From Bozeman remote-first firms to Billings healthcare services, ranching operations, and construction crews, Montana small businesses keep this state working. We help you get your team real group health coverage, with quotes compared across the plans available to you and no broker fees, ever.
A licensed broker will contact you within 1 business hour with your personalized group health options.
Need it faster? Call us directly:
(863) 270-9820
We price the same three funding models big benefits teams evaluate, built for teams of 1 to 50.
Three steps, about a week end to end, and nothing owed to us at any point.
Employee ages and ZIP codes. That's genuinely it, no health questionnaires needed to get started, and nothing that commits you to anything.
We compare the plans available to your group across the carriers competing for Montana small business, plus level-funded and ICHRA structures where they fit, and put them side by side.
Enrollment, employee questions, paperwork, and then renewals every year after. You get a broker who answers the phone, not a ticket number.
Insurance is regulated state by state, so the honest answer to "what will this cost" always starts local.
Montana uses the federal exchange, Healthcare.gov. Provider networks stretch across long distances here, so network adequacy deserves as much attention as premium.
Montana expanded Medicaid, covering adults up to roughly 138% of the federal poverty level.
Montana's small-group market is served by a small number of carriers, and because networks are built around distant regional health systems, which hospitals a plan includes matters as much as its premium.
Most Montana employers are under 20 employees, which means federal COBRA does not apply to them at all. Montana provides for continuation of coverage in certain circumstances instead, so departing employees have options worth understanding before you set your offboarding process.
Carriers file rates by rating area, so the same plan prices differently across Billings, Missoula, Bozeman, and Great Falls. If your team is spread out, that spread shows up inside your own quote, and it is worth getting the census right.
Shopping for yourself rather than a team? Our Montana individual and self-employed guide covers marketplace, off-exchange, and underwritten options.
Most brokers quote one of these. We price all three against your actual roster and tell you which wins.
Fully-insured coverage with a fixed monthly premium and guaranteed-issue protection for groups of 1 to 50. The most predictable option, and still the strongest recruiting statement in most hiring markets.
Priced to your own group's health rather than the community pool, with stop-loss insurance capping your exposure. A healthy year can return money to the business. Rewards younger, healthier teams.
You set a tax-free monthly allowance, employees buy their own individual plans with it. No minimum participation requirement, fixed budget, and it works for teams spread across multiple states.
A few of the industries that come to us most often here, and what tends to drive the decision in each.
Bozeman and Missoula have a growing base of remote companies whose staff may be spread across several states, which is where ICHRA structures fit well.
How we approach it: We price fully insured against level funded on the real census, and say plainly which the roster supports.
Montana contractors work across long distances, making network breadth as important as premium.
How we approach it: We quote every structure that could fit and spell out the trade-off in each rather than leading with one product.
Seasonal payrolls and family operations need plans that flex with the year.
How we approach it: We start by sorting who is actually eligible, then price only the structures that survive that answer.
Billings medical services and Montana's guide and outfitting businesses both staff around seasons and need coverage that matches.
How we approach it: We model the options side by side and tell you which one we would choose if it were our own payroll.
The questions Montana owners actually ask us first.
Send a census, ages and ZIP codes, and we'll come back with the options that actually fit. No fee, no obligation, and a straight answer about which structure wins.
Get My Free Quote → Or call (863) 270-9820