Montana open enrollment 2027 Open enrollment · Montana

Montana Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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.

The 2027 subsidy line is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Montana is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Montana this year

Montana has only two insurers on the Marketplace for 2027, and average rates are up a final 22.6% to 23.3%. For a household above the subsidy line, that's the entire increase with nothing to soften it. Remote tech workers who moved to Bozeman or the Flathead Valley often land in this group, along with builders riding the construction boom there, Bakken oil and gas consultants, and ranching families after a strong cattle year. Distance shapes everything here, since the nearest in-network hospital can be an hour or more away. HealthCare.gov handles enrollment: choose by December 15 for January 1, and no later than January 15, 2027.

One thing to do before you choose

If you moved to Montana for remote work, look at your income and your network with fresh eyes. A salary from a coastal employer can put one person far above $63,840, which makes every Marketplace plan full price. Ask how each plan handles care if you're traveling back to see family. Then compare a private plan. It's priced on age, ZIP code and health, approval depends on your health answers, and benefits vary by plan. With just two Marketplace insurers, a third option is worth seeing.

Your checklist

How far above the line your 2027 household income will land
The full-price Montana premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

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.

We ranch outside Billings. What should we check besides the premium?

How far you'd drive to each plan's in-network hospitals, and what the plan does about emergency transport. Out here, a helicopter or fixed-wing transport can produce a surprise bill. At full price, a Marketplace plan and a private plan both have to earn their premium, so I compare networks and transport coverage first, then cost.

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.