Before subsidies, the benchmark silver plan for a 40-year-old in Silver Bow County cost about $757 a month for 2026, and the Montana average for 2027 is $889 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Silver Bow County for 2026. Below you'll find how coverage works in Butte, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Butte
Licensed agents can compare plans available in Silver Bow County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Butte, MT
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $889/mo before subsidies |
| Silver Bow County benchmark (2026) | $757/mo |
| Plans offered in Silver Bow County (2026) | 30 |
| Plan types | PPO, EPO |
| Marketplace insurers in Montana (2027) | 2 |
| Medicaid expansion | Yes |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Before you call an agent
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
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.
Frequently asked questions
Where can I buy health insurance in Butte?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Which insurers sell marketplace plans in Montana?
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.
How much is health insurance in Butte?
Before subsidies, the benchmark silver plan for a 40-year-old in Silver Bow County cost about $757 a month for 2026, and the Montana average for 2027 is $889 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Silver Bow County for 2026. A licensed agent can quote your exact price.
Health insurance in nearby cities
- Anaconda, MT 23 miles
- Helena, MT 57 miles
- Helena Valley West Central, MT 60 miles
- Helena Valley Southeast, MT 61 miles
- Belgrade, MT 72 miles
- Four Corners, MT 73 miles
- Hamilton, MT 76 miles
- Bozeman, MT 79 miles
- Missoula, MT 94 miles
- Orchard Homes, MT 94 miles