- 3carriers selling 2026 marketplace plans in Missoula County
- 39plans on the Missoula shelf, from 13 bronze to 12 gold
- $671benchmark 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, three each. Across all 79 counties and parishes I track in 24 states, 62 have more carriers than Missoula. Blue Cross and Blue Shield of Montana alone accounts for 19 of the 39 plans in Missoula, 49 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 | 19 | 6 | 6 | 6 | POS 9, PPO 10 |
| Mountain Health CO-OP | 12 | 4 | 3 | 4 | PPO 12 |
| PacificSource Health Plans Leaving for 2027 | 8 | 3 | 3 | 2 | EPO 8 |
Missoula plan counts from the CMS 2026 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.
Leaving Missoula County for 2027
PacificSource sells 8 of the 39 plans in Missoula County this year. PacificSource is leaving the Montana individual market for 2027. After that exit, two carriers are left from the 2026 Missoula lineup: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP. If you are enrolled with PacificSource in Missoula, you will get a notice this fall. 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.
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 | $332 | $424 | $901 | $849 | $1,357 |
| Lowest silver | $513 | $656 | $1,393 | $1,312 | $2,097 |
| Benchmark silver (second lowest) | $525 | $671 | $1,426 | $1,343 | $2,147 |
| Lowest gold | $533 | $681 | $1,447 | $1,362 | $2,178 |
Benchmark silver is the second lowest of the 12 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
Missoula County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $681, which is $10 above the benchmark silver and $25 above the cheapest silver. In Missoula the extra gold premium pays for a lower deductible rather than coming free.
In Missoula County the benchmark is $247 above the cheapest bronze at age 40, and only eleven 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 $671 benchmark minus what the government expects you to pay from your income. A 40 year old in Missoula whose expected share is $247 a month or less would pay nothing for the cheapest bronze. At 60 the Missoula gap grows to $525 and at 21 it shrinks to $193, 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 $110 higher at 40 and the cheapest bronze is $71 higher. The same three 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 | 2 | 0 | |
| Bronze | 2 | 0 | $10,600 to $10,600 |
| Expanded Bronze | 11 | 0 | $3,500 to $9,000 |
| Silver | 12 | 0 | $2,000 to $8,000 |
| Gold | 12 | 0 | $250 to $2,000 |
| Total | 39 | 0 |
By network type the 39 Missoula plans break down as 22 PPO, 9 POS and 8 EPO. PPOs are the majority here, 22 of the 39, 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 2026.
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 $671 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 2026 plans and prices for Missoula County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Missoula numbers then. 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.
Questions about Missoula County coverage
How many health insurance companies sell marketplace plans in Missoula County, Montana?
For 2026, three carriers sell individual marketplace plans in Missoula County: Blue Cross and Blue Shield of Montana, Mountain Health CO-OP and PacificSource Health Plans. Together they offer 39 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 $332 a month for a 21 year old, $424 at 40 and $901 at 60. In Missoula a couple both aged 40 pays $849 for the cheapest bronze, and two 40 year olds with two children pay $1,357. Catastrophic plans in Missoula, open only to people under 30 or with a hardship exemption, start at $248 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $671 a month for a 40 year old in Missoula County before subsidies. In Missoula it is $525 at age 21 and $1,426 at age 60, and the lowest silver plan is $656 at 40.
Which insurance companies are leaving Missoula County for 2027?
PacificSource is leaving the Montana individual market for 2027. In 2026 it sells 8 plans in Missoula County. Two carriers from the 2026 Missoula lineup remain: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO or a $0 deductible plan in Missoula County?
A PPO yes, a $0 deductible no. 22 of the 39 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 $681 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 2026 (public use file), Missoula County rows
- HealthCare.gov, Health plan information for individuals and families
- ACA Signups, Montana 2027 rate filings and carrier withdrawals
- healthinsurance.org, ACA open enrollment deadlines