PacificSource Is Leaving Montana — What Happens to Your Health Insurance in 2027?

If you currently have a PacificSource health insurance plan in Montana, you’ve probablyheard the news — and you may be wondering what it means for you and your family.

The short answer: your coverage is still active right now, but it will end at the close of 2026, and you’ll need to take action before then to avoid a gap in coverage.

What Happened?

In May 2026, PacificSource Health Plans confirmed that it is exiting the individual insurance market across all states where it operates. In Montana, this affects approximately 42,000 members who enrolled in PacificSource plans through the ACA Marketplace or directly.

PacificSource cited ongoing financial losses in the individual market as the primary reason for the exit. This is not a sudden closure — the company is committed to honoring all current plan obligations through December 31, 2026.

When Does My Coverage End?

Your PacificSource plan will remain fully active through December 31, 2026. During this time:

• You can continue seeing your current in-network doctors and specialists.
• Prescriptions will continue to be covered under your current formulary.
• Claims, billing, and prior authorizations will be processed as normal.
• There are no mid-year plan changes or disruptions.

However, you must select a new plan before December 31, 2026 to ensure you have continuous coverage starting January 1, 2027. If you do nothing, you will have no coverage on January 1st.

What Are My Options in 2027?

Montana’s ACA Marketplace will continue to offer plans for 2027. The two primary carriers expected to offer individual and family plans in Montana are:

• Blue Cross Blue Shield of Montana (BCBS MT): Offers PPO and POS plan types with a broad statewide provider network. Generally well-recognized by hospitals and specialists across Montana.
• Mountain Health CO-OP: A Montana-based nonprofit cooperative offering PPO plans. Known for competitive premiums and a focus on local members.

Plan availability, premiums, and networks for 2027 will be finalized in the fall of 2026. It’s important not to assume your doctors will be in-network with a new carrier — this should be verified before you enroll.

Open Enrollment Dates

Open enrollment for 2027 coverage runs from November 1 through December 15, 2026. This is the window during which you can compare and select a new plan.

Do not rely on automatic Marketplace re-enrollment. While the Marketplace may attempt to match you to a plan, auto-enrollment does not guarantee you’ll be placed in the best or most cost-effective option for your situation. You should actively compare plans during open enrollment.

Will I Still Get Financial Assistance?

If your income and household circumstances remain similar to prior years, you should still qualify for premium subsidies (Advance Premium Tax Credits) through the ACA Marketplace. Current rules cover households earning between 100% and 400% of the federal poverty level, and enhanced subsidies under current law extend eligibility further up the income scale.

Your subsidy amount will be recalculated based on 2027 plan premiums and your projected income. Working with a broker can help you make sure you’re applying the right subsidy and not leaving money on the table.

Why Work with an Independent Broker?

An independent insurance broker is exactly the kind of resource this situation is built for. Unlike going directly to an insurance company, a broker works for you — not for the insurer — and can shop across multiple carriers to find the plan that best fits your specific situation.

We can help you:

• Compare BCBS MT and Mountain Health CO-OP plans side by side
• Verify that your current doctors and prescriptions are covered under a new plan
• Maximize your premium tax credits and minimize your out-of-pocket costs
• Navigate the enrollment process so nothing falls through the cracks

Our services are free to you — brokers are compensated by the insurance carriers, not by clients.

Get Ahead of the Deadline

If you’d like to explore your options and get ahead of the open enrollment deadline, you can browse and enroll in available ACA Marketplace plans directly through our enrollment portal: Click Here to View Available Plans

Or feel free to reach out to us directly — we’re locally based in Montana and ready to help.

If you want to know more about this and how we can help you set it up, please reach out to us!

Ph: 406 401 7220
E: [email protected]

-Klinton Jones
Principal Insurance Broker