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A number of options are available when it comes to Montana health insurance.
If you are limited by your budget or have other difficulties with getting coverge, you might consider options provided by the state. Montana Comprehensive Health Association (MCHA)is the state risk pool and it provides coverage for those who otherwise cannot get health coverage because of pre-existing medical conditions. It's not necessarily cheap and should only be used as a last resort.
CHIP - the Montana State Children's Health Insurance Program is available for children under the age of 19 from families within a certain income range. This tends to be targeted to families that fall between not being able to afford private coverage and making too much for Medicaid.
Medicaid is available for those families with incomes too low to afford any private coverage.
If you do not qualify for the low-cost/no-cost health insurance alternative, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
For those seeking to buy health insurance it may be healthful to know that the maxium lookback period for any private insurance policy within the state of Montana is 6 months so for pre-existing conditions. The maxium exclusion time is 12 months so you may have some time to receive some clarification or ask specific questions if you have a pre-existing condition in this time frame.
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