Before subsidies, the average benchmark silver plan for a 40-year-old in Montana costs $889 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists health insurance agents across Montana by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Montana
People in Montana buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. Medicaid (HELP Plan) covers adults with income up to 138% of the poverty level. For 2027, marketplace plans in Montana come from 2 insurers: Blue Cross and Blue Shield of Montana and Montana Health CO-OP. Not every insurer sells in every county. Short-term health plans are sold in the state, though they are not ACA-compliant coverage.
Agent licensing in Montana
- The Montana Commissioner of Securities and Insurance licenses insurance producers and regulates insurers in the state. Consumers can file complaints with the office about insurance companies, producers, adjusters and consultants it regulates. Source
- Montana partners with the NAIC's State Based Systems (SBS) for its online Licensee Lookup. Consumers can use it to check whether a producer holds a Montana license. Source
- Montana calls the health line of authority Disability (Health), and a producer must pass an exam to add it to their license before selling health coverage. Source
Free enrollment help in Montana
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Licensed agents can quote plans from multiple Montana carriers in one call.
Call 866-645-8540Agents by city in Montana
- Anaconda
- Belgrade
- Billings
- Bozeman
- Butte
- Columbia Falls
- Evergreen
- Four Corners
- Glendive
- Great Falls
- Hamilton
- Havre
- Helena
- Helena Valley Southeast
- Helena Valley West Central
- Kalispell
- Laurel
- Lewistown
- Livingston
- Lockwood
- Miles City
- Missoula
- Orchard Homes
- Polson
- Sidney
- Whitefish