ACA plans available
39
Plan year 2026
CMS Marketplace county · plan year 2026
Missoula, Montana ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $623
- Silver avg/mo
- 39
- ACA plans
- 3
- Issuers
- +19.9%
- YoY premium
Silver avg $623/mo
Missoula, Montana has 39 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $623/mo; Bronze averages $442/mo and Gold $640/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1137 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $551/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Missoula, Montana ranks #1,137 of 2,055 counties by listed Silver average ($623/mo) and #1,246 of 2,055 by plan count (39 plans).
- #1,137 of 2,055
- Silver average among 2,055 counties
- $623
- Listed Silver average /mo
- #1,246 of 2,055
- Plan count among 2,055 counties
- 39
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Missoula, Montana offers 39 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $348/mo and Silver plans start at $538/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$623
Avg Silver Premium/mo
$551
Benchmark Premium/mo
+19.9%
Year-over-Year Change
$5,247
Avg Deductible
Mid-pack marketplace
Missoula marketplace standing
39 plans from 3 issuers for plan year 2026. Corpus place #1137 of 2055 (highest Silver = #1).
Mid-pack Silver avg $623/mo with 39 plans . YoY average shift: +19.9%. PPO is the most common network type in Missoula, with POS and EPO rounding out the alternatives.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
13 plans$442/mo avg
$348 - $552
Silver
12 plans$623/mo avg
$538 - $740
Gold
12 plans$640/mo avg
$559 - $715
Catastrophic plan available: avg $377/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Missoula is $551/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference.
Issuers in market
3
Some competition
Benchmark Silver
$551 /mo
Sets your subsidy ceiling
Avg deductible
$5,247
Across all metal tiers
D
Marketplace Access Score
42/100
Missoula
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability C
$551/mo
Benchmark Silver premium; rank #1137 of 2055 tracked counties (cheapest first)
Plan Choice F
39 plans
ACA marketplace plan count; rank #1246 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1374 of 2055 tracked counties (most first)
Cost Predictability F
$5,247
Average deductible across tracked plans; rank #660 of 2055 tracked counties (lowest first)
Missoula ACA plans by premium and deductible
Each marker is the Missoula average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Missoula ACA marketplace plans: premium vs deductible
How Missoula's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Missoula vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$623 1137th of 2055 higher than 918 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Missoula
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross and Blue Shield of Montana | 19 | $568/mo |
| Mountain Health CO-OP | 12 | $537/mo |
| PacificSource Health Plans | 8 | $551/mo |
All Plans in Missoula
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Peak PPO Catastrophic Mountain Health CO-OP | Catastrophic | PPO | $260.03 | $317.10 | $10,600 | $10,600 |
| Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Montana | Catastrophic | PPO | $493.21 | $601.45 | $10,600 | $10,600 |
| Blue Focus Bronze POS℠ 705 Blue Cross and Blue Shield of Montana | Bronze | POS | $348.01 | $424.39 | $10,600 | $10,600 |
| Core Bronze HSA 10600 PacificSource Health Plans | Bronze | EPO | $410.00 | $500.00 | $10,600 | $10,600 |
| Blue Focus Bronze POS℠ Standard Blue Cross and Blue Shield of Montana | Expanded Bronze | POS | $375.28 | $457.64 | $7,500 | $10,000 |
| Blue Focus Bronze POS℠ 205 Blue Cross and Blue Shield of Montana | Expanded Bronze | POS | $401.65 | $489.79 | $3,500 | $9,950 |
| Plus Bronze Mountain Health CO-OP | Expanded Bronze | PPO | $433.76 | $528.96 | $9,000 | $10,150 |
| Plus Bronze Standard Mountain Health CO-OP | Expanded Bronze | PPO | $433.91 | $529.14 | $7,500 | $10,000 |
| Core Bronze HSA 8300 PacificSource Health Plans | Expanded Bronze | EPO | $434.00 | $530.00 | $8,300 | $8,300 |
| Peak PPO Bronze Standard Mountain Health CO-OP | Expanded Bronze | PPO | $438.62 | $534.88 | $7,500 | $10,000 |
| Peak PPO Bronze HDHP Mountain Health CO-OP | Expanded Bronze | PPO | $445.14 | $542.83 | $8,400 | $8,400 |
| Core Standard Expanded Bronze HSA PacificSource Health Plans | Expanded Bronze | EPO | $463.00 | $564.00 | $7,500 | $10,000 |
| Blue Preferred Bronze PPO℠ 201 Blue Cross and Blue Shield of Montana | Expanded Bronze | PPO | $491.72 | $599.64 | $6,000 | $10,600 |
| Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Montana | Expanded Bronze | PPO | $515.86 | $629.07 | $7,500 | $10,000 |
