ACA plans available
30
Plan year 2026
2026 data Public-data reference. official source
Richland, Montana Health Insurance
Open-data reference.
30 ACA plans from 3 issuers - Plan year 2026
Richland, Montana offers 30 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $414/mo and Silver plans start at $581/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$628
Avg Silver Premium/mo
$587
Benchmark Premium/mo
+26.3%
Year-over-Year Change
$5,435
Avg Deductible
What the Numbers Say About Richland
Richland, Montana has 30 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $628/mo for a 27-year-old non-tobacco user, with the lowest Silver at $581 and the highest at $682. Bronze plans start at $414/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $587/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,435 and the average out-of-pocket maximum is $9,102 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Richland shifted by +26.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Richland, consumers have some competitive choice, though narrower than the most competitive counties. PPO is the most common network type in Richland, with EPO rounding out the alternatives. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
1 plan$414/mo avg
$414 - $414
Silver
9 plans$628/mo avg
$581 - $682
Gold
9 plans$645/mo avg
$611 - $661
Catastrophic plan available: avg $356/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Richland is $587/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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$587 /mo
Sets your subsidy ceiling
Avg deductible
$5,435
Across all metal tiers
Richland ACA plans by premium and deductible
Each marker is the Richland 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.
Source: CMS Marketplace Public Use Files for Richland, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Richland
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Mountain Health CO-OP | 12 | $531/mo |
| Blue Cross and Blue Shield of Montana | 10 | $583/mo |
| PacificSource Health Plans | 8 | $557/mo |
All Plans in Richland
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Peak PPO Catastrophic Mountain Health CO-OP | Catastrophic | PPO | $257.01 | $313.41 | $10,600 | $10,600 |
| Blue Preferred Security PPO℠ 200 Blue Cross and Blue Shield of Montana | Catastrophic | PPO | $455.65 | $555.65 | $10,600 | $10,600 |
| Core Bronze HSA 10600 PacificSource Health Plans | Bronze | EPO | $414.00 | $505.00 | $10,600 | $10,600 |
| Plus Bronze Mountain Health CO-OP | Expanded Bronze | PPO | $428.72 | $522.81 | $9,000 | $10,150 |
| Plus Bronze Standard Mountain Health CO-OP | Expanded Bronze | PPO | $428.86 | $522.99 | $7,500 | $10,000 |
| Peak PPO Bronze Standard Mountain Health CO-OP | Expanded Bronze | PPO | $433.52 | $528.66 | $7,500 | $10,000 |
| Core Bronze HSA 8300 PacificSource Health Plans | Expanded Bronze | EPO | $439.00 | $535.00 | $8,300 | $8,300 |
| Peak PPO Bronze HDHP Mountain Health CO-OP | Expanded Bronze | PPO | $439.96 | $536.52 | $8,400 | $8,400 |
| Blue Preferred Bronze PPO℠ 201 Blue Cross and Blue Shield of Montana | Expanded Bronze | PPO | $454.31 | $554.01 | $6,000 | $10,600 |
| Core Standard Expanded Bronze HSA PacificSource Health Plans | Expanded Bronze | EPO | $467.00 | $570.00 | $7,500 | $10,000 |
| Blue Preferred Bronze PPO℠ Standard Blue Cross and Blue Shield of Montana | Expanded Bronze | PPO | $476.61 | $581.21 | $7,500 | $10,000 |
| Blue Preferred Bronze PPO℠ 202 Blue Cross and Blue Shield of Montana | Expanded Bronze | PPO | $509.25 | $621.02 | $4,400 | $8,300 |
| Plus Silver Standard Mountain Health CO-OP | Silver | PPO | $580.70 | $708.14 | $6,000 | $8,900 |
| Peak PPO Silver Standard Mountain Health CO-OP | Silver | PPO | $587.42 | $716.34 | $6,000 | $8,900 |
| Peak PPO Silver Mountain Health CO-OP | Silver | PPO | $591.62 | $721.46 | $8,000 | $9,500 |
| Core Silver 5000 PacificSource Health Plans | Silver | EPO | $613.00 | $748.00 | $5,000 | $8,600 |
| Core Standard Silver PacificSource Health Plans | Silver | EPO | $620.00 | $757.00 | $6,000 | $8,900 |
| Blue Preferred Silver PPO℠ 203 Blue Cross and Blue Shield of Montana | Silver | PPO | $650.26 | $792.97 | $2,000 | $10,500 |
| Core Silver 3500 PacificSource Health Plans | Silver | EPO | $657.00 | $802.00 | $3,500 | $10,600 |
| Blue Preferred Silver PPO℠ Standard Blue Cross and Blue Shield of Montana | Silver | PPO | $665.44 | $811.48 | $6,000 | $8,900 |
| Blue Preferred Silver PPO℠ 308 Blue Cross and Blue Shield of Montana | Silver | PPO | $682.07 | $831.76 | $7,250 | $7,250 |
| Core Gold 1500 PacificSource Health Plans | Gold | EPO | $611.00 | $745.00 | $1,500 | $7,500 |
| Core Standard Gold PacificSource Health Plans | Gold | EPO | $633.00 | $772.00 | $2,000 | $8,200 |
| Blue Preferred Gold PPO℠ 204 Blue Cross and Blue Shield of Montana | Gold | PPO | $635.91 | $775.46 | $1,500 | $9,950 |
| Blue Preferred Gold PPO℠ 901 Blue Cross and Blue Shield of Montana | Gold | PPO | $645.24 | $786.85 | $1,400 | $9,200 |
| Plus Gold Mountain Health CO-OP | Gold | PPO | $650.29 | $793.00 | $1,500 | $7,000 |
| Plus Gold Standard Mountain Health CO-OP | Gold | PPO | $651.59 | $794.59 | $2,000 | $8,200 |
| Peak PPO Gold Mountain Health CO-OP | Gold | PPO | $658.39 | $802.89 | $1,500 | $7,000 |
| Blue Preferred Gold PPO℠ Standard Blue Cross and Blue Shield of Montana | Gold | PPO | $658.80 | $803.39 | $2,000 | $8,200 |
| Peak PPO Gold Standard Mountain Health CO-OP | Gold | PPO | $660.73 | $805.74 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $415/mo | $391 | $445 | 8 | 3 |
| 2023 | $450/mo | $398 | $487 | 11 | 3 |
| 2024 | $467/mo | $422 | $501 | 11 | 3 |
| 2025 | $527/mo | $481 | $552 | 9 | 3 |
| 2026 | $628/mo | $581 | $682 | 9 | 3 |
Frequently Asked Questions
How many ACA plans are available in Richland, MT?
There are 30 ACA marketplace plans available in Richland from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Richland?
The lowest-premium plan in Richland starts at $414/mo (Bronze tier, age 27). Silver plans start at $581/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Richland?
The benchmark (second-lowest Silver) premium in Richland is $587/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Richland?
Average premiums in Richland changed by +26.3% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Richland?
The average annual deductible across all plans in Richland is $5,435, and the average out-of-pocket maximum is $9,102. 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 Richland?
There are 3 insurance issuers offering ACA marketplace plans in Richland, including Mountain Health CO-OP, Blue Cross and Blue Shield of Montana, 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 Richland, MT's $587/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
