- 2carriers selling 2027 marketplace plans in Missoula County
- 24plans on the Missoula shelf, from 7 bronze to 8 gold
- $871benchmark silver for a 40 year old in Missoula, full price per month
Who sells marketplace plans in Missoula County
Missoula County and Yellowstone County, the two Montana counties I track, have the same number of carriers, two each. Across all 79 counties and parishes I track, 69 have more carriers than Missoula. Blue Cross and Blue Shield of Montana alone accounts for 17 of the 24 plans in Missoula, 71 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Montana | 17 | 5 | 4 | 6 | POS 8, PPO 9 |
| Mountain Health CO-OP | 7 | 2 | 2 | 2 | PPO 7 |
Missoula plan counts from the CMS 2027 landscape file (county FIPS 30063, Rating Area 3). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Missoula County for 2027
PacificSource Health Plans sold 8 of the 39 plans in Missoula County in 2026 and has no plans here in the 2027 CMS file. If you were enrolled with PacificSource Health Plans, you should have a notice by now. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions. Missoula now has two carriers and 24 plans, against three carriers and 39 plans in 2026.
What it costs in Missoula County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Missoula plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Missoula pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $457 | $584 | $1,239 | $1,167 | $1,866 |
| Lowest silver | $641 | $819 | $1,738 | $1,637 | $2,617 |
| Benchmark silver (second lowest) | $682 | $871 | $1,850 | $1,742 | $2,785 |
| Lowest gold | $608 | $778 | $1,651 | $1,555 | $2,486 |
Benchmark silver is the second lowest of the 6 silver premiums listed for Missoula. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Missoula County
The gold row is the surprise in Missoula County. The cheapest gold plan for a 40 year old, $778 a month, is $41 cheaper than the cheapest silver plan at $819. That happens because Montana carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Missoula shelf, and a gold deductible here tops out at $2,500.
In Missoula County the benchmark is $288 above the cheapest bronze at age 40, and only nine of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $871 benchmark minus what the government expects you to pay from your income. A 40 year old in Missoula whose expected share is $288 a month or less would pay nothing for the cheapest bronze. At 60 the Missoula gap grows to $611 and at 21 it shrinks to $225, which is why older enrollees are the ones most likely to find a $0 plan.
Yellowstone County, around Billings, is the other Montana county I track. Compared with Yellowstone County, the Missoula benchmark is $140 higher at 40 and the cheapest bronze is $100 higher. The same two carriers sell in both, so moving between Missoula and Yellowstone changes the price you pay but not the companies you can pick from.
Missoula plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 3 | 0 | |
| Bronze | 1 | 0 | $11,750 to $11,750 |
| Expanded Bronze | 6 | 0 | $5,000 to $9,000 |
| Silver | 6 | 0 | $3,100 to $9,000 |
| Gold | 8 | 0 | $1,200 to $2,500 |
| Total | 24 | 0 |
By network type the 24 Missoula plans break down as 16 PPO and 8 POS. PPOs are the majority here, 16 of the 24, and they come from Blue Cross and Blue Shield of Montana and Mountain Health CO-OP, so a plan that lets you see specialists without a referral is easy to find in Missoula. No plan in Missoula has a $0 medical deductible for 2027.
Every Missoula price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Missoula the premium tax credit is measured against the $871 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Missoula numbers for you.
2027 plans for Missoula County
These are the 2027 plans and prices for Missoula County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Montana runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Missoula plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Missoula County coverage
How many health insurance companies sell marketplace plans in Missoula County, Montana?
For 2027, two carriers sell individual marketplace plans in Missoula County: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP. Together they offer 24 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Missoula County?
At full price before any subsidy, the cheapest bronze plan in Missoula County is $457 a month for a 21 year old, $584 at 40 and $1,239 at 60. In Missoula a couple both aged 40 pays $1,167 for the cheapest bronze, and two 40 year olds with two children pay $1,866. Catastrophic plans in Missoula, open only to people under 30 or with a hardship exemption, start at $381 at age 21. Most people in Missoula who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Missoula County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $871 a month for a 40 year old in Missoula County before subsidies. In Missoula it is $682 at age 21 and $1,850 at age 60, and the lowest silver plan is $819 at 40.
Which insurance companies left Missoula County for 2027?
PacificSource Health Plans sold 8 plans in Missoula County in 2026 and has no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP. No new carrier entered for 2027.
Can I get a PPO or a $0 deductible plan in Missoula County?
A PPO yes, a $0 deductible no. 16 of the 24 plans in Missoula are PPOs, all from Blue Cross and Blue Shield of Montana and Mountain Health CO-OP, and no plan has a $0 medical deductible. The cheapest gold plan for a 40 year old in Missoula is $778 a month before subsidies.
More for Missoula County residents
- Health insurance brokers in Montana, how to choose one and what it costs
- Every 2027 carrier change in Montana
- How Missoula compares with the other 78 counties and parishes I track
- Estimate a Missoula subsidy
Get your Missoula County quote
Send me your ZIP and who needs coverage and I will compare every Missoula plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2027 (public use file), Missoula County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines