COBRA Insurance In The State Of Montana

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  2. USA State COBRA Rules
  3. Montana
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In Montana, the federal COBRA law applies to businesses with 20 or more employees, requiring them to offer temporary continuation of group health insurance to eligible employees and their dependents. This allows individuals who lose coverage due to job loss, reduced hours, or other qualifying events to maintain their health insurance during a transition period.

No State Continuation Coverage in Montana

Montana does not have a state continuation coverage law, often referred to as Mini-COBRA, for employees of small businesses. This means that if you lose your group health insurance due to job loss or reduced hours and your employer has fewer than 20 employees, there is no state-mandated option to continue your existing coverage.

Federal COBRA still applies to employers with 20 or more employees, allowing eligible individuals to continue their group health insurance at their own expense. For those who do not qualify for COBRA, alternatives include enrolling in a plan through federal Health Care exchange, applying for Medicaid if eligible, or seeking coverage through a spouse’s or parent’s plan.

COBRA Costs an Average of $763 per Month in Montana

In Montana, if you choose to continue your work health insurance you will be responsible for the full premium, including the portion previously paid by your employer.

Applying for Mini-COBRA in Montana

The Montana Continuation Law may allow you to keep your employer-sponsored health insurance if your employer has 20 or more fewer full-time workers participating in the company health plan.

To continue your work health plan, you will need to apply through your employer or a third-party administrator responsible for managing COBRA benefits.

Helpful Resources in Montana

Alternative Low Cost Medical Plans in Montana

Continuing an employer plan in Montana with Mini-COBRA is around $763/mo, per individual. If COBRA is unavailable or is outside of your budget, you do have affordable other options for health coverage. See below.

The cost of health insurance is determined by your age and state of residency.

Basic Health Solution
Virtual Doctor Visits, Prescription Savings
Access Teladoc telehealth, prescription savings, and identity theft protection.
Great for Pre-Existing Conditions
Affordable Care Act
Similar to work health insurance. Marketplace plans may include subsidies to significantly reduce your cost.
Accident-Only Insurance
Up to $1 Million Coverage
Covers accidental injuries and includes Teladoc. Starting at $40/mo.
Limited Indemnity
Fixed-Benefit Plan
Pays fixed benefits for covered medical events. Includes Teladoc.
Telehealth Only
$19.95 per month
Physicians available for common issues and prescription refills.
Dental Insurance
PPO Access
Access 471,000 PPO points. Covers 300-plus dental procedures nationwide.

Affordable Care Act for Pre-Existing Conditions Montana

Like employer-sponsored group health plans, all Affordable Care Act (ACA) marketplace plans are required to cover pre-existing conditions without exception. These plans also include a comprehensive set of essential health benefits, which means they must cover doctor visits, hospital care, emergency services, surgeries, maternity and newborn care, mental health treatment, and prescription medications. This ensures that individuals and families receive broad, reliable coverage regardless of their health history.

Get an ACA Health Plan Quote

Budget-Friendly Health Coverage Solutions to Montana Mini-COBRA

In Montana you can bridge a gap using one of the following plans:

Health Continuation Laws by State