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Marketplace health plans in Lincoln 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, Lincoln County, Montana has 30 Marketplace health plans from 3 insurers: 10 bronze, 9 silver, 9 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $716.34 per month; the lowest bronze premium is $505.
What changed vs 2025
- Benchmark silver premium up $112.75 a month (+18.7%) from 2025
- Lowest bronze premium up $66.73 a month
Market snapshot
- Residents under 65
- 14,793
- Insurers
- 3
- Plans by metal level
- 10 bronze, 9 silver, 9 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $716.34/mo
- Lowest bronze premium, age 40, before subsidies
- $505/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
- Mountain Health CO-OP — 12 plans (Catastrophic, Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Montana — 10 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 | $313.41 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Core Bronze HSA 10600 (23603MT0380002) | PacificSource Health Plans | EPO | $505 | $10,600 | $10,600 | 10 |
|---|
| Silver | Plus Silver Standard (32225MT0060009) | Mountain Health CO-OP | PPO | $708.14 | $6,000 | $8,900 | 9 |
|---|
| Gold | Core Gold 1500 (23603MT0380008) | PacificSource Health Plans | EPO | $745 | $1,500 | $7,500 | 9 |
|---|
One plan per metal level shown, of 30 plans in the county.
Benchmark silver premium by age
The benchmark plan (Mountain Health CO-OP) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $560.52 | $587.42 | $636.19 | $716.34 | $1,001.08 | $1,521.24 |
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.