Moran Insurance Group
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863-270-9820
For owner-operators and 1099 drivers based around Billings, Missoula, Great Falls, Bozeman and Butte, running I-90, I-94 and I-15.
Montana drivers enroll on HealthCare.gov, Medicaid is expanded, and only a few carriers serve the state. Distances are measured in hours, so which hospitals a plan includes matters more here than the premium. Montana also has state continuation rules that matter for drivers leaving small carriers not covered by federal COBRA.
| Where you enroll | HealthCare.gov |
| 2027 open enrollment | November 1, 2026 to January 15, 2027 |
| For coverage starting January 1 | December 15, 2026 |
| Medicaid | Expanded |
| Insurance regulator | Montana Commissioner of Securities and Insurance |
| Main corridors | I-90, I-94 and I-15 |
| Freight hubs | Billings, Missoula, Great Falls, Bozeman and Butte |
I-90 and I-94 run east to west across Montana, and I-15 heads north to the Sweetgrass crossing into Alberta. Freight is ag, energy, timber and long through-hauls. In much of the state the nearest full-service hospital is hours away, and winter makes every run longer.
Montana networks are built around a few regional systems in Billings, Missoula, Kalispell and Bozeman. A driver who runs North Dakota and Washington every week is outside that map most of the time.
Before you buy, search the plan's directory for the hospitals your family would use at home, such as Billings Clinic, Logan Health and Bozeman Health, and for urgent care along I-90, I-94 and I-15.
With a small number of carriers and networks organized around distant regional health systems, checking which hospitals a plan includes is the first step in Montana. Montana's expansion covers adults up to about 138% of the poverty line, and ranching and seasonal-income households should recheck eligibility each year.
Federal COBRA does not apply to employers with fewer than 20 employees, which describes many small Montana carriers. Montana law provides continuation options in some of those cases, so if you are leaving a small carrier, ask what state continuation applies before assuming you have nothing.
Yes, for adults up to about 138% of the poverty line.
Federal COBRA generally applies only to employers with 20 or more employees. Montana law provides continuation in some circumstances for smaller employers, so ask.
Checked October 14, 2026. Rules and dates change; confirm before you act.
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