Best Medicare Advantage Plans in Montana (2027)

Humana provides the best Medicare Advantage plans in Montana and is the only carrier we rated. Its median max annual cost exposure, the most you’d pay in a year through premiums and the plan’s out-of-pocket limit, is $6,731 across 12 plans in 38 counties.

Range Health also sells three plans in nine counties. We didn’t rate it because its plans have no CMS star rating or CAHPS member satisfaction score.

Humana’s four-star median rating and 38-county reach make its plans the place to start. If you live in one of Range Health’s nine counties, compare its plans with Humana’s at your ZIP code before enrolling.

*Range Health also sells Medicare Advantage plans in nine Montana counties. We didn’t rate it because its plans have no CMS star rating or CAHPS score.

Montana has 15 Medicare Advantage plans from two carriers in 2027. These private plans replace Original Medicare, the federal Part A and Part B program, and many bundle drug coverage. We didn’t rate Range Health because its plans have no CMS star rating or CAHPS score.

Every county Range Health serves also has Humana plans. Humana is the only carrier in 29 counties, and the other 18 have no standard Medicare Advantage plan, though Special Needs Plans for people with Medicaid or certain chronic conditions may be available.

Where no plan fits, pairing Original Medicare with a Medicare Supplement policy can cover some or all of your deductibles and coinsurance with any provider who accepts Medicare.

Start by narrowing your list to plans that cover your doctors and prescriptions. Then compare total annual costs to pick the best fit.

Most Montana Medicare Advantage plans cost $0 a month in premiums, so the bigger cost difference comes from the out-of-pocket limit. HMO plans have a median limit of $6,025, compared with $6,750 for PPOs.

The HMO’s lower limit comes with a slightly higher median hospital copay. Montana has only two HMO plans, both from Humana, which together reach 25 counties.

If you expect a hospital stay, compare each plan’s daily inpatient copay and how many days it applies. If you see doctors in more than one county, a PPO’s out-of-network coverage may matter more than the HMO’s lower limit.

*Median cost figures across all 15 non-SNP Montana Medicare Advantage plans, grouped by plan type. All dollar figures are rounded to the nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

These state and federal resources help Montana residents compare plans before enrolling and find free counseling or help paying Medicare costs.

• Montana SHIP (State Health Insurance Assistance Program): Trained volunteers provide free Medicare counseling statewide and can compare plans with you before you enroll.
• Medicare Plan Finder: Compare Montana Medicare Advantage plans by ZIP code, including premiums, out-of-pocket limits, star ratings and drug coverage.
• Montana Commissioner of Securities and Insurance: Verifies carrier licensing in Montana and accepts consumer complaints about plans or carriers.
• Medicare Savings Programs: Helps eligible residents pay Medicare Part B premiums and reduce other cost-sharing expenses. Check eligibility before enrolling in a plan.
• Social Security Administration: Handles Medicare enrollment for most Montana residents. Apply, check enrollment status or set up automatic premium payments here.

MoneyGeek scored Montana Medicare Advantage companies for the 2027 plan year with data from five CMS sources, including the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.

Montana has one of the smaller Medicare Advantage markets in the country, with 15 plans from 2 carriers spanning 5 CMS contracts. We excluded Special Needs Plans. To qualify for a score, a carrier needed coverage in at least three Montana counties and complete data across all three scoring categories.

Range Health serves nine Montana counties, but its plans have no CMS Star Rating or CAHPS score. It isn’t scored, so Humana is the only rated carrier.

How We Score Carriers

Carriers that meet the eligibility threshold receive an overall score out of five, based on a weighted average of three categories:

• Affordability (40%): Maximum annual cost exposure, which combines annual premiums with the maximum out-of-pocket limit, plus inpatient hospital, specialist and primary care costs.
• Quality and Member Experience (40%): CMS Star Ratings represent 60% of this score and CAHPS Rating of Health Plan scores represent 40%. We measure both at the contract level.
• Benefits and Access (20%): Supplemental benefits, covering dental, OTC, vision and hearing, represent 50% of this category. County coverage represents 30% and the number of plan options per county represents 20%.