Your 2026 Montana Individual Health Insurance

Everyone's "best" is different, but it's helpful to start thinking about your health care needs and budget:

• How many people will be covered by your plan? If you plan to cover a spouse and children with your plan, you might want to go with a Gold level plan. Each BCBSMT Individual and Family plan offers Gold, Silver and Bronze metal levels.
• How often do you visit the doctor or how many prescriptions do you have? When you expect to use your benefits a lot, compare each plan's metallic levels to understand how much of the cost your plan would cover. Consider a plan with a lower deductible.
• Would you rather pay more each month to owe less when you go to the doctor, or save on your premium for higher out-of-pocket costs for care? Between your plan type, like PPO or Point of Service (POS), and the metal tiers, you can find plans that help you balance your monthly costs for coverage and your health care costs.
• Do you have a doctor, health care system or prescriptions you don't want to change? When you're comparing your health insurance options, check that the network covers the providers you want and that the pharmacy benefits cover the medicines you take.
• Do you want your care to be managed with the help of a primary care provider (PCP)? You'll choose a PCP to be your first stop for care with a POS plan. If you'd prefer more flexibility with providers, think about choosing a PPO plan.

How much you pay for health insurance each month, or your premium, depends on the plan you choose. With BCBSMT's 2026 ACA options, individual premiums start at $250 and go up to $10,600. You might be able to get premium tax credits that can help you lower how much you'd pay for your premium.

You can qualify for subsidy savings if you meet a few conditions, like making between 100% and 400% of the federal poverty level each year. In Montana, this means you could qualify for savings if you're a family of 1 and make about $62,000 or less each year. 

Montana uses the federal Health Insurance Marketplace, healthcare.gov. On healthcare.gov, you can learn more about coverage and enroll in a health insurance plan. You'll want to enroll through healthcare.gov if you have premium tax credit savings.

If you don't have, or don't know if you have, premium tax credits, you can start shopping with BCBSMT. You can enroll right now if you've recently gone through a life change that qualifies for Special Enrollment. If you haven't gone through a life change, come back to enroll when Open Enrollment starts Nov. 1. Learn more about Open Enrollment.