2026 plan year · Montana
2026 health insurance plans in Lincoln County, MT
30 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $716benchmark silver (age 40)
- $505cheapest bronze (age 40)
- 3insurers
- +18.7%benchmark change vs. 2025
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Core Bronze HSA 10600 PacificSource Health Plans · EPO | $395 | $505 | $1,072 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Plus Bronze Mountain Health CO-OP · PPO | $409 | $523 | $1,110 | $9,000 | $10,150 | $10 |
| Plus Bronze Standard Mountain Health CO-OP · PPO | $409 | $523 | $1,111 | $7,500 | $10,000 | $50 |
| Peak PPO Bronze Standard Mountain Health CO-OP · PPO | $414 | $529 | $1,123 | $7,500 | $10,000 | $50 |
| Core Bronze HSA 8300 PacificSource Health Plans · EPO | $419 | $535 | $1,136 | $8,300 | $8,300 | No Charge after Deductible |
| Peak PPO Bronze HDHP Mountain Health CO-OP · PPO | $420 | $537 | $1,139 | $8,400 | $8,400 | No Charge after Deductible |
| Blue Preferred Bronze PPO℠ 201 Blue Cross and Blue Shield of Montana · PPO | $434 | $554 | $1,177 | $6,000 | $10,600 | $35 |
| Core Standard Expanded Bronze HSA PacificSource Health Plans · EPO | $446 | $570 | $1,210 | $7,500 | $10,000 | $50 |
| Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Montana · PPO | $455 | $581 | $1,234 | $7,500 | $10,000 | $50 |
| Blue Preferred Bronze PPO℠ 202 Blue Cross and Blue Shield of Montana · PPO | $486 | $621 | $1,319 | $4,400 | $8,300 | 30% Coinsurance after deductible |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Plus Silver Standard Mountain Health CO-OP · PPO | $554 | $708 | $1,504 | $6,000 | $8,900 | $40 |
| Peak PPO Silver Standard Mountain Health CO-OP · PPO | $561 | $716 | $1,521 | $6,000 | $8,900 | $40 |
| Peak PPO Silver Mountain Health CO-OP · PPO | $565 | $721 | $1,532 | $8,000 | $9,500 | $40 |
| Core Silver 5000 PacificSource Health Plans · EPO | $585 | $748 | $1,588 | $5,000 | $8,600 | $30 |
| Core Standard Silver PacificSource Health Plans · EPO | $592 | $757 | $1,607 | $6,000 | $8,900 | $40 |
| Blue Preferred Silver PPO℠ 203 Blue Cross and Blue Shield of Montana · PPO | $620 | $793 | $1,684 | $2,000 | $10,500 | $40 |
| Core Silver 3500 PacificSource Health Plans · EPO | $627 | $802 | $1,702 | $3,500 | $10,600 | $30 |
| Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Montana · PPO | $635 | $811 | $1,723 | $6,000 | $8,900 | $40 |
| Blue Preferred Silver PPO℠ 308 Blue Cross and Blue Shield of Montana · PPO | $651 | $832 | $1,766 | $7,250 | $7,250 | No Charge after Deductible |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Core Gold 1500 PacificSource Health Plans · EPO | $583 | $745 | $1,583 | $1,500 | $7,500 | 30% Coinsurance after deductible |
| Core Standard Gold PacificSource Health Plans · EPO | $604 | $772 | $1,640 | $2,000 | $8,200 | $30 |
| Blue Preferred Gold PPO℠ 204 Blue Cross and Blue Shield of Montana · PPO | $607 | $775 | $1,647 | $1,500 | $9,950 | $20 |
| Blue Preferred Gold PPO℠ 901 Blue Cross and Blue Shield of Montana · PPO | $616 | $787 | $1,671 | $1,400 | $9,200 | No Charge |
| Plus Gold Mountain Health CO-OP · PPO | $621 | $793 | $1,684 | $1,500 | $7,000 | $5 |
| Plus Gold Standard Mountain Health CO-OP · PPO | $622 | $795 | $1,687 | $2,000 | $8,200 | $30 |
| Peak PPO Gold Mountain Health CO-OP · PPO | $628 | $803 | $1,705 | $1,500 | $7,000 | $30 |
| Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Montana · PPO | $629 | $803 | $1,706 | $2,000 | $8,200 | $30 |
| Peak PPO Gold Standard Mountain Health CO-OP · PPO | $630 | $806 | $1,711 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Peak PPO Catastrophic Mountain Health CO-OP · PPO | $245 | $313 | $666 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Montana · PPO | $435 | $556 | $1,180 | $10,600 | $10,600 | $20 |
Care quality in Lincoln County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Lincoln County.
Frequently asked questions
How many Marketplace health plans are available in Lincoln County, MT for 2026?
30 plans from 3 insurers: Blue Cross and Blue Shield of Montana, Mountain Health CO-OP, PacificSource Health Plans.
What is the benchmark silver plan premium in Lincoln County, MT?
For 2026, the second-lowest-cost silver plan costs $716 a month for a 40-year-old before tax credits, up 18.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Lincoln County, MT?
The lowest bronze premium for a 40-year-old is $505 a month before tax credits. Bronze plans have low premiums but high deductibles.