Montana Health Insurance Marketplace
Financial Aid and Medicaid continued...
You also may be eligible for cost-sharing subsidies if your income is below $29,425 for an individual or $60,625 for a family of four. Cost-sharing subsidies will lower your out-of-pocket costs when you get medical care. Cost-sharing subsidies are available only if you buy a silver-level plan.
Medicaid Expansion : Some states expanded Medicaid so more people can get health insurance coverage. Although Montana did not, you may still qualify for some type of assistance even if your income is too low to qualify for a premium subsidy. You will not have to pay a fine for not having insurance if your state did not expand Medicaid and your income is too low to qualify for a premium subsidy.
CHIP: The Children's Health Insurance Program, called Healthy Montana Kids in Montana, provides coverage for children of some families who have a low income but are not eligible for Medicaid.
In addition to HealthCare.gov, there are several ways you can get help with your insurance decisions:
- Call Center: You can call the federal government's help line, 800-318-2596, 24 hours a day, 7 days a week, for information, help, and to buy insurance. Montana’s insurance commissioner also has a website, MontanaHealthAnswers.com, that provides basic information about the Marketplace and directs consumers to individuals and organizations that can help.
- Navigators and Certified Application Counselors: They can teach you about the Marketplace and guide you through your insurance decisions. You can find contact information for navigator and certified application counselors at MontanaHealthAnswers.com or here.
- Local, State, and Federal Organizations: Many health and community organizations, public libraries, and hospitals are offering help. Find a list at LocalHelp.HealthCare.gov.
- Insurance Brokers and Agents: People in the insurance business who are specially trained also can help you buy insurance through the Marketplace, and they may have policies that are not offered on the Marketplace. You can only get tax credits or subsidies if you buy through the Marketplace, though. In Montana they are called certified agents. Go to MontanaHealthAnswers.com for a list of agents by city.