When you apply for coverage through the Health Insurance Marketplace, you’ll need some basic information. This includes personal information about everyone in your tax household, information about current coverage, and an estimate of your yearly income. You can find a printable list of information to bring. While you can save your Marketplace application and return later to complete it, the process is much faster if you have all the information you need before you begin.
The online application at healthcare.gov requires an email address, but you can also apply by phone. Cover Montana’s enrollment assisters can do phone enrollments, just call the Cover Montana Help Line: 1-844-682-6837. If you work with an enrollment assister on your application, they can help you sign up for an email account and walk you through the process.
Go to HealthCare.gov/get-coverage and provide some basic information
Next you’ll enter information about you and your family, including your income, household size, and more.
Browse the plans to find the one that fits your needs. This is where our resources help most.
Enroll in your selected plan and pay your first premium.
Work with an enrollment assister. You can complete an application on your own or work with a Navigator, Certified Application Counselor, or Certified Exchange Producer (insurance agent). With just a zip code you can find a local enrollment assister who can answer questions and help you apply for and enroll in health insurance.Remember, their help is always free and confidential. They will help you get covered!
You can apply over the phone or virtually with the help of the Cover Montana Help Line: 1-844-682-6837.
You can apply online at HealthCare.gov.
If you are new to insurance, we encourage you to start by reading about Health Insurance Basics, including how certain circumstances allow you to apply for health insurance outside of the open enrollment period.
Through the Health Insurance Marketplace (www.HealthCare.gov), individuals and families can apply for and enroll in private or public health insurance plans. This includes Montana Medicaid and Healthy Montana Kids. Healthcare.gov’s single, streamlined application will connect each member of a household to the plan that they are eligible for. For many families, this means that children may become eligible for Healthy Montana Kids, while the parents may become eligible to purchase a private health insurance plan. They may even receive tax credits to offset the cost of their premium.
REMEMBER: the Health Insurance Marketplace is the only place where you can take advantage of the new Advanced Premium Tax Credit (APTC). These new tax credits help more than 85% of enrolled Montanans pay for their health insurance. See what you qualify for with our calculator!
Check out the Cover Montana Frequently Asked Questions page and glossary of insurance terms.
Health insurance can be confusing, especially if you are transitioning from Montana Medicaid, but free, unbiased, confidential help is available. You can call the Cover Montana Help Line to get questions answered and to get help enrolling over the phone: (844) 682-6837. Or click any of the links below for more help. Whether you need phone, virtual, or in-person help, we’ve got you covered!
Enter a secure live chat session with one of our experts to address any questions or concerns you may have.
With just a zip code, find a local enrollment assister who can answer questions and help you apply for and enroll in health insurance.
With just some basic information, the calculator estimates what you qualify for including Medicaid, Healthy Montana Kids, and the Marketplace.
This work is supported by the Centers for Medicare and Medicaid Services (CMS) of the U.S. Department of Health and Human Services (HHS) as part of a financial assistance award totaling $1.25M with 100 percent funded by CMS/HHS. The contents are those of the author(s) and do not necessarily represent the official views of, nor an endorsement, by CMS/HHS, or the U.S. Government.
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