Montana
Cheapest ACA plans in Carbon County, Montana for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Carbon County, Montana has 4 on-exchange carriers offering 42 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Blue Cross and Blue Shield of Montana Blue Focus Bronze POS 705 at $354 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Carbon County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Carbon County |
|---|---|---|
| Catastrophic | $312 | 2 |
| Bronze | $354 | 2 |
| Expanded Bronze | $384 | 12 |
| Silver | $551 | 13 |
| Gold | $566 | 13 |
The actual cheapest Bronze plan in Carbon County
Blue Cross and Blue Shield of Montana Blue Focus Bronze POS 705
$354/moFor a family of four (two 40-year-olds and two kids under 14): Blue Cross and Blue Shield of Montana Blue Focus Bronze POS 705 at $1,131/month before subsidies.
Carriers selling 2026 plans in Carbon County
4 carriers sell 2026 plans on Healthcare.gov. 48 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Blue Cross and Blue Shield of Montana | 19 |
| Montana Health Cooperative | 14 |
| PacificSource Health Plans | 8 |
| Mountain Health CO-OP | 1 |
Frequently asked questions
What is the cheapest ACA plan in Carbon County, Montana for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Blue Cross and Blue Shield of Montana Blue Focus Bronze POS 705 at $354 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does Montana use Healthcare.gov?
Yes. Montana participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Montana does not operate a state-based exchange.
Has Montana expanded Medicaid?
Yes, effective January 2016, via the HELP Act (Health and Economic Livelihood Partnership), a §1115 waiver program. Adults 19-64 with income up to 138% FPL qualify, so there is no coverage gap in Montana.
How does the Montana reinsurance waiver affect premiums?
The Montana Reinsurance Association Program is a §1332 state innovation waiver active since PY2020. It reimburses carriers for a portion of high-cost individual-market claims, which lowers gross premiums on Healthcare.gov for all Montana enrollees (subsidized and unsubsidized alike). Rate impact varies by year.
More Montana pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Montana Commissioner of Securities and Insurance for rate review, carrier filings, and consumer guidance.
- Montana Department of Public Health and Human Services: Medicaid for HELP Act Medicaid expansion eligibility and enrollment.
- KFF: Montana State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.