Medicare Advantage Plans in Montana: 2027 Statewide Guide
Whether you're turning 65, comparing plans this fall, or helping a parent choose, here is what the official 2027 plan data from the Centers for Medicare & Medicaid Services (CMS) shows for all of Montana.
Montana 2027 at a glance
- CMS lists 23 Medicare Advantage plans from 3 organizations across 47 Montana counties for 2027.
- 4 of the plans open to everyone (not Special Needs Plans) have a $0 monthly plan premium.
- The lowest in-network out-of-pocket maximum in the state is $5,000.
- Out-of-pocket costs for covered Part D drugs are capped at $2,400 in 2027.
- The highest Overall Star Rating among these plans is 4.5 out of 5.
You must continue to pay your Medicare Part B premium. Every year, Medicare evaluates plans based on a 5-star rating system.
Types of Medicare Advantage plans in Montana
- 19 plans open to anyone with Medicare Parts A and B in the plan's area
- 4 Dual-Eligible Special Needs Plans (D-SNPs), for people with both Medicare and Medicaid
Counties with the most plan choices
- Cascade County: 17 plans
- Flathead County: 17 plans
- Lewis and Clark County: 16 plans
- Yellowstone County: 16 plans
- Missoula County: 14 plans
- Teton County: 14 plans
- Gallatin County: 13 plans
- Jefferson County: 12 plans
- Sanders County: 12 plans
- Broadwater County: 11 plans
Carriers we work with in Montana
- Humana: 17 Medicare Advantage plans in Montana
- UnitedHealthcare: 3 Medicare Advantage plans in Montana
Key enrollment dates
- Annual Enrollment Period: October 15 – December 7. Changes take effect January 1.
- Medicare Advantage Open Enrollment: January 1 – March 31, for people already in a Medicare Advantage plan.
- Turning 65: your Initial Enrollment Period is the 7 months around your 65th birthday month.
Plans for people with Medicare and Medicaid, by state · More data stories · Home
Source: CMS 2027 Medicare Advantage and Part D Landscape file (CY2027_Landscape_202610.csv). Plan counts include every plan offered in at least one Montana county; availability depends on where you live. Confirm details with the plan before you enroll.
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Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 2 organizations which offer 28 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.