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Marketplace health plans in Phillips 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, Phillips County, Montana has 16 Marketplace health plans from 2 insurers: 4 bronze, 5 silver, 5 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $884.76 per month; the lowest bronze premium is $611.60.
What changed vs 2026
- Benchmark silver premium up $168.42 a month (+23.5%) from 2026
- 14 fewer plans than 2026
- Insurers exited: PacificSource Health Plans
- Lowest bronze premium up $106.60 a month
Market snapshot
- Residents under 65
- 3,208
- Insurers
- 2
- Plans by metal level
- 4 bronze, 5 silver, 5 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $884.76/mo
- Lowest bronze premium, age 40, before subsidies
- $611.60/mo
- Lowest gold premium, age 40, before subsidies
- $850.32/mo
- Lowest silver deductible
- $3,100
- Lowest out-of-pocket maximum
- $7,000
Insurers in the county
- Blue Cross and Blue Shield of Montana — 9 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 | $480.46 | $12,000 | $12,000 | 2 |
| Bronze | Peak PPO Bronze Standard (32225MT0090012) | Mountain Health CO-OP | PPO | $611.60 | $7,500 | $12,000 | 4 |
| Silver | Peak PPO Silver Standard (32225MT0090011) | Mountain Health CO-OP | PPO | $860.48 | $6,400 | $10,300 | 5 |
| Gold | Blue Preferred Gold PPO℠ - Secure (30751MT0550045) | Blue Cross and Blue Shield of Montana | PPO | $850.32 | $1,800 | $7,800 | 5 |
One plan per metal level shown, of 16 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 |
|---|---|---|---|---|---|
| $692.30 | $725.53 | $785.76 | $884.76 | $1,236.45 | $1,878.91 |
Nearby counties
Agent Tools
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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.