Montana open enrollment 2027 Open enrollment · Montana

Montana Open Enrollment 2027 for Individuals

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For individuals and couples buying their own coverage in Montana, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. A private, medically underwritten plan works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

What 2027 looks like for you

Montana's average 2027 rate change is 22.6% to 23.3% (finalized). The details are on the Montana 2027 premium increase page.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Montana this year

Montana's 2027 choice often comes down to two networks, since only two insurers filed, and approved rates are up roughly 23 percent. Long drives to hospitals in Billings, Missoula, Bozeman and Great Falls mean the network decision can outweigh a few dollars of premium. A state reinsurance program, approved through 2029, helps but did not stop a large jump. Montanans enroll on HealthCare.gov. Remote workers who moved to Bozeman or the Flathead and earn above $63,840 on their own get no subsidy and pay the full increase on top of an already narrow set of options.

One thing to do before you choose

If you live an hour or more from a hospital, check which regional referral center each plan includes, not only the nearest clinic, since air ambulance bills are a known problem here. Then, for anyone in good health earning past the subsidy line, a private plan is worth pricing against the 23 percent jump. It is not ACA coverage, acceptance depends on how you answer the health questions, and benefits vary.

Your checklist

Each plan's network type in your Montana ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

Compare Montana plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Montana. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Montana?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

I'm a summer river guide in Missoula with almost no winter income. How should I estimate 2027?

Build the estimate from the whole year, adding the busy season and the quiet months together, not from one strong summer paycheck. That annual figure decides whether you fall under the one-person subsidy line of $63,840. If your income changes during the year, update the HealthCare.gov application.

Can I get a private plan in Montana after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Montana

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Montana and 30 other states, NPN 21032307. Last updated November 3, 2026.