Health insurance help for Montana residents
Compare Medicare, health insurance marketplace plans and Medicaid in Montana, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
What is different about coverage in Montana
Montana Medicaid is run by the Department of Public Health and Human Services, and Montana residents shop ACA plans on HealthCare.gov since the state has no marketplace of its own. Montana Medical Insurance's phone help for Montana callers -- Medicare, ACA, life, or supplemental coverage -- costs nothing.
- Montana Healthcare Programs, run by the Department of Public Health and Human Services, handles Medicaid eligibility -- call the Member Help Line at 1-800-362-8312 for enrollment questions.
- Montana has no state-built ACA exchange, so plan shopping and subsidy questions go through the federal HealthCare.gov Marketplace.
- Montana's SHIP counselors, coordinated through the Office on Aging, give free Medicare guidance at 1-800-551-3191, separate from Montana Medical Insurance's own free phone help.
Worth knowing: Montana's SHIP counselors work through the state's network of Area Agencies on Aging rather than a single centralized call center, so a caller can often be connected with someone local to their part of the state rather than a statewide hotline.
Coverage questions we help Montana residents with
Health plans (ACA marketplace)
How Montana’s marketplace works, who qualifies for help with costs, and when you can enroll.
Medicare
Turning 65, Medicare Advantage, Medigap and drug plans, with Montana’s free counseling program.
Medicaid
Where to apply in Montana, and what to do when your coverage changes.
Montana by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in Montana you live. Start with your county.
Major Montana cities
Montana colleges and universities
- University of Montana
- Montana State University
- Montana Technological University
- Montana State University Billings
- Flathead Valley Community College
State bird: Western Meadowlark
Sturnella neglecta. Montana’s official state bird, shown here as a local touch.
Photo: Cephas (CC BY-SA 4.0), via Wikimedia CommonsCommon Montana questions
Where do I shop for ACA health plans in Montana?
Montana residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/montana/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Montana?
Medicaid in Montana is run through Montana Department of Public Health and Human Services (DPHHS) (https://dphhs.mt.gov/MontanaHealthcarePrograms/MemberServices). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Montana?
Montana Commissioner of Securities and Insurance (https://csimt.gov) regulates insurance companies and agents in Montana. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Montana?
Yes. Montana SHIP (State Health Insurance Assistance Program) (1-800-551-3191) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Montana Medical Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about Montana coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.