Montana Health Insurance

The landscape of health insurance in Montana includes many avenues through which individuals and families may buy health care insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP. offers free health insurance quotes for Obamacare individual insurance plans, and also provides access to short term health insurance, small employer health plans and Medicaid information.

Montana and the Affordable Care Act

When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, Montana elected to participate in the federal marketplace, also known as the federal exchange. When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.

Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at For those who qualify for financial assistance, will connect them to the right exchange to complete their enrollment.

The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits that meet federal health insurance standards.

Medicaid expansion in Montana

Montana is one of many states to have expanded Medicaid to single, low-income adults since Obamacare took effect. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.

Montana CHIP

Montana Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.

Get free quotes on Montana health insurance plans from leading companies, and apply for health care coverage directly online.

Health Information

According to the United Health Foundation, which has ranked all states within the country according to healthiness, Montana is ranked in 2008 as the 22nd healthiest state in America. This number, slightly above the national average, means that Montana has good health practices within the state. Despite falling five spots in the ranking, when to compared to last year, health in Montana is accessible and adequate, but there is always room for improvement.

One of the things the state of Montana could improve and would have a great impact on the state’s health status is their amount of public health funding per capita, which is $70 per capita. But the major issue in Montana, when it comes to health insurance, is that over 16% of its residents lack Health Insurance coverage. They have a ready and efficient Health Care system, but with so many residents lacking coverage, they do not likely want to use the system, as it is expensive. If Montana can work towards making life better for its people in these two aspects, as well as increasing the percentage of physicians and the percentage of toddlers being covered, things could be even better within the state.


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Insurance and Department of Health Information

Montana State Auditor’s Office/Insurance Department
840 Helena Ave.
Helena, MT 59601
Phone: (406) 444-2040

Montana Department of Public Health & Human Services
111 North Sanders Street, Suite #301
Helena, MT 59604
Phone: (406) 444-5622