2026 plan year · Montana

2026 health insurance plans in Missoula County, MT

39 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.

$671benchmark silver (age 40)
$424cheapest bronze (age 40)
3insurers
+25.4%benchmark change vs. 2025

Bronze plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Blue Focus Bronze POS℠ 705 Blue Cross and Blue Shield of Montana · POS	$332	$424	$901	$10,600	$10,600	No Charge after Deductible
Core Bronze HSA 10600 PacificSource Health Plans · EPO	$391	$500	$1,061	$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
Blue Focus Bronze POS℠ Standard Blue Cross and Blue Shield of Montana · POS	$358	$458	$972	$7,500	$10,000	$50
Blue Focus Bronze POS℠ 205 Blue Cross and Blue Shield of Montana · POS	$383	$490	$1,040	$3,500	$9,950	$5
Plus Bronze Mountain Health CO-OP · PPO	$414	$529	$1,123	$9,000	$10,150	$10
Plus Bronze Standard Mountain Health CO-OP · PPO	$414	$529	$1,124	$7,500	$10,000	$50
Core Bronze HSA 8300 PacificSource Health Plans · EPO	$415	$530	$1,125	$8,300	$8,300	No Charge after Deductible
Peak PPO Bronze Standard Mountain Health CO-OP · PPO	$419	$535	$1,136	$7,500	$10,000	$50
Peak PPO Bronze HDHP Mountain Health CO-OP · PPO	$425	$543	$1,153	$8,400	$8,400	No Charge after Deductible
Core Standard Expanded Bronze HSA PacificSource Health Plans · EPO	$441	$564	$1,198	$7,500	$10,000	$50
Blue Preferred Bronze PPO℠ 201 Blue Cross and Blue Shield of Montana · PPO	$469	$600	$1,273	$6,000	$10,600	$35
Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Montana · PPO	$492	$629	$1,336	$7,500	$10,000	$50
Blue Preferred Bronze PPO℠ 202 Blue Cross and Blue Shield of Montana · PPO	$527	$673	$1,429	$4,400	$8,300	30% Coinsurance after deductible

Silver plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Blue Focus Silver POS℠ Standard Blue Cross and Blue Shield of Montana · POS	$513	$656	$1,393	$6,000	$8,900	$40
Blue Focus Silver POS℠ 206 Blue Cross and Blue Shield of Montana · POS	$525	$671	$1,426	$3,500	$8,900	$30
Blue Focus Silver POS℠ 903 Blue Cross and Blue Shield of Montana · POS	$538	$688	$1,460	$7,250	$7,250	No Charge after Deductible
Plus Silver Standard Mountain Health CO-OP · PPO	$561	$716	$1,522	$6,000	$8,900	$40
Peak PPO Silver Standard Mountain Health CO-OP · PPO	$567	$725	$1,539	$6,000	$8,900	$40
Peak PPO Silver Mountain Health CO-OP · PPO	$571	$730	$1,550	$8,000	$9,500	$40
Core Silver 5000 PacificSource Health Plans · EPO	$579	$740	$1,572	$5,000	$8,600	$30
Core Standard Silver PacificSource Health Plans · EPO	$586	$749	$1,591	$6,000	$8,900	$40
Core Silver 3500 PacificSource Health Plans · EPO	$621	$794	$1,686	$3,500	$10,600	$30
Blue Preferred Silver PPO℠ 203 Blue Cross and Blue Shield of Montana · PPO	$672	$859	$1,825	$2,000	$10,500	$40
Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Montana · PPO	$688	$880	$1,869	$6,000	$8,900	$40
Blue Preferred Silver PPO℠ 308 Blue Cross and Blue Shield of Montana · PPO	$706	$903	$1,917	$7,250	$7,250	No Charge after Deductible

Gold plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Blue Focus Gold POS℠ 207 Blue Cross and Blue Shield of Montana · POS	$533	$681	$1,447	$250	$8,900	20% Coinsurance after deductible
Blue Focus Gold POS℠ Standard Blue Cross and Blue Shield of Montana · POS	$535	$684	$1,452	$2,000	$8,200	$30
Blue Focus Gold POS℠ 902 Blue Cross and Blue Shield of Montana · POS	$544	$695	$1,475	$1,000	$8,500	$10
Core Gold 1500 PacificSource Health Plans · EPO	$578	$738	$1,567	$1,500	$7,500	30% Coinsurance after deductible
Core Standard Gold PacificSource Health Plans · EPO	$598	$764	$1,623	$2,000	$8,200	$30
Plus Gold Mountain Health CO-OP · PPO	$628	$802	$1,704	$1,500	$7,000	$5
Plus Gold Standard Mountain Health CO-OP · PPO	$629	$804	$1,707	$2,000	$8,200	$30
Peak PPO Gold Mountain Health CO-OP · PPO	$636	$812	$1,725	$1,500	$7,000	$30
Peak PPO Gold Standard Mountain Health CO-OP · PPO	$638	$815	$1,731	$2,000	$8,200	$30
Blue Preferred Gold PPO℠ 204 Blue Cross and Blue Shield of Montana · PPO	$659	$842	$1,788	$1,500	$9,950	$20
Blue Preferred Gold PPO℠ 901 Blue Cross and Blue Shield of Montana · PPO	$668	$854	$1,814	$1,400	$9,200	No Charge
Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Montana · PPO	$683	$872	$1,852	$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	$248	$317	$673	$10,600	$10,600	No Charge after Deductible
Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Montana · PPO	$471	$601	$1,277	$10,600	$10,600	$20

Care quality in Missoula 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 Missoula County.

Frequently asked questions

How many Marketplace health plans are available in Missoula County, MT for 2026?

39 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 Missoula County, MT?

For 2026, the second-lowest-cost silver plan costs $671 a month for a 40-year-old before tax credits, up 25.4% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.

What is the cheapest health plan in Missoula County, MT?

The lowest bronze premium for a 40-year-old is $424 a month before tax credits. Bronze plans have low premiums but high deductibles.