- 3carriers selling 2026 marketplace plans in Yellowstone County
- 42plans on the Yellowstone shelf, from 14 bronze to 13 gold
- $561benchmark 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, three each. Across all 79 counties and parishes I track in 24 states, 62 have more carriers than Yellowstone. Blue Cross and Blue Shield of Montana alone accounts for 19 of the 42 plans in Yellowstone, 45 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 | 15 | 5 | 4 | 5 | PPO 15 |
| PacificSource Health Plans Leaving for 2027 | 8 | 3 | 3 | 2 | EPO 8 |
Yellowstone plan counts from the CMS 2026 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.
Leaving Yellowstone County for 2027
PacificSource sells 8 of the 42 plans in Yellowstone County this year. PacificSource is leaving the Montana individual market for 2027. After that exit, two carriers are left from the 2026 Yellowstone lineup: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP. If you are enrolled with PacificSource in Yellowstone, 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 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 | $277 | $354 | $751 | $707 | $1,131 |
| Lowest silver | $431 | $551 | $1,169 | $1,101 | $1,760 |
| Benchmark silver (second lowest) | $439 | $561 | $1,192 | $1,123 | $1,795 |
| Lowest gold | $443 | $566 | $1,202 | $1,132 | $1,809 |
Benchmark silver is the second lowest of the 13 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
Yellowstone 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 $566, which is $4 above the benchmark silver and $15 above the cheapest silver. In Yellowstone the extra gold premium pays for a lower deductible rather than coming free.
In Yellowstone County the benchmark is $208 above the cheapest bronze at age 40, and 24 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 $561 benchmark minus what the government expects you to pay from your income. A 40 year old in Yellowstone whose expected share is $208 a month or less would pay nothing for the cheapest bronze. At 60 the Yellowstone gap grows to $441 and at 21 it shrinks to $163, 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 $110 lower at 40 and the cheapest bronze is $71 lower. The same three 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 | 2 | 0 | |
| Bronze | 2 | 0 | $10,600 to $10,600 |
| Expanded Bronze | 12 | 0 | $3,500 to $9,000 |
| Silver | 13 | 0 | $2,000 to $8,000 |
| Gold | 13 | 0 | $250 to $2,000 |
| Total | 42 | 0 |
By network type the 42 Yellowstone plans break down as 25 PPO, 9 POS and 8 EPO. PPOs are the majority here, 25 of the 42, 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 2026.
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 $561 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 2026 plans and prices for Yellowstone County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Yellowstone 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 Yellowstone County coverage
How many health insurance companies sell marketplace plans in Yellowstone County, Montana?
For 2026, three carriers sell individual marketplace plans in Yellowstone County: Blue Cross and Blue Shield of Montana, Mountain Health CO-OP and PacificSource Health Plans. Together they offer 42 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 $277 a month for a 21 year old, $354 at 40 and $751 at 60. In Yellowstone a couple both aged 40 pays $707 for the cheapest bronze, and two 40 year olds with two children pay $1,131. Catastrophic plans in Yellowstone, open only to people under 30 or with a hardship exemption, start at $244 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $561 a month for a 40 year old in Yellowstone County before subsidies. In Yellowstone it is $439 at age 21 and $1,192 at age 60, and the lowest silver plan is $551 at 40.
Which insurance companies are leaving Yellowstone County for 2027?
PacificSource is leaving the Montana individual market for 2027. In 2026 it sells 8 plans in Yellowstone County. Two carriers from the 2026 Yellowstone 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 Yellowstone County?
A PPO yes, a $0 deductible no. 25 of the 42 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 $566 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 2026 (public use file), Yellowstone 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