Health Insurance in Billings, Montana
Billings is the trade and medical hub for a huge stretch of Montana and northern Wyoming, and its economy reflects that: refineries, rail, ranch supply, trucking and construction. Many of the people in those fields are self-employed or work seasonal contracts. Frank Caballero holds a Montana license, works out of Tampa, and goes over coverage with Yellowstone County families by phone or on video. Montana has only two insurers selling individual plans, and finalized 2027 rates rise about 23 percent.
Billings at a glance
- Where Billings buys Marketplace plans: HealthCare.gov, the federal Marketplace
- Open enrollment for 2027 coverage: November 1, 2026 to January 15, 2027 (December 15 for a January 1 start)
- Montana 2027 average rate change: 22.6% to 23.3% (finalized)
- Private plans: Any month, if approved
Who I help in Billings
Refinery and pipeline contractors, ranchers and hay producers, rail and equipment mechanics, truck owner-operators, electricians and home builders, hunting and fishing outfitters, real estate agents, restaurant owners, and families who drive in from smaller towns for care.
What to watch when choosing a plan here
With two insurers, the 2027 decision in Billings often comes down to two networks. Because so many people drive long distances to reach a hospital here, look up the regional referral centers you would use, not only the nearest clinic. Families in Laurel, Red Lodge or Hardin should make sure the plan is sold where they live, and anyone who sees specialists in Wyoming should check that too.
Private plans and the Marketplace
Billings households buy Marketplace plans through HealthCare.gov. For 2027 the subsidy stops at 400% of the federal poverty level, $63,840 for one person and $132,000 for a family of four, and above that line every plan is full price. More on Montana's numbers is on the Montana 2027 premium increase page.
A private, medically underwritten plan is priced on age, ZIP code and health instead of income. You answer health questions, approval depends on them, benefits vary by plan, and private plans are not ACA Marketplace plans. If approved, one can start the first of any month, so it does not wait for open enrollment.
Areas served
Laurel · Lockwood · Shepherd · Huntley · Billings Heights · West End · Red Lodge, all by phone or video in English or Spanish.
Compare Billings plans
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
Billings questions
What is behind the Billings rate jump for 2027?
Montana's individual market faces a finalized jump near 23 percent, one of the largest Frank sees anywhere he is licensed, and small-group renewals climb about 18 percent. Montana's reinsurance program, approved through 2029, helps, but it did not prevent a large jump.
Does Montana let Billings workers continue a small employer's coverage?
Usually not. Montana has no general continuation law for people who leave a small employer. Its law only lets a worker whose hours drop below the plan's minimum keep group coverage for up to a year, with the employer's consent.
Should Billings ranchers price private coverage?
For healthy ranchers and contractors over the subsidy line, often yes. Private plans are approved based on health questions, stand apart from the Marketplace, and vary in what they cover, but against a 23 percent increase they are worth pricing. Frank reviews both with you by phone.
More for Montana
Frank Caballero, licensed health insurance broker in Montana and 30 other states, NPN 21032307. Based in Tampa, serving Billings by phone or video. FC Insurance Solutions is independent and not affiliated with any government agency.