What health insurance costs without a subsidy in Phillips County, Montana (2026)
In Phillips County, Montana, the benchmark silver plan costs $716.34/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $313.41 to $831.76. A 60-year-old pays at least $665.57/month, a 21-year-old at least $245.24. 3 insurers offer 30 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $245.24/mo
- Age 40 — starting at $313.41/mo
- Age 60 — starting at $665.57/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $505.00/mo
- Silver — starting at $708.14/mo
- Gold — starting at $745.00/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $1,400 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.
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 Phillips County (FIPS 30071).
- 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
Plans available in this county (30)
- Core Bronze HSA 10600 — Bronze · $505.00/mo @ 40
- Peak PPO Catastrophic — Catastrophic · $313.41/mo @ 40
- Blue Preferred Security PPO℠ 200 — Catastrophic · $555.65/mo @ 40
- Plus Bronze — Expanded Bronze · $522.81/mo @ 40
- Plus Bronze Standard — Expanded Bronze · $522.99/mo @ 40
- Peak PPO Bronze Standard — Expanded Bronze · $528.66/mo @ 40
- Core Bronze HSA 8300 — Expanded Bronze · $535.00/mo @ 40
- Peak PPO Bronze HDHP — Expanded Bronze · $536.52/mo @ 40
- Blue Preferred Bronze PPO℠ 201 — Expanded Bronze · $554.01/mo @ 40
- Core Standard Expanded Bronze HSA — Expanded Bronze · $570.00/mo @ 40
- Blue Preferred Bronze PPO℠ Standard — Expanded Bronze · $581.21/mo @ 40
- Blue Preferred Bronze PPO℠ 202 — Expanded Bronze · $621.02/mo @ 40
- Core Gold 1500 — Gold · $745.00/mo @ 40
- Core Standard Gold — Gold · $772.00/mo @ 40
- Blue Preferred Gold PPO℠ 204 — Gold · $775.46/mo @ 40
- Blue Preferred Gold PPO℠ 901 — Gold · $786.85/mo @ 40
- Plus Gold — Gold · $793.00/mo @ 40
- Plus Gold Standard — Gold · $794.59/mo @ 40
- Peak PPO Gold — Gold · $802.89/mo @ 40
- Blue Preferred Gold PPO℠ Standard — Gold · $803.39/mo @ 40
- Peak PPO Gold Standard — Gold · $805.74/mo @ 40
- Plus Silver Standard — Silver · $708.14/mo @ 40
- Peak PPO Silver Standard — Silver · $716.34/mo @ 40
- Peak PPO Silver — Silver · $721.46/mo @ 40
- Core Silver 5000 — Silver · $748.00/mo @ 40
- Core Standard Silver — Silver · $757.00/mo @ 40
- Blue Preferred Silver PPO℠ 203 — Silver · $792.97/mo @ 40
- Core Silver 3500 — Silver · $802.00/mo @ 40
- Blue Preferred Silver PPO℠ Standard — Silver · $811.48/mo @ 40
- Blue Preferred Silver PPO℠ 308 — Silver · $831.76/mo @ 40
Reviewed by Jason Burns, Editorial Steward.