How Much Does Health Insurance Cost in Montana?
Montana pricing is near the national average. Updated for 2026.
Health Insurance Pricing in Montana
In Montana, the average cost for health insurance is $428 per month (individual), which is 5% lower than the national average of $450. Most Montana residents pay between $190 and $760.
Montana has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Health insurance costs vary based on plan type, coverage level, age, location, and whether you receive subsidies through the ACA marketplace.
Montana vs National Average
What Affects Health Insurance Cost in Montana?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
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💡 Tips to Save on Health Insurance in Montana
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Montana Cost Trends (2022–2026)
Prices have increased +17.6% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $364 | — |
| 2023 | $379 | +4.1% |
| 2024 | $404 | +6.6% |
| 2025 | $415 | +2.7% |
| 2026 | $428 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Montana
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Health Insurance Cost in Other States
Related Cost Guides for Montana
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