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Marketplace health plans in Gallatin County, MT — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Gallatin County, Montana has 39 Marketplace health plans from 3 insurers: 13 bronze, 12 silver, 12 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $748 per month; the lowest bronze premium is $479.30.
What changed vs 2025
- Benchmark silver premium up $184.41 a month (+32.7%) from 2025
- Lowest bronze premium up $110.23 a month
Market snapshot
- Residents under 65
- 107,209
- Insurers
- 3
- Plans by metal level
- 13 bronze, 12 silver, 12 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $748/mo
- Lowest bronze premium, age 40, before subsidies
- $479.30/mo
- Lowest gold premium, age 40, before subsidies
- $745/mo
- Lowest silver deductible
- $2,000
- Lowest out-of-pocket maximum
- $7,000
Insurers in the county
- Blue Cross and Blue Shield of Montana — 19 plans (Catastrophic, Bronze, Silver, Gold)
- Mountain Health CO-OP — 12 plans (Catastrophic, Bronze, Silver, Gold)
- PacificSource Health Plans — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | Peak PPO Catastrophic (32225MT0090006) | Mountain Health CO-OP | PPO | $356.99 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Blue Focus Bronze POS℠ 705 (30751MT0670016) | Blue Cross and Blue Shield of Montana | POS | $479.30 | $10,600 | $10,600 | 13 |
|---|
| Silver | Blue Focus Silver POS℠ Standard (30751MT0670028) | Blue Cross and Blue Shield of Montana | POS | $739.35 | $6,000 | $8,900 | 12 |
|---|
| Gold | Core Gold 1500 (23603MT0380008) | PacificSource Health Plans | EPO | $745 | $1,500 | $7,500 | 12 |
|---|
One plan per metal level shown, of 39 plans in the county.
Benchmark silver premium by age
The benchmark plan (PacificSource Health Plans) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $585 | $613 | $664 | $748 | $1,045 | $1,588 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.