Montana open enrollment 2027 Open enrollment · Montana

Montana Open Enrollment 2027 for Marketplace Renewals

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

Short answer

For people renewing a Marketplace plan 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. Before you let the renewal go through, know that a private, medically underwritten plan is another option: if approved, it can start the first of any month.

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.

Unless you act, HealthCare.gov renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Montana this year

Only two insurers sell Montana Marketplace plans for 2027, and their finalized average increases run about 22.6 to 23.3 percent. Distance shapes everything here. The nearest in-network hospital can be an hour or more away, and air ambulance bills are a known problem. Bozeman and the Flathead have filled with remote workers and builders, while ranching families, short-season outfitters and Bakken oil and gas contractors fill out the rest. Anyone single over $63,840, or a couple over $86,560, pays full price now. Montanans renew on HealthCare.gov; choose by December 15 for January 1, with the window closing January 15, 2027.

One thing to do before you choose

Look at the network map before the premium. With two insurers, you really have two networks to compare, so check which one reaches the hospital and clinic you would use from home, and what each plan says about air ambulance. Then compare metal levels. If you are healthy and above the subsidy line, I can quote a private PPO with a broader network. It is not an ACA Marketplace plan, approval depends on health answers, and coverage can start on the first of a month if approved.

Your checklist

Your 2027 renewal notice, read line by line
Whether your plan is the same one or a replacement
Doctors and prescriptions in the 2027 plan
Last year's actual care, priced at each metal level

Private plan or Marketplace?

Private plan

Healthy and facing a big renewal: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a subsidy you still qualify for: stay with HealthCare.gov, but pick the 2027 plan yourself instead of auto-renewing.

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 moved to Bozeman to work remotely and my renewal kept my plan. Is there anything to check?

Yes. Confirm your Bozeman doctors and the hospital you would use are in the 2027 network, and check how the plan treats care when you travel outside Montana. If you still keep doctors in the state you came from, a local network may cover them only in emergencies. Update your expected earnings as well.

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.