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Marketplace health plans in Missoula County, MT — 2027
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 2027, Missoula County, Montana has 24 Marketplace health plans from 2 insurers: 7 bronze, 6 silver, 8 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $871.18 per month; the lowest bronze premium is $583.62.
What changed vs 2026
- Benchmark silver premium up $199.81 a month (+29.8%) from 2026
- 15 fewer plans than 2026
- Insurers exited: PacificSource Health Plans
- Lowest bronze premium up $159.23 a month
Market snapshot
- Residents under 65
- 99,989
- Insurers
- 2
- Plans by metal level
- 7 bronze, 6 silver, 8 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $871.18/mo
- Lowest bronze premium, age 40, before subsidies
- $583.62/mo
- Lowest gold premium, age 40, before subsidies
- $777.64/mo
- Lowest silver deductible
- $3,100
- Lowest out-of-pocket maximum
- $7,000
Insurers in the county
- Blue Cross and Blue Shield of Montana — 17 plans (Catastrophic, Bronze, Silver, Gold)
- Mountain Health CO-OP — 7 plans (Catastrophic, 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 | $486.44 | $12,000 | $12,000 | 3 |
| Bronze | Blue Focus Bronze POS℠ - Balance HSA (30751MT0670017) | Blue Cross and Blue Shield of Montana | POS | $583.62 | $11,750 | $11,750 | 7 |
| Silver | Blue Focus Silver POS℠ - Standard (30751MT0670029) | Blue Cross and Blue Shield of Montana | POS | $818.56 | $6,400 | $10,300 | 6 |
| Gold | Blue Focus Gold POS℠ - Standard (30751MT0670023) | Blue Cross and Blue Shield of Montana | POS | $777.64 | $2,500 | $8,600 | 8 |
One plan per metal level shown, of 24 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 |
|---|---|---|---|---|---|
| $681.67 | $714.39 | $773.70 | $871.18 | $1,217.47 | $1,850.06 |
Nearby counties
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.