(Helena) – The open enrollment period for health insurance through the Affordable Care Act Marketplace is now underway. Montana State Auditor James Brown reminds residents they have until January 15, 2027, to apply for, renew, or change their health plans. To secure coverage starting January 1, consumers must enroll by December 15, 2026. Sign-ups after that date will delay coverage until February 1.
Auditor Brown is also advising consumers to carefully evaluate insurance options outside the official marketplace. The agency has identified non-compliant plans using terms like “self-funded” or “limited partners” to bypass state consumer-protection laws. These plans may not offer comprehensive coverage, leaving consumers vulnerable to unpaid medical bills.
Official plans are available through licensed agents or at healthcare.gov. For questions or to verify a plan before enrolling, residents can contact the Insurance Consumer Service Bureau at 800-332-6148.
