AHiX offers affordable Montana health insurance for individuals, families, and businesses. Explore marketplace options and compare plans easily!
The Montana health coverage marketplace helps individuals, families, and small businesses find affordable coverage. It offers Montana health plans with key benefits like doctor visits, preventive care, and prescriptions. You can compare options, check subsidy eligibility, and enroll during open enrollment. It’s a simple way to explore affordable health insurance plans in Montana that meet your needs.
In Montana, you can sign up for qualified health plans (QHP) through the Federally-facilitated Marketplace (FFM). You can enroll either on HealthCare.gov or through a private exchange like AHiX Marketplace. The great thing about AHiX is that you can shop for the same qualified plans available on HealthCare.gov, but you’ll also find non-qualified plans and extra coverage options that aren’t available on the government website.
If you’re considering other options, Montana residents can also look into non-qualified alternatives, such as temporary health insurance. And if you decide to go without health coverage, don’t worry Montana doesn’t have an individual mandate, so you won’t face any penalties for being uninsured.
Qualified plans meet the requirements of the Affordable Care Act (ACA) and cover the ten Essential Health Benefits . These benefits ensure that specific healthcare costs are covered, no matter your age, gender, location, or lifestyle. With a qualified plan, you’re guaranteed to get the right coverage for essential health needs.
Non-qualified plans are more affordable options for individuals and families. However, these plans don’t meet the federal government’s health insurance rules and may not cover essential services like maternity care, mental health, substance abuse treatment, or pre-existing conditions. While they can save you money, it’s important to understand the limitations of non-qualified plans.
These Montana Health Coverage Options can help cover individual, family, and short term healthcare costs.
Browse our options to compare plans and choose the health insurance that suits your needs.
You’ll pay the same as buying directly from trusted insurers, with no hidden fees involved.
Reach out anytime via chat, email, or phone for assistance from our dedicated support team.
Montana individual health insurance is for individuals seeking comprehensive health coverage. You can obtain insurance through various sources such as private exchanges like the AHiX Marketplace, directly from insurance companies, HealthCare.gov , your employer, or government programs like Medicare or Medicaid. With the expansion of Montana’s Medicaid program, individuals under the age of 65 earning up to 138% of the federal poverty level may qualify for coverage.
For ACA qualified plans, individuals can expect these avrage costs of premiums in Montana (Age 40, Zip code 59001):
Single adult
Married Couple
Alternatively, non-qualified plans can provide substantial coverage with varying limits and often lower costs. These plans may be a good option for individuals seeking more affordable coverage with fewer restrictions. Find the right coverage that fits your healthcare needs and budget today!
Montana family health insurance offers comprehensive coverage for families, including at least one spouse and dependents. You can purchase plans through private exchanges like the AHiX Marketplace, directly from insurance providers, or through employer-sponsored options. While Medicare is intended for individuals aged 65 and older and not suitable for families, those earning less than 138% of the federal poverty level (e.g., $42,338 for a family of 5) may qualify for Medicaid under Montana’s Medicaid Expansion. For ACA-qualified plans, average premiums vary by family size.
Here are the avrage costs of premiums for Montana families (Age 40) with children under 26 years old:
A married couple with one child
A married couple with two children
A married couple with three children
Alternatively, non-qualified plans offer lower premiums and can provide coverage tailored to specific needs. Compare and choose the best options for affordable health insurance in Montana for your family.
Short-term health insurance is a type of non-qualified coverage that provides temporary protection while you transition to an employer-sponsored or qualified health plan. In Montana, new federal rules, effective September 1, 2024, limit short-term health plans to a maximum of four months, including renewals, with initial terms capped at three months. These plans are a more affordable health insurance option for those needing quick, temporary coverage. The AHiX Marketplace makes it simple to enroll online, offering access to multiple short-term medical carriers in Montana. Explore your options today for temporary coverage in Montana that fits your needs!
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ (Lowest) | $$$$ (Highest) | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ (Highest) | $ (Lowest) | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
Consider the following statistics about healthcare coverage in Montana:
Total Montana Population
Uninsured Montana Residents
Montana HMO Enrollment
Annual Employee Premium in Montana
Hospital Costs in Montana before Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
Explore Health Plans
Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses, and makes essential health services affordable and accessible for everyone.
Browse Dental Plans
Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.
Find Short-Term Health PlansIn Montana, you can choose from individual and family plans, employer-sponsored coverage, short-term health insurance, and government programs like Medicaid and Medicare. At AHiX, we also offer access to ACA-qualified and non-qualified plans to meet diverse needs.
Finding the right Montana health insurance plans with AHiX. Explore affordable individual, family, or short-term plans through Montana insurance. Contact us for expert help today!
