-OP was our pick for the best health insurance in Montana due to its member-focused cooperative model and commitment to serving Montana's unique health care needs. As a consumer-operated plan, it operates as a non-profit organization that benefits members, offering competitive rates and comprehensive coverage throughout Montana's rural and urban areas. It's also the cheapest provider in the state, with rates at $273 for Silver plans.

Blue Cross Blue Shield

Blue Cross Blue Shield: Best Customer Reputation

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pros

  • Second-most-affordable rates in the state

  • Highest customer reputation score in Montana

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cons

  • Largest number of in-network counties

  • No out-of-network coverage, unless there's a medical emergency

COMPANY HIGHLIGHTS

Blue Cross Blue Shield of Montana stands out for customer reputation as a trusted local insurer with deep Montana roots and strong member satisfaction. BCBS has built a solid reputation for reliable service, responsive claims processing and local market expertise that Montanans trust for their health care coverage needs.

How to Find the Best Health Insurance for You in Montana

The following recommendations will ensure that buying health insurance that is ideal for you is easy.

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    Decide on your coverage needs before buying

    When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket plan limits. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.

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    Compare company offerings and reputations

    Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.

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    Shop around

    Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates start at $273 monthly in Montana, depending on your profile and chosen plan. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.

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    Take advantage of federal programs and subsidies

    Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Montana Medicare Supplement and best Medicare Advantage plans in Montana if you want to learn more.

Best Health Insurance in Montana: Bottom Line

Overall, our top three picks for Montana health insurance are Mountain Health CO-OP, PacificSource Health Plans and Blue Cross Blue Shield. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.

Best Montana Health Insurance: FAQ

Below, we've answered frequently asked questions about the best health insurance in Montana:

What is the best health insurance provider in Montana for 2025?

What should you look for when shopping for the best health insurance plan in Montana?

How We Chose the Best Health Insurance in Montana

To rank health care insurance providers in Montana, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.

We weighted most categories as follows:

  • Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
  • Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
  • Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
  • Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.

In some cases, we adjusted the weightings as follows:

  • For the categories "Best Cheap Health Insurance in Montana" and "Best Health Insurance in Montana for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
  • For the category "Best Health Insurance by Plan Type in Montana," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.

Sample Consumer:

MoneyGeek collected data on all available plans in Montana for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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