Health insurance plans in Missoula County, MT (2026)
42 marketplace plans from 3 insurers are offered in Missoula County. The cheapest silver plan is $604 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $424 | 14 |
| Silver | $604 | 13 |
| Gold | $681 | 13 |
| Catastrophic | $312 | 2 |
All plans in Missoula County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Mountain Health CO-OP | Peak PPO Catastrophic | Catastrophic | PPO | — | — | $312 |
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ 705 | Bronze | POS | — | — | $424 |
| Mountain Health CO-OP | Rocky Mountain Bronze Standard | Bronze | PPO | — | — | $445 |
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ Standard | Bronze | POS | — | — | $458 |
| PacificSource Health Plans | Core Bronze HSA 10600 | Bronze | EPO | — | — | $470 |
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ 205 | Bronze | POS | — | — | $490 |
| PacificSource Health Plans | Core Bronze HSA 8300 | Bronze | EPO | — | — | $498 |
| Mountain Health CO-OP | Plus Bronze | Bronze | PPO | — | — | $521 |
| Mountain Health CO-OP | Plus Bronze Standard | Bronze | PPO | — | — | $521 |
| Mountain Health CO-OP | Peak PPO Bronze Standard | Bronze | PPO | — | — | $527 |
| PacificSource Health Plans | Core Standard Expanded Bronze HSA | Bronze | EPO | — | — | $530 |
| Mountain Health CO-OP | Peak PPO Bronze HDHP | Bronze | PPO | — | — | $535 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Bronze PPO℠ 201 | Bronze | PPO | — | — | $600 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Security PPO℠ 200 | Catastrophic | PPO | — | — | $601 |
| Mountain Health CO-OP | Rocky Mountain Silver Standard | Silver | PPO | — | — | $604 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Bronze PPO℠ Standard | Bronze | PPO | — | — | $629 |
| Blue Cross and Blue Shield of Montana | Blue Focus Silver POS℠ Standard | Silver | POS | — | — | $656 |
| Blue Cross and Blue Shield of Montana | Blue Focus Silver POS℠ 206 | Silver | POS | — | — | $671 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Bronze PPO℠ 202 | Bronze | PPO | — | — | $673 |
| Mountain Health CO-OP | Rocky Mountain Gold Standard | Gold | PPO | — | — | $681 |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ 207 | Gold | POS | — | — | $681 |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ Standard | Gold | POS | — | — | $684 |
| Blue Cross and Blue Shield of Montana | Blue Focus Silver POS℠ 903 | Silver | POS | $7,250 | — | $688 |
| PacificSource Health Plans | Core Gold 1500 | Gold | EPO | — | — | $694 |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ 902 | Gold | POS | — | — | $695 |
| PacificSource Health Plans | Core Silver 5000 | Silver | EPO | — | — | $696 |
| PacificSource Health Plans | Core Standard Silver | Silver | EPO | — | — | $704 |
| Mountain Health CO-OP | Plus Silver Standard | Silver | PPO | — | — | $706 |
| Mountain Health CO-OP | Peak PPO Silver Standard | Silver | PPO | — | — | $714 |
| PacificSource Health Plans | Core Standard Gold | Gold | EPO | — | — | $719 |
| Mountain Health CO-OP | Peak PPO Silver | Silver | PPO | — | — | $719 |
| PacificSource Health Plans | Core Silver 3500 | Silver | EPO | — | — | $746 |
| Mountain Health CO-OP | Plus Gold | Gold | PPO | — | — | $790 |
| Mountain Health CO-OP | Plus Gold Standard | Gold | PPO | — | — | $792 |
| Mountain Health CO-OP | Peak PPO Gold | Gold | PPO | — | — | $800 |
| Mountain Health CO-OP | Peak PPO Gold Standard | Gold | PPO | — | — | $803 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ 204 | Gold | PPO | $1,500 | — | $842 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ 901 | Gold | PPO | — | — | $854 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Silver PPO℠ 203 | Silver | PPO | — | — | $859 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ Standard | Gold | PPO | — | — | $872 |
Showing 40 of 42 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $473 |
| 40 | $604 |
| 60 | $1,283 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Montana · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Missoula County County?
The cheapest plan for a 40-year-old non-smoker is $312 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $604.
How much does health insurance cost in Missoula County County?
For a 40-year-old non-smoker the cheapest plans in Missoula County start around $312 a month before subsidies. Silver plans cost from $604; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Missoula County County?
3 insurers filed 42 plan options for this county in the 2026 CMS file.