What health insurance costs without a subsidy in Missoula County, Montana (2026)

Cost by age (2026, before subsidy)

• Age 21 — starting at $248.12/mo
• Age 40 — starting at $317.10/mo
• Age 60 — starting at $673.40/mo

Cost by metal level (age 40, 2026)

• Bronze — starting at $424.39/mo
• Silver — starting at $655.91/mo
• Gold — starting at $681.21/mo

Deductibles & out-of-pocket (2026)

• Deductibles range from $250 to $10,600
• Highest out-of-pocket maximum on file: $10,600

Who sells plans here

Blue Cross and Blue Shield of Montana, Mountain Health CO-OP, PacificSource Health Plans

The subsidy cliff

In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.

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Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

• CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Missoula County (FIPS 30063).
• HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
• Methodology — how we source, interpret, and label these figures.

Related counties in Montana

• Broadwater County — $757.00/mo benchmark
• Chouteau County — $757.00/mo benchmark
• Deer Lodge County — $757.00/mo benchmark
• Jefferson County — $757.00/mo benchmark
• Judith Basin County — $757.00/mo benchmark

All Montana counties →

Plans available in this county (39)

• Blue Focus Bronze POS℠ 705 — Bronze · $424.39/mo @ 40
• Core Bronze HSA 10600 — Bronze · $500.00/mo @ 40
• Peak PPO Catastrophic — Catastrophic · $317.10/mo @ 40
• Blue Preferred Security PPO℠ 200 — Catastrophic · $601.45/mo @ 40
• Blue Focus Bronze POS℠ Standard — Expanded Bronze · $457.64/mo @ 40
• Blue Focus Bronze POS℠ 205 — Expanded Bronze · $489.79/mo @ 40
• Plus Bronze — Expanded Bronze · $528.96/mo @ 40
• Plus Bronze Standard — Expanded Bronze · $529.14/mo @ 40
• Core Bronze HSA 8300 — Expanded Bronze · $530.00/mo @ 40
• Peak PPO Bronze Standard — Expanded Bronze · $534.88/mo @ 40
• Peak PPO Bronze HDHP — Expanded Bronze · $542.83/mo @ 40
• Core Standard Expanded Bronze HSA — Expanded Bronze · $564.00/mo @ 40
• Blue Preferred Bronze PPO℠ 201 — Expanded Bronze · $599.64/mo @ 40
• Blue Preferred Bronze PPO℠ Standard — Expanded Bronze · $629.07/mo @ 40
• Blue Preferred Bronze PPO℠ 202 — Expanded Bronze · $672.88/mo @ 40
• Blue Focus Gold POS℠ 207 — Gold · $681.21/mo @ 40
• Blue Focus Gold POS℠ Standard — Gold · $683.68/mo @ 40
• Blue Focus Gold POS℠ 902 — Gold · $694.70/mo @ 40
• Core Gold 1500 — Gold · $738.00/mo @ 40
• Core Standard Gold — Gold · $764.00/mo @ 40
• Plus Gold — Gold · $802.33/mo @ 40
• Plus Gold Standard — Gold · $803.94/mo @ 40
• Peak PPO Gold — Gold · $812.33/mo @ 40
• Peak PPO Gold Standard — Gold · $815.22/mo @ 40
• Blue Preferred Gold PPO℠ 204 — Gold · $842.14/mo @ 40
• Blue Preferred Gold PPO℠ 901 — Gold · $854.00/mo @ 40
• Blue Preferred Gold PPO℠ Standard — Gold · $872.24/mo @ 40
• Blue Focus Silver POS℠ Standard — Silver · $655.91/mo @ 40
• Blue Focus Silver POS℠ 206 — Silver · $671.37/mo @ 40
• Blue Focus Silver POS℠ 903 — Silver · $687.54/mo @ 40
• Plus Silver Standard — Silver · $716.47/mo @ 40
• Peak PPO Silver Standard — Silver · $724.77/mo @ 40
• Peak PPO Silver — Silver · $729.95/mo @ 40
• Core Silver 5000 — Silver · $740.00/mo @ 40
• Core Standard Silver — Silver · $749.00/mo @ 40
• Core Silver 3500 — Silver · $794.00/mo @ 40
• Blue Preferred Silver PPO℠ 203 — Silver · $859.17/mo @ 40
• Blue Preferred Silver PPO℠ Standard — Silver · $879.86/mo @ 40
• Blue Preferred Silver PPO℠ 308 — Silver · $902.68/mo @ 40