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Montana Marketplace intelligence

2027 ACA Marketplace in Sanders County

Use verified 2026 CMS county evidence as a local benchmark while comparing 2027 Marketplace coverage. Historical averages are context, not a personal quote or current plan list.

806

2026 Marketplace plan selections reported by CMS.

83.3%

of selections received advance premium tax credits (APTC).

$860 → $205

Average monthly premium and average after APTC among the CMS county measures.

Local premium benchmark

How the CMS averages compare

These county averages describe 2026 Marketplace selections; they are not a personal quote.

Average premium$860
Average after APTC$205

$655 lower on average among the reported measures (76% difference).

What this means when comparing coverage

CMS reports 671 APTC recipients in the county, with average APTC of $786. These are county-level historical Marketplace measures, not a quote or guarantee of your eligibility, premium, savings, plan availability, or provider network.

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Your next step

Turn the county benchmark into a personal coverage decision.

County averages cannot tell you what you qualify for. Check your household eligibility factors first, then review Marketplace savings and get personal help if you want someone to walk through the options with you.

Local evidence

What stands out in Sanders County's 2026 ACA Marketplace data?

CMS reports 806 plan selections in Sanders County. That ranks #16 of 56 Montana counties in this CoveragePath CMS dataset by Marketplace selections. This is enrollment context, not an estimate of how many county residents are eligible.

83.3% of reported selections received APTC. The average premium was $860 and the average after APTC was $205 — a $655 difference in these county-level CMS averages. These averages are not a personal quote or subsidy estimate.

For separate population context, the 2024 ACS uninsured estimate is 13.7%. ACS population insurance statistics and ACA Marketplace eligibility are different measures.

How Sanders County compares with Montana

Sanders County accounts for about 1.1% of the 2026 Marketplace selections in this Montana county dataset. These comparisons use the same sourced county inventory shown on this page.

The county average premium is +$131 versus the selection-weighted Montana county benchmark of $729.

The county average after APTC is -$25 versus the selection-weighted benchmark of $230.

The ACS county uninsured estimate is +5.1 points versus the population-weighted Montana county benchmark of 8.6%.

Method: premium benchmarks are weighted by Marketplace plan selections; the ACS uninsured benchmark is weighted by the ACS county population universe. Suppressed CMS values are not estimated.

Population coverage context

Health coverage context in Sanders County

13.7%

ACS estimate for the uninsured share of the Census S2701 population universe.

13,158

People in the ACS health-insurance coverage population universe for this county.

The U.S. Census Bureau's 2024 ACS 5-Year estimate describes population health-insurance coverage in Sanders County. It is useful local context, but it does not measure ACA Marketplace eligibility, enrollment, premiums, subsidies, or plan availability. The Marketplace figures above come separately from CMS.

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Population context source: U.S. Census Bureau, 2020-2024 ACS 5-Year Subject Table S2701 · County FIPS 30089

Source: Centers for Medicare & Medicaid Services, 2026 OEP County-Level Public Use File · Verified September 19, 2026 · County FIPS 30089