Updated: December 19, 2025
Advertising & Editorial Disclosure
Mountain Health CO-OP offers the lowest health insurance rates in Montana at $639 monthly, making it the top choice for budget-conscious residents seeking comprehensive coverage.
Mountain Health CO-OP provides the most affordable options for young adults, adults, seniors and PPO plans in Montana, while PacificSource leads with the cheapest EPO coverage at $754 monthly.
Compare quotes from multiple insurers, determine your ideal coverage level within budget and check if you qualify for subsidies.
The cheapest health insurance policies in Montana come from Mountain Health CO-OP, with an average monthly premium of $639. Mountain Health CO-OP ranks as the most affordable statewide, with availability varying by county.
Consider Blue Cross Blue Shield and PacificSource for competitive health plan rates in the state.
| Mountain Health Co-op | $639 | $35 | $7,668 | $420 |
| Blue Cross Blue Shield | $693 | $19 | $8,316 | $228 |
| PacificSource | $700 | $26 | $8,400 | $312 |
*Average monthly rates represent the rounded mean of each provider's monthly plan rates in Montana. Average monthly savings show how much cheaper each provider is compared to the statewide average monthly rate. Your actual rates will vary based on age, location and chosen plan.
Avg. Monthly Rate
Avg. MOOP
Avg. Deductible
Your ideal plan varies based on age, plan type preference and metal level. You should also weigh premiums against deductibles and maximum out-of-pocket (MOOP) costs. We've organized the most affordable options by category below for most in the state.
| Children | Mountain Health Co-op | $396 | $4,753 | $6,886 | $4,683 |
| Teens | Mountain Health Co-op | $473 | $5,672 | $6,886 | $4,683 |
| Young Adults | Mountain Health Co-op | $530 | $6,362 | $6,886 | $4,683 |
| With Health Savings Account Elligibility | Mountain Health Co-op | $593 | $7,114 | $5,800 | $5,800 |
| Adults | Mountain Health Co-op | $662 | $7,940 | $6,886 | $4,683 |
| PPO | Mountain Health Co-op | $662 | $7,940 | $6,886 | $4,683 |
| POS | Blue Cross Blue Shield | $663 | $7,955 | $5,160 | $2,568 |
| EPO | PacificSource | $754 | $9,043 | $5,729 | $2,668 |
| Seniors | Mountain Health Co-op | $1,405 | $16,861 | $6,886 | $4,683 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Your metal tier choice affects the balance between monthly premiums and out-of-pocket costs. Bronze plans feature the cheapest monthly payments but require more cost-sharing when you need care. Platinum plans cost more each month but minimize expenses when you visit the doctor.
Choose based on your health care needs. Bronze saves money if you're healthy, but Gold or Platinum work better if you see doctors frequently.
Blue Cross Blue Shield offers the cheapest Bronze plans in Montana at $419 monthly, while Mountain Health Co-op provides the lowest rates for both Silver plans at $593 and Gold plans at $669.
| Catastrophic | Mountain Health Co-op | $325 | $3,900 | $10,600 | $10,600 |
| Bronze | Blue Cross Blue Shield | $419 | $5,030 | $7,950 | $7,950 |
| Expanded Bronze | Blue Cross Blue Shield | $468 | $5,616 | $7,481 | $4,125 |
| Silver | Mountain Health Co-op | $593 | $7,114 | $5,800 | $5,800 |
| Gold | Mountain Health Co-op | $669 | $8,032 | $4,000 | $4,000 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Find the cheapest health insurance options in Montana suited to your situation:
| PacificSource | Core Silver 5000 | $733 | EPO | Silver | $5,250 | $2,761 | 40 | No |
| PacificSource | Core Standard Silver | $742 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| PacificSource | Core Silver 3500 | $786 | EPO | Silver | $6,279 | $2,143 | 40 | No |
Use these steps to discover affordable coverage that covers your health care needs.
Your ideal type of plan and metal tier matches your health needs and financial situation. Start by setting aside money for monthly premiums, then evaluate your current health status and assess injury or illness risks based on your age, lifestyle and where you live in Montana.
Your family size and household income determine whether you qualify for 2026 health insurance subsidies. These financial credits are available for incomes ranging from 100% to 400% of the Federal Poverty Level.
Montana residents who are eligible should research Medicare/Medicaid programs, Medicare Advantage plans and Medicare Supplement plans. These federal programs often cost less than marketplace plans while offering greater flexibility in coverage decisions.
Check each plan's formulary for medications you take regularly. Insurance companies often place popular drugs on different coverage tiers, creating cost differences between plans.
Montana's Open Enrollment period runs November 1 through January 15 each year. You might qualify for Special Enrollment after major life changes like job loss, divorce or having a baby.
Montana offers several health insurance carriers with different strengths and coverage areas. Compare each company's financial stability ratings, customer service scores and provider networks.
Montana's most affordable health insurance comes from Mountain Health CO-OP, Blue Cross Blue Shield and PacificSource. These are our recommendations, though you should get quotes from multiple companies across different plan types and tiers to secure the best rate.
Below are answers to typical questions about affordable health insurance in Montana:
Mountain Health CO-OP offers the most affordable health insurance in Montana, with Silver plans averaging $639 monthly for 40-year-olds.
Cheap health insurance plans create financial burdens. You'll face high deductibles of $5,000 to $8,000 before coverage begins, plus coinsurance rates of 30% to 50% on medical services. These budget plans also restrict you to narrow provider networks and set out-of-pocket maximums near federal limits of $9,450 annually.
Montana residents qualify for federal premium tax credits if household income falls between 100-400% of the Federal Poverty Level, with enhanced subsidies for those under 150% FPL. You can determine eligibility using the income estimator tool on Montana's health insurance marketplace during open enrollment or check healthcare.gov directly.
Montana's Open Enrollment runs from November 1 to January 15 for the following year. You can also enroll year-round through Special Enrollment if you experience a qualifying life event like job loss, marriage or having a baby.
We gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. The cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is most common demographically and provides clear comparison.
Age-specific rankings use their respective premium costs. Note that cheaper monthly premiums typically mean higher deductibles and out-of-pocket maximums when you need care.
About Mark Fitzpatrick
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
