Montana · MT
Health insurance in Montana: private plans, the Marketplace, and how AFHC helps
America First Healthcare helps Montana residents compare private plans, Marketplace options and gap coverage with a licensed advisor. Below is how buying coverage works in Montana, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Quick facts
- Marketplace
- HealthCare.gov
- 2027 open enrollment
- See the dates
- Medicaid expansion
- Adopted
Facts checked 2026-09-17.
Montana health insurance facts
- Marketplace
- Montana uses HealthCare.gov, the federally facilitated Marketplace.Source
- 2027 open enrollment
- November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enroll December 16 to January 15 for a February 1 start.Source
- Medicaid expansion
- Montana adopted Medicaid expansion (implemented January 1, 2016).Source
Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.
Free, impartial help in Montana
If you have Medicare or will soon: Montana’s State Health Insurance Assistance Program (SHIP) is Montana State Health Insurance Assistance Program (SHIP), 406-444-4077.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source
If you are buying a Marketplace plan: HealthCare.gov’s Find Local Help directory lists assisters trained and certified by the Marketplace, who are required to give fair, impartial information.Source
America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.
Who we usually help in Montana
Most Montana households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail. New to private coverage? Start with private health insurance in the USA.
- Self-employed and 1099 workers
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- Families who want catastrophic-first coverage
We work with families across Montana, including Billings, Missoula, Great Falls and Bozeman, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.
How the free review works for Montana residents
- Book online at the free healthcare review page or call (888) 728-7640.
- One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in Montana.
- You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.
Montana health insurance FAQs
When is open enrollment in Montana for 2027 coverage?
November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enroll December 16 to January 15 for a February 1 start.
Does Montana use HealthCare.gov or its own marketplace?
Montana uses HealthCare.gov, the federally facilitated Marketplace, for Marketplace plans and premium tax credits.
How do I verify an insurance agent's license in Montana?
Look the agent up through the NIPR license lookup, or contact the state's insurance department. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Want a plain-English walkthrough of your Montana options? Book a free healthcare review. No hard sell.
Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.