Health insurance in Flathead County, Montana
3 insurers sell 39 marketplace plans here, and 12.1% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
Who sells here, and how much choice that gives
3 insurers sell marketplace plans in Flathead County, offering 39 plans between them, roughly 13 each. It gained 2 since the previous plan year, up from 1.
How many people here have no coverage
12.1% of Flathead County's 90,206 under-65 residents have no health coverage — 10,960 people. That is close to the Montana rate of 11.1%, and puts Flathead County in the middle half of the 1,817 counties on this site (678th).
How much the marketplace is used
9,395 Flathead County residents selected a marketplace plan for 2026: 104 per thousand under-65 residents, 737th of 1,817. That is above the 78 per thousand typical of published counties. 1,439 of them — 15% — were new rather than renewing.
Flathead County against Montana
Flathead County is the smallest of the 4 Montana counties we publish a page for. Its uninsured rate runs 1.0 points higher than Montana overall and it carries the same 3 insurers as every other county in the state. Marketplace use is close to the Montana rate.
| Flathead County | Montana | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 12.1% | 11.1% | 9.9% |
| Insurers selling | 3 | 3–3 | 4 |
| Plans offered | 39 | — | 57 |
| Selections per 1,000 | 104 | 83 | 78 |
| New rather than renewing | 15% | 14% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Cochise County (Arizona) | 90,044 | 12.3% | 2 | 25 |
| Miami County (Ohio) | 89,701 | 7.1% | 8 | 130 |
| Wayne County (Ohio) | 90,989 | 13.4% | 7 | 113 |
| Potter County (Texas) | 91,283 | 23.0% | 4 | 54 |
| Pennington County (South Dakota) | 88,305 | 10.5% | 3 | 28 |
Miami County has 8 insurers against this county's 3 — a reminder that the county line, not the state line, is what decides your options.
All Montana counties · How the credit works · Enrollment dates