Health Insurance Billings: Magic City Plans for Energy, Ranch and Medical Families

Health insurance Billings families buy has to work across a huge region. After all, the Magic City serves much of eastern Montana and northern Wyoming. Vivna is an independent, licensed agency that compares 50+ carriers for you. Our help is free, and you pay the carrier's own premium.

Billings is Montana's largest city and the seat of Yellowstone County. Refineries, ranches and two Level I trauma centers drive its economy. Even so, about one in ten residents under 65 has no health plan. Reach a licensed agent at 888-730-6001 to change that for your family.

Billings in briefFigure
CountyYellowstone (county seat)
Residents, latest estimateAbout 121,200
Median household incomeAbout $73,700
Uninsured under age 65About 10 percent
Residents 65 and olderAbout 19 percent
Veterans in the cityAbout 8,500

Want health insurance Billings prices that include every credit? Request a free Billings quote or reach us at 888-730-6001.

Why Billings Residents Choose Vivna

Montana's marketplace shrinks this fall, which makes health insurance Billings shopping harder. One carrier is leaving the state, so its members must pick a new plan. Meanwhile, approved full-price rates rose about 23 percent on average.

That combination calls for careful comparison. We start with your doctors and your income, then test every plan against both. A licensed agent at 888-730-6001 explains the trade-offs in plain language.

Two Trauma Centers, Two Networks

Billings Clinic and St. Vincent each run a Level I trauma center. Because plans may favor one system, we check your doctors first.

Help for Exiting Members

If your carrier is leaving, HealthCare.gov may assign a similar plan. Still, that plan could drop your providers, so we review it with you.

Income Swings From Oil and Ag

Refinery overtime, harvest checks and cattle sales can push income up or down. Therefore, we estimate the full year before you claim credits.

Wyoming Neighbors Who Shop Here

Many northern Wyoming families drive to Billings for stores and specialists. Since you buy coverage where you live, Wyoming residents shop Wyoming plans. Even so, we can check whether those plans include Billings doctors.

Request a Free Magic City Review

Put a licensed agent on your health insurance Billings comparison this week. Reach us at 888-730-6001 or send our quick form.

Billings Health Insurance Options

Health insurance Billings residents choose generally fits into five product groups. Each suits a different job, income or family stage. Reach us at 888-730-6001 to weigh Yellowstone County health plans side by side.

Marketplace Plans on HealthCare.gov

Montana uses HealthCare.gov, and two insurers remain. Compare carriers such as Blue Cross and Blue Shield of Montana where they serve your ZIP code. Every plan covers pre-existing conditions, and state reinsurance trims full-price premiums.

Household of four's yearly incomeWhat usually applies
Up to about $45,540Montana Medicaid for parents
About $45,540 to $132,000Federal tax credits
Above about $132,000Full price

Children often qualify for Healthy Montana Kids at incomes above the Medicaid line. Our subsidy guide and ACA plans page explain the details.

Short-Term Plans in Montana

Montana sets no length limit of its own for short-term coverage. In practice, carriers here have capped plans at about six months. Vivna offers UnitedHealthcare short-term plans, which may exclude pre-existing conditions. In Montana, short-term terms run up to 6 months where available; ask an agent for options. See our short-term coverage overview.

Catastrophic Plans for Young Adults

Most adults under 30 can pick a catastrophic plan, which suits many MSU Billings students. These plans still cover three primary care visits before the deductible.

Montana Medicaid and Healthy Montana Kids

Montana expanded Medicaid to adults earning up to 138 percent of poverty. Starting January 1, many of those adults need 80 hours a month of work or similar activity. Earning at least $580 a month also counts.

Coverage for Crow and Northern Cheyenne Members

Members of federally recognized tribes can enroll or change plans monthly. In addition, they may qualify for extra cost-sharing help.

Add-Ons for Hard-Working Households

Small policies can cover what medical plans skip.

Choose Your Route

Still deciding on a health insurance Billings option? Reach us at 888-730-6001 or ask for a free comparison.

Billings Hospitals, Networks and Doctors

Billings works as a medical hub for a region stretching hundreds of miles. As a result, health insurance Billings networks matter to ranch families far beyond city limits. Two large systems anchor local care.

A plan that includes one system may limit the other. So reach us at 888-730-6001 before you switch, and we will confirm your doctors.

Billings Clinic

Billings Clinic runs a 336-bed hospital downtown and the first Level I trauma center in Montana and Wyoming. It also belongs to the Mayo Clinic Care Network.

St. Vincent Regional Hospital

Intermountain Health operates St. Vincent, which earned Level I trauma status as well. Moreover, a planned replacement hospital will hold 295 beds.

