AHiX offers affordable Montana health insurance for individuals, families, and businesses. Explore marketplace options and compare plans easily!
The Montana health coverage marketplace helps individuals, families, and small businesses find affordable coverage. It offers Montana health plans with key benefits like doctor visits, preventive care, and prescriptions. You can compare options, check subsidy eligibility, and enroll during open enrollment. It’s a simple way to explore affordable health insurance plans in Montana that meet your needs.
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Choosing the best health insurance in Montana starts with knowing what matters most to you. Whether you’re looking for individual, family, or short-term health insurance, understanding your needs can help you find a plan that offers both coverage and value. Here are key factors to guide your decision:
Think about the medical services you use most. Do you visit doctors regularly, need specialist care, or take prescription drugs? Pick a Montana health plan that matches your typical healthcare usage.
Review both your monthly premiums and out-of-pocket costs. A lower premium might look appealing, but a plan with a higher premium could be more affordable overall if you use health services frequently.
Check that your preferred doctors, clinics, and hospitals are included in the plan’s network. In-network providers help reduce your costs and avoid unexpected bills.
Some Montana health insurance plans include additional perks like wellness programs, virtual doctor visits (telemedicine), or mental health support—features that can boost both value and convenience.
These Montana Health Coverage Options can help cover individual, family, and short term healthcare costs.
Montana individual health insurance is for individuals seeking comprehensive health coverage. You can obtain insurance through various sources such as private exchanges like the AHiX Marketplace, directly from insurance companies, HealthCare.gov , your employer, or government programs like Medicare or Medicaid. With the expansion of Montana’s Medicaid program, individuals under the age of 65 earning up to 138% of the federal poverty level may qualify for coverage.
For ACA qualified plans, individuals can expect these avrage costs of premiums in Montana (Age 40, Zip code 59001):
Single adult
Married Couple
Alternatively, non-qualified plans can provide substantial coverage with varying limits and often lower costs. These plans may be a good option for individuals seeking more affordable coverage with fewer restrictions. Find the right coverage that fits your healthcare needs and budget today!
Montana family health insurance offers comprehensive coverage for families, including at least one spouse and dependents. You can purchase plans through private exchanges like the AHiX Marketplace, directly from insurance providers, or through employer-sponsored options. While Medicare is intended for individuals aged 65 and older and not suitable for families, those earning less than 138% of the federal poverty level (e.g., $42,338 for a family of 5) may qualify for Medicaid under Montana’s Medicaid Expansion. For ACA-qualified plans, average premiums vary by family size.
Here are the avrage costs of premiums for Montana families (Age 40) with children under 26 years old:
A married couple with one child
A married couple with two children
A married couple with three children
Alternatively, non-qualified plans offer lower premiums and can provide coverage tailored to specific needs. Compare and choose the best options for affordable health insurance in Montana for your family.
Short-term health insurance is a type of non-qualified coverage that provides temporary protection while you transition to an employer-sponsored or qualified health plan. In Montana, new federal rules, effective September 1, 2024, limit short-term health plans to a maximum of four months, including renewals, with initial terms capped at three months. These plans are a more affordable health insurance option for those needing quick, temporary coverage. The AHiX Marketplace makes it simple to enroll online, offering access to multiple short-term medical carriers in Montana. Explore your options today for temporary coverage in Montana that fits your needs!
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ | $$$$ | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ | $ | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
When enrolling in a health insurance plan in Montana, it’s important to understand what out-of-pocket costs may apply. While your monthly premium gives you access to medical coverage, you may still be responsible for certain healthcare costs.
A deductible is the amount you must pay before your health insurance begins covering costs. It resets each plan year. Some services may be covered before meeting the deductible.
A copay is a fixed fee you pay for a doctor visit, prescription, or procedure. It’s typically required after meeting your health insurance deductible.
This is the most you’ll pay in a year for deductibles, copays, and coinsurance. Once you reach this amount, your plan covers 100% of covered medical costs.
Coinsurance is the percentage you pay for care after meeting your deductible. Your health plan covers the rest of the approved amount.
Consider the following statistics about healthcare coverage in Montana:
Total Montana Population
Uninsured Montana Residents
Montana HMO Enrollment
Annual Employee Premium in Montana
Hospital Costs in Montana before Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
Explore Health Plans
Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses, and makes essential health services affordable and accessible for everyone.
Browse Dental Plans
Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.
Find Short-Term Health PlansIn Montana, you can choose from individual and family plans, employer-sponsored coverage, short-term health insurance, and government programs like Medicaid and Medicare. At AHiX, we also offer access to ACA-qualified and non-qualified plans to meet diverse needs.
Finding the right Montana health insurance plans with AHiX. Explore affordable individual, family, or short-term plans through Montana insurance. Contact us for expert help today!