| Blue Preferred Bronze PPO℠ 202 Blue Cross and Blue Shield of Montana | Expanded Bronze | PPO | $551.78 | $672.88 | $4,400 | $8,300 |
| Blue Focus Silver POS℠ Standard Blue Cross and Blue Shield of Montana | Silver | POS | $537.87 | $655.91 | $6,000 | $8,900 |
| Blue Focus Silver POS℠ 206 Blue Cross and Blue Shield of Montana | Silver | POS | $550.55 | $671.37 | $3,500 | $8,900 |
| Blue Focus Silver POS℠ 903 Blue Cross and Blue Shield of Montana | Silver | POS | $563.80 | $687.54 | $7,250 | $7,250 |
| Plus Silver Standard Mountain Health CO-OP | Silver | PPO | $587.53 | $716.47 | $6,000 | $8,900 |
| Peak PPO Silver Standard Mountain Health CO-OP | Silver | PPO | $594.33 | $724.77 | $6,000 | $8,900 |
| Peak PPO Silver Mountain Health CO-OP | Silver | PPO | $598.58 | $729.95 | $8,000 | $9,500 |
| Core Silver 5000 PacificSource Health Plans | Silver | EPO | $607.00 | $740.00 | $5,000 | $8,600 |
| Core Standard Silver PacificSource Health Plans | Silver | EPO | $614.00 | $749.00 | $6,000 | $8,900 |
| Core Silver 3500 PacificSource Health Plans | Silver | EPO | $651.00 | $794.00 | $3,500 | $10,600 |
| Blue Preferred Silver PPO℠ 203 Blue Cross and Blue Shield of Montana | Silver | PPO | $704.55 | $859.17 | $2,000 | $10,500 |
| Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Montana | Silver | PPO | $721.52 | $879.86 | $6,000 | $8,900 |
| Blue Preferred Silver PPO℠ 308 Blue Cross and Blue Shield of Montana | Silver | PPO | $740.22 | $902.68 | $7,250 | $7,250 |
| Blue Focus Gold POS℠ 207 Blue Cross and Blue Shield of Montana | Gold | POS | $558.62 | $681.21 | $250 | $8,900 |
| Blue Focus Gold POS℠ Standard Blue Cross and Blue Shield of Montana | Gold | POS | $560.64 | $683.68 | $2,000 | $8,200 |
| Blue Focus Gold POS℠ 902 Blue Cross and Blue Shield of Montana | Gold | POS | $569.67 | $694.70 | $1,000 | $8,500 |
| Core Gold 1500 PacificSource Health Plans | Gold | EPO | $605.00 | $738.00 | $1,500 | $7,500 |
| Core Standard Gold PacificSource Health Plans | Gold | EPO | $627.00 | $764.00 | $2,000 | $8,200 |
| Plus Gold Mountain Health CO-OP | Gold | PPO | $657.94 | $802.33 | $1,500 | $7,000 |
| Plus Gold Standard Mountain Health CO-OP | Gold | PPO | $659.26 | $803.94 | $2,000 | $8,200 |
| Peak PPO Gold Mountain Health CO-OP | Gold | PPO | $666.14 | $812.33 | $1,500 | $7,000 |
| Peak PPO Gold Standard Mountain Health CO-OP | Gold | PPO | $668.51 | $815.22 | $2,000 | $8,200 |
| Blue Preferred Gold PPO℠ 204 Blue Cross and Blue Shield of Montana | Gold | PPO | $690.58 | $842.14 | $1,500 | $9,950 |
| Blue Preferred Gold PPO℠ 901 Blue Cross and Blue Shield of Montana | Gold | PPO | $700.31 | $854.00 | $1,400 | $9,200 |
| Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Montana | Gold | PPO | $715.26 | $872.24 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $412/mo | $338 | $456 | 9 | 3 |
| 2023 | $444/mo | $377 | $488 | 13 | 3 |
| 2024 | $461/mo | $402 | $510 | 13 | 3 |
| 2025 | $509/mo | $429 | $576 | 12 | 3 |
| 2026 | $623/mo | $538 | $740 | 12 | 3 |
What this means for Missoula
Use Missoula's own numbers here, not a national average, before you enroll.
- $623/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 39 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Where does Missoula sit on Silver premiums vs other counties?
Missoula ranks #1137 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $623/mo. See /methodology#corpus-placement.
How many ACA plans are available in Missoula, MT?
There are 39 ACA marketplace plans available in Missoula from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Missoula?
The lowest-premium plan in Missoula starts at $348/mo (Bronze tier, age 27). Silver plans start at $538/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Missoula?
The benchmark (second-lowest Silver) premium in Missoula is $551/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Missoula premiums rise +19.9% year-over-year?
The average age-27 premium in Missoula changed by +19.9% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Missoula?
The average annual deductible across all plans in Missoula is $5,247, and the average out-of-pocket maximum is $9,083. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Missoula?
There are 3 insurance issuers offering ACA marketplace plans in Missoula, including Blue Cross and Blue Shield of Montana, Mountain Health CO-OP, PacificSource Health Plans. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Missoula, MT's $551/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Missoula, MT, both outside MT so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($551/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.