Video Visits for Ranch Families

Many patients live hours from either hospital. Fortunately, telehealth can handle routine follow-ups without the long drive. Our telehealth guide explains how plans cover those visits.

Long-Term Acute Care

Advanced Care Hospital of Montana offers 40 beds for long recoveries. Ask whether your plan covers extended stays there.

Confirm Every Provider

Search names in our find-a-doctor tools. Next, review how networks affect your costs. Then reach us at 888-730-6001 to match health insurance Billings plans to your list.

Health Insurance Billings Workers Count On

Health care employs more people here than any other sector. Still, many workers need health insurance Billings employers do not provide. Ranchers, truckers and small contractors often buy coverage on their own.

Your work shapes the right plan. A licensed agent at 888-730-6001 can fit coverage to your schedule.

Refinery and Energy Workers

Three of Montana's four oil refineries sit in Yellowstone County. Billings also supplies services to the Bakken oil field farther east. When contracts end, our guide to coverage between jobs lays out each option.

Hospital and Clinic Staff

Billings Clinic alone employs more than 4,500 people. Even so, part-time and per-diem roles may not include benefits. Our part-time coverage guide explains your choices.

Ranchers and Sugar Beet Growers

Western Sugar processes local beets, and ranching still shapes the county. Because farm income varies, our self-employed coverage guide helps with planning.

Truckers on I-90 and I-94

The two interstates meet near Billings, which makes the city a natural base for drivers. Our truck driver coverage guide covers nationwide networks.

College Staff and Students

MSU Billings and Rocky Mountain College enroll about 5,000 students combined. Students under 26 can often stay on a parent's plan.

Fit a Plan to Your Work

Refinery shift, ranch chores or long haul, we can find a match. Reach us at 888-730-6001 or compare Billings plans online.

Health Insurance Billings FAQs

Yellowstone County callers ask these health insurance Billings questions most. For statewide rules, open our Montana coverage questions library. Weekday answers start at 888-730-6001.

Can one plan include Billings Clinic and St. Vincent?

Some plans include both systems, while others favor one. So we compare networks against your doctor list.

I live in Laurel or Lockwood. Does that change prices?

Prices depend on your county and ZIP code. Therefore, we quote using your exact address.

My carrier is leaving Montana. What should I do?

Pick a new plan during Open Enrollment. Otherwise, HealthCare.gov may move you into a plan you did not choose.

How long can a short-term plan last here?

Montana sets no state cap, yet carriers have kept plans at about six months. We show current terms when you call.

I am a veteran. Can I get tax credits?

Not while you are enrolled in VA health care. However, your spouse and children may still qualify.

Do Montana Medicaid members face new work rules?

Yes, starting January 1 for many expansion adults. Parents of young children and some others are exempt.

Do I need to meet in person?

No. We work by phone and online, so you never leave the Rims.

Ask Your Own Billings Question

Still wondering about a health insurance Billings detail? Reach us at 888-730-6001 or submit our short form.

Health Insurance Billings Tips and Guides

A few short reads make health insurance Billings quotes easier to compare. Each guide covers one practical topic. Want help reading a renewal notice? Reach us at 888-730-6001.

Montana City Guides

Guides for a Changing Market

Turn Reading Into Real Prices

Guides teach the rules, while a quote shows your actual cost. Reach us at 888-730-6001 or get your free Billings quote.

More Montana City Guides

Live near the city line or work in another town? Compare health insurance Billings options with these other Montana city guides. Each one covers local hospitals, county programs and the plans sold there.

Statewide help: the Montana health insurance guide and our Montana health insurance questions and answers.

Questions? Talk With a Licensed Billings Agent

Health insurance Billings decisions get simpler once a licensed agent explains them. Plus, our health insurance Billings guidance never costs you a dime. Share who needs coverage, a rough income and your doctors. Afterward, we narrow the list, and you make the final pick.

Open Enrollment currently begins November 1, but dates could still change. Enroll by December 15 for coverage that starts January 1. Reach us at 888-730-6001 Monday through Friday.

Your Licensed Agent Team

Vivna Inc. agency NPN 19168641. BBB A+ rated and a U.S. Chamber of Commerce member.

Office: 810 SE 8th Ave, Suite A, Deerfield Beach, FL 33441. We serve Montana by phone and online.

Hours: Monday to Friday, 7 a.m. to 4 p.m. Mountain (9 a.m. to 6 p.m. Eastern).

Confirm any agency license with the Montana Commissioner of Securities and Insurance.

Official Billings and Montana Resources

Begin Your Free Billings Quote

Want both trauma-center networks checked first? Reach us at 888-730-6001 or request your free quote today.