2020 Small Group Plans
Note: Two insurance companies — Montana Health CO-OP and PacificSource — are offering small group health insurance plans through the federal health insurance marketplace and off the exchange. All others are only offering small group plans off the federal exchange.
To help determine what health insurance plan is best for you, you can use the Health Insurance Shopping Comparison Worksheet available here. It’s important to keep a number of factors in mind when choosing a health insurance policy, such as your personal health needs, what the policy covers, and the costs of premium, deductibles, and prescription drugs.
Rates Comparison Charts
Charts comparing the rates and plans offered among the companies are available below. The charts are organized by rating area as color-coded on this map:
Rating Area 1 (BLUE) includes the following counties: Carbon, Musselshell, Stillwater, Sweet Grass, and Yellowstone.
Rating Area 2 (RED) includes the following counties: Broadwater, Cascade, Choteau, Deer Lodge, Gallatin, Jefferson, Judith Basin, Lewis and Clark, Silver Bow, and Teton.
Rating area 3 (PURPLE) includes the following counties: Flathead, Lake, and Missoula
Rating area 4 (GRAY) includes the following counties: Beaverhead, Big Horn, Blaine, Carter, Custer, Daniels, Dawson, Fallon, Fergus, Garfield, Glacier, Golden Valley, Granite, Hill, Liberty, Lincoln, Madison, McCone, Meagher, Mineral, Park, Petroleum, Phillips, Pondera, Powder River, Powell, Prairie, Ravalli, Richland, Roosevelt, Rosebud, Sanders, Sheridan, Toole, Treasure, Wheatland, and Wibaux.
Dental Rate Guide
You can compare rates for dental plans offered in the small group market using the guide below.
Cost Sharing Comparison Chart
This guide gives a summary of the benefits provided by each small group plan available on the federal marketplace and the required cost sharing for using those benefits.
Please note: This information is for reference only. Please refer to the Summary of Benefits and Coverage from the insurer for more detailed information about each plan.