Mountain Health CO-OP provides the cheapest overall health insurance in Montana, with an average monthly premium of $273. Availability can vary, so check out Blue Cross Blue Shield and PacificSource Health Plans for affordable health plans.
Most Affordable Health Insurance in Montana
Updated: June 9, 2025
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Key Takeaways
Mountain Health CO-OP provides the most affordable health insurance in Montana, saving policyholders an average of $354 per month compared to the state average.
Mountain Health CO-OP offers top-rated full coverage Gold plans, with affordable pricing starting at $518 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Montana
| Mountain Health CO-OP | $273 | $354 |
| PacificSource Health Plans | $522 | $105 |
| Blue Cross Blue Shield | $525 | $101 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Montana Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Montana, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: Mountain Health CO-OP ($456 monthly)
- Cheapest for Seniors: Mountain Health CO-OP ($968 monthly)
- Cheapest Catastrophic Plan: Mountain Health CO-OP ($269 monthly)
- Cheapest Expanded Bronze Plan: Blue Cross Blue Shield ($359 monthly)
- Cheapest Bronze Plan: Blue Cross Blue Shield ($342 monthly)
- Cheapest Silver Plan: Mountain Health CO-OP ($456 monthly)
- Cheapest Gold Plan: Mountain Health CO-OP ($518 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
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Plan Level:Silver
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Age:40
| Mountain Health CO-OP | ROCKY MOUNTAIN SILVER HDHP | $456 | $111 | $5,500 |
Cheapest Health Insurance Plans by County in Montana
While Mountain Health CO-OP is the cheapest provider overall, Blue Cross Blue Shield offers competitive affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Broadwater | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Carbon | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Cascade | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Chouteau | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Deer Lodge | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Flathead | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Gallatin | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Jefferson | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Judith Basin | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Lake | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Lewis and Clark | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Missoula | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Musselshell | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Silver Bow | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Stillwater | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Sweet Grass | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Teton | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
| Yellowstone | Blue Cross Blue Shield | $404 | Blue Focus Silver POS℠ 206 |
How to Find the Cheapest Health Insurance in Montana
Follow these steps to find affordable health insurance in Montana:
- 1
Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4
Review prescription formularies
Check insurers' prescription coverage for medications you regularly take. Choosing plans with lower-tier placements and reduced copays for your medications can optimize savings and ensure consistent and affordable access to necessary prescriptions, saving you hundreds of dollars each year.
- 5
Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15, with Special Enrollment available for life changes like job loss, divorce or childbirth. Evaluate plan types, customer ratings, costs and medical provider availability. Comparing these factors helps you choose the most suitable and affordable plan for your needs.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Montana: Bottom Line
Mountain Health CO-OP, Blue Cross Blue Shield and PacificSource Health Plans are Montana's cheapest health insurance providers. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Montana Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Montana:
What is the cheapest health insurance in Montana?
Mountain Health CO-OP offers the cheapest health insurance in Montana, with Silver plans starting at $273 per month for 40-year-olds. Consider Blue Cross Blue Shield, PacificSource Health Plans, and others for other affordable options.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Montana
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Montana based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.