Before subsidies, the benchmark silver plan for a 40-year-old in Lewis and Clark County cost about $748 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 Lewis and Clark County for 2026. The rest of this page covers your coverage options in Helena, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Helena
Licensed agents can compare plans available in Lewis and Clark County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Helena, MT
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $889/mo before subsidies |
| Lewis and Clark County benchmark (2026) | $748/mo |
| Plans offered in Lewis and Clark County (2026) | 39 |
| Plan types | PPO, POS, 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.
A quick checklist
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
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
How much is health insurance in Helena?
Before subsidies, the benchmark silver plan for a 40-year-old in Lewis and Clark County cost about $748 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 Lewis and Clark County for 2026. A licensed agent can quote your exact price.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Medicaid (HELP Plan). Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
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.
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