# What ACA marketplace plans are available in Lake County, Montana in 2027?

Lake County, Montana has 21 ACA marketplace plans from 2 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $584 to $1,025 and a benchmark (second-lowest-cost silver) plan at $871 per month, before any premium tax credit, per HealthCare.gov plan data. To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

_Last updated 2026-11-01 · Published by Private Health Insurance Direct Answers · Updated November 1, 2026 with 2027 plan data from HealthCare.gov_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ - Balance HSA | Bronze | $583.62 | $11,750 | $11,750 |
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ - Standard HSA | Bronze | $603.16 | $7,500 | $12,000 |
| Mountain Health CO-OP | Peak PPO Bronze Standard | Bronze | $619.21 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Montana | Blue Focus Bronze POS℠ - Champion HSA | Bronze | $620.58 | $5,000 | $11,100 |
| Mountain Health CO-OP | Peak PPO Bronze HDHP | Bronze | $635.96 | $9,000 | $9,000 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Bronze PPO℠ - Support HSA | Bronze | $720.34 | $8,000 | $12,000 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Bronze PPO℠ - Standard HSA | Bronze | $741.21 | $7,500 | $12,000 |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ - Standard | Gold | $777.64 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ - Secure | Gold | $778.62 | $1,800 | $7,800 |
| Blue Cross and Blue Shield of Montana | Blue Focus Gold POS℠ - Champion | Gold | $809.49 | $1,200 | $9,200 |
| Blue Cross and Blue Shield of Montana | Blue Focus Silver POS℠ - Standard | Silver | $818.56 | $6,400 | $10,300 |
| Mountain Health CO-OP | Peak PPO Silver Standard | Silver | $871.18 | $6,400 | $10,300 |
| Mountain Health CO-OP | Peak PPO Silver | Silver | $895.77 | $9,000 | $10,000 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ - Secure | Gold | $922.42 | $1,800 | $7,800 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ - Standard | Gold | $923.21 | $2,500 | $8,600 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Gold PPO℠ - Balance | Gold | $927.18 | $2,500 | $8,600 |
| Mountain Health CO-OP | Peak PPO Gold Standard | Gold | $932.10 | $2,500 | $8,600 |
| Mountain Health CO-OP | Peak PPO Gold | Gold | $934.65 | $2,000 | $7,000 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Silver PPO℠ - Balance | Silver | $986.12 | $7,000 | $10,700 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Silver PPO℠ - Standard | Silver | $1,002.53 | $6,400 | $10,300 |
| Blue Cross and Blue Shield of Montana | Blue Preferred Silver PPO℠ - Champion | Silver | $1,025.24 | $3,100 | $10,750 |

Premiums are full price for one 40-year-old non-smoker, before any premium tax credit.

## Questions about 2027 plans in Lake County

### How many ACA plans are available in Lake County for 2027?

Lake County, Montana has 21 ACA marketplace plans from 2 insurers for 2027, per HealthCare.gov plan data.

### What is the 2027 benchmark (second-lowest-cost silver) premium in Lake County?

The 2027 benchmark (second-lowest-cost silver) premium in Lake County is $871 per month for a 40-year-old before tax credits.

### What is the cheapest 2027 plan in Lake County?

The cheapest 2027 plan in Lake County is Blue Focus Bronze POS℠ - Balance HSA from Blue Cross and Blue Shield of Montana, a Bronze plan at $584 per month for a 40-year-old before tax credits.

### When is Open Enrollment for 2027 coverage?

In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.

### How do I get help choosing or enrolling?

To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555. You can also enroll yourself at HealthCare.gov.

## Sources

- HealthCare.gov plan data (CMS Marketplace API) — https://www.healthcare.gov/see-plans/ (retrieved 2026-11-12)
- HealthCare.gov — https://www.healthcare.gov

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Updated: 2026-11-01T00:00:00.000Z
Published by: Private Health Insurance Direct Answers
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