Montana Marketplace Premiums Rise 22.6% for 2027
Open enrollment for 2027 ACA coverage began November 1 as PacificSource exits the Montana individual market.
Updated on Nov. 3, 2026 in Insurance
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Enrollment for 2027 health coverage opened November 1 through HealthCare.gov, with individual-market premiums in Montana estimated to rise an average of 22.6% per person before subsidies. PacificSource is leaving the Montana individual Marketplace at the end of 2026.
Why it matters
Montanans shopping for individual coverage face higher estimated premiums and fewer insurers, which makes comparing plans before the enrollment window closes especially important. Income-based subsidies remain available to eligible consumers, which can offset part of the increase.
The 22.6% figure is an estimated average premium increase before subsidies from an analysis of Montana's 2027 Marketplace, not a final rate. Blue Cross Blue Shield of Montana, Mountain Health CO-OP and the exiting PacificSource's successors' coverage details are not yet fully itemized in the source, leaving individual outcomes unresolved.
The players
PacificSource
A regional health insurer that offered individual Marketplace coverage in Montana in 2026 and is leaving that market at the end of the year.
Blue Cross Blue Shield of Montana
A Montana health insurer that will offer Marketplace coverage in the state for 2027.
Mountain Health CO-OP
A nonprofit health insurance cooperative that will offer Marketplace coverage in Montana for 2027.
The details
Enrollment for 2027 coverage opened November 1 on HealthCare.gov, the federal Marketplace used in Montana. Blue Cross Blue Shield of Montana and Mountain Health CO-OP will offer Marketplace coverage in the state in 2027 after PacificSource's departure.
Timeline
Nov. 1, 2026: 2027 Marketplace open enrollment opened on HealthCare.gov.
End of 2026: PacificSource exits the Montana individual Marketplace market.
Market Landscape
Income-based premium subsidies under the Affordable Care Act remain available to eligible Marketplace consumers even as individual-market premiums rise. Insurer participation is contracting, with PacificSource leaving Montana's individual market while Blue Cross Blue Shield of Montana and Mountain Health CO-OP continue offering coverage.
Montanans buying individual coverage for 2027 should expect higher estimated premiums and fewer insurers, so comparing plans during open enrollment can help control costs. Eligible consumers can still reduce what they pay through income-based subsidies, and the actual price depends on household income, age, and location.
The takeaway
Reviewing your household income and comparing every available plan before the enrollment deadline can meaningfully affect your 2027 premium. Subsidies may narrow the gap even when list prices climb.
Further reading
Explore more on Montana insurance coverage changes and enrollment options.
More information
Compare 2027 plans and check subsidy eligibility on the federal Marketplace for 2027 health coverage enrollment.
Source note: This article includes information reported by Q2 News (KTVQ).
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