- 2carriers selling 2027 marketplace plans in Yellowstone County
- 30plans on the Yellowstone shelf, from 9 bronze to 10 gold
- $731benchmark silver for a 40 year old in Yellowstone, full price per month
Who sells marketplace plans in Yellowstone County
Yellowstone County and Missoula 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 Yellowstone. Blue Cross and Blue Shield of Montana alone accounts for 17 of the 30 plans in Yellowstone, 57 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 | 13 | 4 | 4 | 4 | PPO 13 |
Yellowstone plan counts from the CMS 2027 landscape file (county FIPS 30111, Rating Area 1). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Yellowstone County for 2027
PacificSource Health Plans sold 8 of the 42 plans in Yellowstone 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. Yellowstone now has two carriers and 30 plans, against three carriers and 42 plans in 2026.
What it costs in Yellowstone County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Yellowstone 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 Yellowstone 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 | $378 | $484 | $1,027 | $967 | $1,546 |
| Lowest silver | $531 | $678 | $1,441 | $1,357 | $2,169 |
| Benchmark silver (second lowest) | $572 | $731 | $1,553 | $1,463 | $2,338 |
| Lowest gold | $503 | $643 | $1,366 | $1,287 | $2,057 |
Benchmark silver is the second lowest of the 8 silver premiums listed for Yellowstone. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Yellowstone County
The gold row is the surprise in Yellowstone County. The cheapest gold plan for a 40 year old, $643 a month, is $35 cheaper than the cheapest silver plan at $678. 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 Yellowstone shelf, and a gold deductible here tops out at $2,500.
In Yellowstone County the benchmark is $248 above the cheapest bronze at age 40, and 18 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 $731 benchmark minus what the government expects you to pay from your income. A 40 year old in Yellowstone whose expected share is $248 a month or less would pay nothing for the cheapest bronze. At 60 the Yellowstone gap grows to $526 and at 21 it shrinks to $194, which is why older enrollees are the ones most likely to find a $0 plan.
Missoula County, around Missoula, is the other Montana county I track. Compared with Missoula County, the Yellowstone benchmark is $140 lower at 40 and the cheapest bronze is $100 lower. The same two carriers sell in both, so moving between Yellowstone and Missoula changes the price you pay but not the companies you can pick from.
Yellowstone 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 | 8 | 0 | $5,000 to $9,000 |
| Silver | 8 | 0 | $3,100 to $9,000 |
| Gold | 10 | 0 | $1,200 to $2,500 |
| Total | 30 | 0 |
By network type the 30 Yellowstone plans break down as 22 PPO and 8 POS. PPOs are the majority here, 22 of the 30, 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 Yellowstone. No plan in Yellowstone has a $0 medical deductible for 2027.
Every Yellowstone price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Yellowstone the premium tax credit is measured against the $731 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Yellowstone numbers for you.
2027 plans for Yellowstone County
These are the 2027 plans and prices for Yellowstone 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 Yellowstone plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Yellowstone County coverage
How many health insurance companies sell marketplace plans in Yellowstone County, Montana?
For 2027, two carriers sell individual marketplace plans in Yellowstone County: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP. Together they offer 30 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Yellowstone County?
At full price before any subsidy, the cheapest bronze plan in Yellowstone County is $378 a month for a 21 year old, $484 at 40 and $1,027 at 60. In Yellowstone a couple both aged 40 pays $967 for the cheapest bronze, and two 40 year olds with two children pay $1,546. Catastrophic plans in Yellowstone, open only to people under 30 or with a hardship exemption, start at $375 at age 21. Most people in Yellowstone who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Yellowstone County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $731 a month for a 40 year old in Yellowstone County before subsidies. In Yellowstone it is $572 at age 21 and $1,553 at age 60, and the lowest silver plan is $678 at 40.
Which insurance companies left Yellowstone County for 2027?
PacificSource Health Plans sold 8 plans in Yellowstone 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 Yellowstone County?
A PPO yes, a $0 deductible no. 22 of the 30 plans in Yellowstone 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 Yellowstone is $643 a month before subsidies.
More for Yellowstone County residents
- Health insurance brokers in Montana, how to choose one and what it costs
- Every 2027 carrier change in Montana
- How Yellowstone compares with the other 78 counties and parishes I track
- Estimate a Yellowstone subsidy
Get your Yellowstone County quote
Send me your ZIP and who needs coverage and I will compare every Yellowstone 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), Yellowstone County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines