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ACA Health Insurance Coverage Options in Montana
Montana uses the federal HealthCare.gov Marketplace for ACA health insurance. Review coverage options and enrollment information for Montana residents.
The new 2027 plans become available November 1, 2026. Call 855-367-1095 now to get a sneak peek at the new plans before then, and we will have your options ready the day they open.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Montana Medicaid: Montana Department of Public Health and Human Services (DPHHS) · 1-888-706-1535 (Public Assistance Helpline) · dphhs.mt.gov/MontanaHealthcarePrograms/MemberServices
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Eligibility considerations
- No coverage available through an employer, Medicare, or Medicaid
- Interest in comparing Montana Marketplace plans by metal tier
- Uncertainty about premium tax credit eligibility based on household income
Plan tiers
Lower monthly premium; higher cost-sharing when care is used.
The benchmark tier for subsidy calculations; the only tier eligible for additional cost-sharing reductions.
Higher monthly premium; lower cost-sharing at the point of care.
Montana Medicaid and Marketplace information
- Medicaid expansion status
- Expanded (January 2016)
- Montana Medicaid agency
- Montana Department of Public Health and Human Services (DPHHS)
- ACA Marketplace
- HealthCare.gov (federal Marketplace)
Montana counties: ACA open enrollment
Choose your county for the dates, Medicaid status and how to get help.
Common questions
How is ACA Marketplace coverage administered in Montana?
Montana uses HealthCare.gov (federal Marketplace) rather than a state-run exchange. Enrollment, plan comparison, and subsidy determinations run through the federal system.
Has Montana expanded Medicaid under the ACA?
Yes. Montana adopted Medicaid expansion, effective January 2016, extending eligibility to more low-income adults than the traditional Medicaid program covered.
Is there a cost to speak with a licensed agent?
No. Reviewing ACA Marketplace options by phone with a licensed agent has no cost. Any plan ultimately selected carries its own separate premium, determined by the plan and carrier, not by GetFastRates.com.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.