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Medicare plans in Flathead County, MT — 2026
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2026, Flathead County, Montana has 36 Medicare plans (17 Medicare Advantage with drug coverage, 4 without, 11 standalone Part D, 4 Special Needs) from 7 carriers. 8 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $3,000.
Market snapshot
- Residents 65 and older
- 23,352
- Residents 60–64, aging in over the next five years
- 8,541
- Medicare eligibles
- 29,342
- Medicare Advantage penetration
- 34.6%
- Plans per 1,000 residents 65+
- 1.5
Carriers by number of plans
- Humana — 17 plans
- UnitedHealthcare — 7 plans
- Blue Cross and Blue Shield of Montana — 6 plans
- HealthSpring — 2 plans
- Wellcare — 2 plans
- Aetna Medicare — 1 plan
- MedicareBlue Rx — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| Humana Essentials Plus Giveback H7617-024 (PPO) (H7617-024-0) | Humana | MA-PD | PPO | $0 | $615 | $7,900 | 4.5 |
|---|
| Humana Value Choice H7617-030 (PPO) (H7617-030-0) | Humana | MA-PD | PPO | $0 | $400 | $6,050 | 4.5 |
|---|
| Humana Full Access H7617-026 (PPO) (H7617-026-0) | Humana | MA-PD | PPO | $29 | $615 | $5,500 | 4.5 |
|---|
| HumanaChoice SNP-DE H7617-036 (PPO D-SNP) (H7617-036-0) | Humana | SNP | PPO D-SNP | $41.50 | $615 | $9,250 | 4.5 |
|---|
| HumanaChoice SNP-DE H7617-037 (PPO D-SNP) (H7617-037-0) | Humana | SNP | PPO D-SNP | $41.50 | $615 | $9,250 | 4.5 |
|---|
| UHC Dual Complete MT-S001 (PPO D-SNP) (H2001-041-0) | UnitedHealthcare | SNP | PPO D-SNP | $41.50 | $615 | $9,250 | 4.5 |
|---|
| Blue Cross Medicare Advantage Choice Plus (PPO) (H0107-005-0) | Blue Cross and Blue Shield of Montana | MA-PD | PPO | $0 | $615 | $9,250 | 3.5 |
|---|
| Blue Cross Medicare Advantage Dental Premier (PPO) (H0107-007-0) | Blue Cross and Blue Shield of Montana | MA-PD | PPO | $0 | $615 | $8,100 | 3.5 |
|---|
| Blue Cross Medicare Advantage Health Choice (PPO) (H0107-010-0) | Blue Cross and Blue Shield of Montana | MA-PD | PPO | $0 | $615 | $6,750 | 3.5 |
|---|
| Humana Total Complete H6622-097 (HMO) (H6622-097-0) | Humana | MA-PD | HMO | $0 | $615 | $6,200 | 3.5 |
|---|
Showing 10 of 36 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2026; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS September 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.