- Overview Of Health Insurance In Montana
- Finding Health Coverage In Montana
- Montana Medical Insurance Numbers
- Is Health Insurance Mandatory In Montana?
Overview Of Health Insurance In Montana
Montana, nicknamed Big Sky Country, has numerous mountain ranges, where 77 are part of the Rocky Mountains. Nearly 13 million tourists annually visit Yellowstone National Park, Beartooth Highway, Glacier National Park, Flathead Lake, and Big Sky Resort. Montana is the 4th largest state in area, and 44th largest in population, making it the 48th least densely populated.
Montana residents rank among the middle in health rankings by state, coming in 28th. With all the mountains, residents should consider going outdoors more to stay active. There is always room from improvement in your health, which isn’t the case for Montana only, but the whole US. So, if you’re looking to take care of all of your healthcare needs, here’s what you need to know.
Finding Health Coverage In Montana
Most people think of leading a healthy lifestyle by working out and eating right, but there is more to that for staying on top of your health. That is a great place to start your journey of a healthy life, but the other half of the battle is by having health insurance. Health insurance plays a key role in maintaining your overall well-being.
Once you are enrolled in a health insurance plan you have access to primary care physicians who can help create a preventative plan with you. To create these plans, physicians will go into your previous medical health, as well as your family history. This is a great service to keep you on top of your health. It’s always a good idea to have insurance, so if you’re not covered, here are the best ways to find the right plan for you in Montana.
Montana Open Enrollment Dates
The Open Enrollment Period occurs annually. This period was created through the Affordable Care Act, and is the only time each year residents can enroll through Montana’s marketplace. Some states decided to create their own marketplaces, which may have different dates for enrollment, but Montana, like the majority, decided to stay on the federal program. So, if you’re looking to enroll in coverage for 2019, Montana’s Open Enrollment Period runs through the following dates:
- November 1, 2018 - December 15, 2018
Many people in Montana find the most affordable health insurance during Open Enrollment. The reason being, the marketplace is not allowed to deny coverage to anyone who has pre-existing or chronic health conditions and is not allowed to charge more than someone who is completely healthy. During the enrollment period, you are also allowed to apply for subsidies and premium tax credits depending on your income and household size. So, if you qualify, the government will help offset the cost of your medical coverage.
Montana Health Insurance Quotes
Unfortunately, for those who do not qualify for government subsidies, the marketplace may be out of your budget. For these Americans, you will see a new trend turning to the private sector to find the right insurance for them. If you are one of the millions of Americans who did not qualify, here is how FirstQuote Health can help you out.
FirstQuote Health specializes in finding residents the most affordable health insurance plans with the least amount of effort. All you have to do to start is enter your zip code so you can find the plans and pricing that fit your area. Afterward, you will be able to browse and compare health insurance quotes in your area with ease. You can even reach directly out to experienced agents who will point you in the right direction to get you covered as soon as today.
Coverage From Montana’s Best Health Insurance Companies
To the individuals who do not want to spend time searching for health insurance, you can look at the top providers in your state. Montana has a few really good well-known options, that may be what you are looking for. To save time, enroll directly with the company. Some of the most popular options include the following:
- Montana Health
- PacificSource Health
On the other hand, when you enroll directly with a provider, you may be limiting yourself to options that may better suit your needs. Everyone has different healthcare needs, so what may be the most popular plan, may not be the best option for you.
In order to find the right plan, you can do a quick search on the internet to read reviews from previous and current members of the health insurance company. Another way to find out more about the providers is by going to FirstQuote Health and reading up on the companies you are considering.
Montana Medical Insurance Numbers
Is Health Insurance Mandatory In Montana?
No, health insurance is not mandatory in Montana as of 2019. When the Affordable Care Act passed, a piece of legislation called the individual mandate was created which required all Americans to enroll in health insurance or face a penalty come tax season. When former President Obama passed the act, there was some pushback, especially from the other party.
When President Trump took office, he decided to try to repeal the Affordable Care Act but did not succeed. To go around this he signed an executive order eliminating the individual mandate as of 2019, in an effort to undermine the ACA. Some states did not agree with this so they created their own versions of the mandate, Montana not being one of those.