Montana Health Insurance Made Affordable
Montana Health Insurance helps protect your health and financial security. At Vivna Insurance, we help individuals, families, and small businesses compare affordable plan options so they can choose coverage with confidence.
- π Where to EnrollHere with Vivna
- π₯ MedicaidExpanded
- β±οΈ Short-TermAvailable
- π State MandateNo state penalty
π€ Why Montana Families Choose Vivna
Shopping for Montana Health Insurance should feel simple, not stressful. So Vivnaβs licensed agents compare plans from leading carriers and explain every option in plain language.
Because we work for you, not one insurance company, our advice stays honest and focused on your budget. Have questions? Then call 888-730-6031 to talk with an agent today.
Personalized Support
One licensed agent guides you from your first question through enrollment, so nothing slips.
Licensed Nationwide
Our agents also serve individuals and families across 48+ states.
Choose Your Carrier
Compare top carriers side by side instead of one companyβs plans.
No Cost to You
Our guidance is free, and you also pay the same premium as buying direct.
Carriers our agents work withTap a logo to learn more β
π§ Montana Health Insurance Options
Wondering what Montana Health Insurance options fit your family? So below are the plans our licensed agents can help Montana residents compare. Some open only during enrollment, while others accept applications year-round.
π©Ί Health Coverage Plans
π‘οΈ Added Protection & Assistance
ACA Marketplace Plans
Best for: full coverage and income-based savings
- Covers pre-existing conditions and also essential health benefits
- Premium tax credits, so costs follow your income
- Enroll through HealthCare.gov
Short-Term Health Insurance
Best for: gaps between jobs or missed enrollment
- UnitedHealthcare plans: up to 6 months
- Apply any time, so a missed deadline is not a problem
- Not ACA coverage, so pre-existing conditions may be excluded
Dental & Vision Insurance
Best for: cleanings, fillings, eye exams, and glasses
- Vision plans from UnitedHealthcare, plus dental from other top carriers
- Add to any health plan, or also buy on its own
- Many plans cover preventive visits at 100%, so checkups cost less
Life Insurance
Best for: protecting your familyβs income
- Term, whole life, and final expense options
- Coverage sized to your budget, so premiums stay manageable
- Simple applications, because a licensed agent helps
Supplemental Insurance
Best for: help with high deductibles and surprise bills
- Accident, critical illness, and hospital indemnity plans
- From UnitedHealthcare, Aflac, ManhattanLife, and more
- Cash benefits paid to you, so you decide how to use them
Medicaid & CHIP
Best for: households with very low income
- Montana covers adults up to 138% of the poverty level
- Children may also qualify for CHIP at higher incomes
- We help you check first, before you buy a plan
π ACA Plan Tiers at a Glance
How to choose a metal tierNot sure which option fits? Then call 888-730-6031 and an agent will compare them with you.
Dental and Vision Insurance in Montana
Montana residents can buy dental and vision insurance any time of year. These plans are separate from health coverage, so you can add one to any plan or buy it alone.
- UnitedHealthcare VisionWise: a $0 network eye exam and up to $150 toward frames or contacts, with no waiting period.
- Dental: UnitedHealthcare’s current DentalWise plans aren’t sold in Montana, but an agent can check other dental plans.
- Other carriers: Vivna also compares Cigna, Aetna and Aflac dental and vision plans where they’re sold.
Compare the plans in our United Healthcare dental insurance and United Healthcare vision insurance guides. You can also find dentists that accept United Healthcare. Questions? Call 888-730-6031 for free help from a licensed agent.
Source: UnitedHealthcare Individual Product Availability grid (form 42839b-X-0826). Plans and benefits can vary by ZIP code.
Small Business Health Insurance in Montana
Montana small businesses with 1 to 50 eligible employees can buy small group health insurance, or set up an ICHRA or QSEHRA so employees pick their own plans with tax-free help from the business.
- Small group plans: one plan for your team. Most carriers need at least one W-2 employee who is not an owner or the owner’s spouse.
- November 15 to December 15: carriers waive participation and contribution minimums for coverage starting January 1.
- ICHRA and QSEHRA: set a fixed monthly allowance. For 2026, QSEHRA allowances are capped at $6,450 self-only and $13,100 family.
- Tax credit: employers with fewer than 25 full-time equivalent employees may qualify for a credit of up to 50% of premiums through SHOP.
Learn more in our guides to small business health insurance, small business health insurance cost and health insurance for business owners. Call 888-730-6031 for a free small group quote.
Short-Term Health Insurance in Montana
Yes, you can buy short-term health insurance in Montana. Through UnitedHealthcare, plans use the Choice Plus network and last up to 6 months. TriTerm Medical is not sold in Montana. These plans are medically underwritten and are not ACA coverage.
| Short-term plan length | Up to 6 months |
|---|---|
| Provider network | UnitedHealthcare Choice Plus |
| TriTerm Medical (multi-year) | Not sold in Montana |
| Pre-existing conditions | Generally not covered |
| When you can buy | Any time of year |
| Insurer | Golden Rule Insurance Company, a UnitedHealthcare company |
See plan details on our UnitedHealthcare short-term health insurance page. Compare every option in our short-term health insurance guide. Questions? Call 888-730-6031.
Source: UnitedHealthcare Product Availability Grid (form 42839b-X-0826, current as of August 28, 2026). Plans can vary by ZIP code.
Lost Coverage in Montana? Your Options by Situation
Every coverage gap is different. Here is how the most common ones work in Montana, and when a short-term plan makes sense. For help with your own case, call 888-730-6031.
