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Call Us NowRequest a Free QuoteMontana open enrollment runs from November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15 if you want coverage to start January 1. PacificSource is leaving Montana, so only two insurers will sell Marketplace plans for 2027. Approved rates are up more than 20% before subsidies.
This guide covers the key dates, which insurers are selling plans in Montana for 2027, how much rates are changing and how to keep your costs down. For free help comparing plans, call a licensed Vivna agent at 888-730-6031.
- Enroll by December 15 for January 1 coverage, or by January 15 for February 1 coverage.
- Two insurers sell 2027 Marketplace plans in Montana: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP.
- PacificSource is leaving the Marketplace and ending all Montana operations.
- Approved increases are 21.7% (BCBS of Montana) and 27.1% (Mountain Health CO-OP) before subsidies.
- Montana expanded Medicaid and runs a reinsurance program that helps hold down full-price premiums.
Key Dates for Montana Open Enrollment
| Date | What happens |
|---|---|
| November 1, 2026 | Open enrollment starts on HealthCare.gov |
| December 15, 2026 | Last day to enroll for coverage starting January 1, 2027 |
| January 15, 2027 | Open enrollment ends. Plans picked by this date start February 1 |
| After January 15 | You need a qualifying life event for a special enrollment period |
If you have a plan now and do nothing, HealthCare.gov may automatically renew you into the same or a similar plan. Auto-renewal can cost you money when rates and subsidies change, so compare before December 15.
Which Insurers Sell Plans in Montana for 2027?
Montana had three Marketplace insurers in 2026. Two remain for 2027:
| Insurer | 2027 status | Approved average rate change |
|---|---|---|
| Blue Cross and Blue Shield of Montana | Returning | 21.7% |
| Mountain Health CO-OP | Returning | 27.1% |
| PacificSource | Leaving the Marketplace | Not applicable |
Plan choices vary by county. Enter your ZIP code on HealthCare.gov, or call 888-730-6031, to see which insurers serve your area.
How Much Are Rates Going Up in Montana?
Montana regulators approved average increases of 21.7% for Blue Cross and Blue Shield of Montana and 27.1% for Mountain Health CO-OP for 2027, before subsidies. Montana's weighted average is about 22.6%.
PacificSource members need a new plan by December 15 to avoid a gap. If you get a premium tax credit, your actual change depends on your new subsidy.
How Subsidies Work in Montana for 2027
The enhanced federal subsidies that were in place from 2021 through 2025 expired. For 2027, premium tax credits are available to households with income from 100% to 400% of the federal poverty level that do not have access to affordable employer coverage. Above 400%, there is no subsidy.
Your subsidy is tied to the cost of the second-lowest-cost silver plan in your area. When that benchmark plan goes up, your subsidy usually goes up too. That is why some people see little change in what they pay, while people who earn too much for a subsidy pay the full increase.
If your income is near the 400% line, small changes can make a big difference. See our guide to the ACA subsidy cliff.
Medicaid in Montana
Montana expanded Medicaid. Adults with income up to 138% of the federal poverty level can generally qualify. Federal work requirements for many expansion adults start in 2027.
Montana has run a reinsurance program since 2020, which helps lower full-price premiums. See our Montana health insurance page.
A licensed Vivna agent can compare every Montana Marketplace plan in your ZIP code, check your subsidy and help you switch if your insurer is leaving. Call 888-730-6031 or request a free quote.
How to Enroll in Montana
- Gather your information: household members, Social Security numbers, income estimate for 2027 and current coverage details.
- Estimate your 2027 income carefully. Your subsidy is based on it, and you reconcile it at tax time.
- Compare plans: look at premiums, deductibles, out-of-pocket maximums, networks and drug lists, not just the monthly price.
- Check your doctors and prescriptions in each plan's network and formulary.
- Enroll on HealthCare.gov or with a licensed agent at no extra cost.
- Pay your first premium to start coverage.
Ways to Lower Your Costs in Montana
- Compare bronze, silver and gold plans. If your income is under 250% of the poverty level, a silver plan may give you cost-sharing reductions.
- Consider an HSA-eligible bronze plan if you are healthy and want a tax-free savings account.
- Add hospital indemnity or accident insurance to a lower-premium plan to cover big bills.
- Use our open enrollment checklist so you do not miss a step.
Missed Open Enrollment in Montana?
After January 15, you can only enroll in a Marketplace plan if you have a qualifying life event, such as losing other coverage, moving, getting married or having a baby. If you do not qualify, a Montana short-term health insurance plan may bridge the gap until next year. See how to buy health insurance after open enrollment.
Montana Open Enrollment: FAQ
When is open enrollment in Montana for 2027?
November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1.
How many insurers sell Marketplace plans in Montana for 2027?
Two: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP. PacificSource is leaving.
Are Montana health insurance premiums going up in 2027?
Yes. Approved increases are 21.7% and 27.1% before subsidies.
Can I get a subsidy in Montana?
Yes, if your household income is between 100% and 400% of the federal poverty level and you do not have affordable employer coverage.
What if I miss the deadline?
You need a qualifying life event for a special enrollment period. Otherwise, you wait until the next open enrollment.
Next Steps for Montana open enrollment
Review your 2027 options before December 15, especially if your insurer is leaving or your rate is going up. Compare plans in your ZIP code and update your income estimate. See our national guide to open enrollment deadlines by state and our Montana health insurance page.
Want a licensed agent to help? Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern, or request a free quote.
Sources
- healthinsurance.org: Montana Marketplace
- Daily Montanan: PacificSource to end Montana insurance operations
- healthinsurance.org: Insurers exiting the Marketplace for 2027
- HealthCare.gov
Related Guides
- Open enrollment deadlines by state
- Open enrollment checklist
- ACA subsidy cliff
- Montana health insurance
About the author: Michael Sprague
Michael co-founded Vivna Insurance, a licensed independent agency in Deerfield Beach, Florida. He has worked in health insurance sales for more than a decade. Today, he helps Florida families and self-employed clients compare marketplace, short-term and supplemental plans. Licensed health insurance agent, Vivna Insurance (Agency NPN 19168641). Call 888-730-6031.
Reviewed by Heather Sprague, licensed health insurance agent.
Vivna Insurance is a licensed independent agency, not a government website. Our help is free; we are paid by the insurance companies we work with. Coverage options, deadlines and costs vary by plan and state.
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