Lost your job in Montana
Losing job coverage gives you 60 days to pick a plan through HealthCare.gov. COBRA is another option at employers with 20 or more workers. Smaller employers may fall under state continuation rules, so ask your plan.
Compare your choices in our guide to health insurance between jobs.
Missed open enrollment in Montana
Open enrollment through HealthCare.gov runs Nov 1 β Jan 15. After that, you need a qualifying life event to join. Short-term plans in Montana last up to 6 months.
See your options for health insurance after open enrollment.
Earning too much for tax credits
For 2027 coverage, tax credits stop above $63,840 for one person or $132,000 for a family of four. Healthy people over that line may pay less with short-term health insurance.
Learn how the ACA subsidy cliff works first.
Low income or no job
Montana expanded Medicaid for adults earning up to 138% of the federal poverty level. Work requirements are already being enforced for many expansion adults.
Read about low income health insurance options.
Short-term plans are medically underwritten and are not ACA coverage. They can exclude pre-existing conditions. Losing one does not open a Special Enrollment Period, so you may wait until the next open enrollment. Questions? Call 888-730-6031.
β Montana Health Insurance FAQs
Montana Health Insurance rules change every season, from enrollment dates to the savings you can get. So below, we answer the top questions about the upcoming open enrollment on HealthCare.gov.
- ποΈOpen EnrollmentNov 1 β Jan 15
- πWhere to EnrollHealthCare.gov
- π₯MedicaidExpanded
ποΈ Enrollment, Costs & Savings
01When is open enrollment for Montana Health Insurance?
Open enrollment for Montana Health Insurance runs November 1 through January 15 on HealthCare.gov. Enroll by December 15 so your coverage starts January 1. Otherwise, plans chosen later start February 1. Outside that window, however, you need a qualifying life event, such as losing coverage, moving, or having a baby. Our open enrollment health insurance guide also covers each step, and this article explains how to buy coverage after open enrollment.
02Can I get help paying for Montana Health Insurance?
Yes, and many households still qualify for federal premium tax credits. In general, you may qualify if your income falls between 138% and 400% of the federal poverty level. However, the extra federal credits from recent years have ended, so households above 400% no longer get help. Also, estimate your income carefully, because you may owe back the full difference at tax time. Next, learn how health insurance subsidies work, or explore lower-cost options if you lose your subsidy.
03Are Montana Health Insurance premiums going up?
Regulators approved an average increase of about 22.6% for Montana marketplace plans for the coming plan year. Because your current plan may cost noticeably more, comparing plans this season is more important than usual. Before you renew, also read how plan costs break down.
π₯ Coverage Choices in Montana
04Is my Montana insurance company leaving the marketplace?
Yes, PacificSource is leaving the Montana marketplace. Only two insurers remain, so PacificSource members need to choose a new plan. If you do nothing, however, you may be moved to a plan that does not fit your doctors or budget. Before switching, compare marketplace plans side by side and also check which doctors are in network.
05Does Montana offer Medicaid for low-income adults?
Montana expanded Medicaid for adults earning up to 138% of the federal poverty level. Work requirements are already being enforced for many expansion adults. If your income changes, also update your application so you land in the right program. For families, our guide to child health insurance coverage can also help.
06Can I buy short-term health insurance in Montana?
Yes. Vivna also offers UnitedHealthcare short-term plans in Montana. Plans last up to 6 months. However, these plans are not ACA plans, so they can exclude pre-existing conditions and do not qualify for tax credits. Still, you can apply year-round, which helps if you missed open enrollment. Next, learn more about short-term health insurance and UnitedHealthcare coverage.
07How can a licensed agent help me choose Montana Health Insurance?
First, our licensed agents compare plans, check your savings, and confirm your doctors are in network. Best of all, there is no cost for this help. So call 888-730-6031 or request a free quote online today. You can also browse our health insurance FAQ page or meet the Vivna team.
Information reflects the upcoming open enrollment season and may change. Call 888-730-6031 to confirm your options.
π Montana Health Insurance Tips & Guides
Montana Health Insurance decisions are easier when you know the basics. So our licensed agents write these guides to explain coverage, costs, and enrollment. Then, if a question comes up after reading, call 888-730-6031 anytime.
π More Guides for Montana Shoppers
- Catastrophic Health Insurance: Who Qualifies in 2027
- Health Insurance Life Events: When to Update Coverage
- COBRA vs Marketplace: Which Is Better After a Job Loss?
- Health Insurance Without an Employer: Every Option Explained
- Premium vs Deductible: Differences, Examples and Break-Even Math
- 6 Reasons Term Life Insurance Matters for You and Your Family
- Getting Back Into Exercise After a Break
- Life Insurance for Children
𧩠Plans, Carriers & FAQs
Health Insurance by City in Montana
Each Montana city guide covers local hospitals and networks, county help programs and the plan options sold in that area. Pick your city below, or call 888-730-6031 Monday through Friday, 9 a.m. to 6 p.m. Eastern, to talk with a licensed agent for free.
Have a question first? Browse our Montana health insurance questions and answers, or request a free quote.
π Questions? Talk With a Licensed Agent in Montana
Montana Health Insurance can feel confusing, but you never have to sort it out alone. Instead, our licensed agents compare health, dental, vision, life, and supplemental plans for you.
Best of all, our help costs you nothing. So request your free quote online, or call 888-730-6031 to speak with an agent today.
Prefer email? Then visit our contact page to reach our team.
How it works
- πCall or request a quoteTell us your zip code, budget, and doctors.
- πWe compare your plansAn agent checks carriers and savings side by side.
- β You choose and enrollPick the plan you like, and we handle the paperwork.
