Missoula, Montana
Medicare agents in Missoula, MT
Find a licensed agent with an office in Missoula, and see what Medicare looks like locally: how many people have it, how many are in Medicare Advantage, and how many plans are offered for 2027.
Last reviewed October 27, 2026. General information, not advice about any plan.
Agents in Missoula
No agents with an office in Missoula are listed yet. Agents licensed anywhere in Montana can help by phone or video: see agents in Montana.
Before you meet anyone, check their Montana license. Agents in nearby towns are on the Missoula County page.
Medicare in Missoula County
- People with Medicare
- 26,285
- In Medicare Advantage or another Medicare health plan
- 26% (6,824)
- With both Medicare and Medicaid*
- 10% (2,756)
Source: CMS Medicare Monthly Enrollment, July 2026, for all of Missoula County; Missoula itself has about 78,204 residents (Census, 2024). Medicare health plans include Medicare Advantage, cost plans and PACE, not Medigap or drug plans. *Includes people who get help only with Medicare costs from a Medicare Savings Program.
2027 plans offered in Missoula County
- Medicare Advantage with drug coverage
- 8 plans, 4 with a $0 plan premium
- Medicare Advantage without drug coverage
- 3 plans
- Special Needs Plans
- 3 plans: 3 for people with both Medicare and Medicaid. Only people who qualify can join.
- Companies offering these plans
- 1
Standalone drug plans in Montana: 9 plans, with monthly premiums from $5.30.
Source: CMS 2027 plan landscape (updated October 2026), which lists plans by county. A $0 plan premium doesn't mean $0 costs: you still pay the Part B premium, plus copays, and plans differ in their yearly limit and in which doctors and drugs they cover. How to compare.
Free local help
- Montana State Health Insurance Assistance Program (SHIP)
- Montana's free, unbiased Medicare counseling program. 1-800-551-3191 · Website
- The Office of the Montana State Auditor, Commissioner of Securities and Insurance
- Licenses agents and takes complaints. 1-800-332-6148 · How to check a license
- 1-800-MEDICARE
- 1-800-633-4227 (TTY 1-877-486-2048), 24 hours a day, 7 days a week, except some federal holidays.
Montana rules to know
- Switching Medigap plans
- Montana doesn't add a yearly Medigap switching right. Outside your 6-month Medigap Open Enrollment Period (which starts when you're 65 or older and have Part B) and certain federal protections, such as losing other coverage, insurers can usually ask health questions and turn you down. States with switching rights.
- Medigap under 65
- Required, with limits. Montana insurers must sell any Medigap policy they offer to people who become eligible for Medicare because of a disability, with no health-based denial or pricing, but you must apply within 63 days of being told you qualify, and the rule does not mention kidney failure (ESRD).
- Agent licenses
- Agents must be licensed for health insurance in Montana. Look one up.
Dates to know
- October 15 to December 7
- Open Enrollment: change Medicare Advantage or drug plans for the next year.
- January 1 to March 31
- Medicare Advantage Open Enrollment: one change for people already in a Medicare Advantage plan.
- Turning 65
- A 7-month window around your birthday month. The checklist.
Moving to Missoula from another state opens a special enrollment period for Medicare Advantage and drug plans. It doesn't by itself let you buy Medigap without health questions. What to do.
Common questions
How many people in Missoula have Medicare?
In Missoula County, 26,285 people had Medicare in July 2026, according to CMS. About 26% were in Medicare Advantage or another Medicare health plan; the rest had Original Medicare.
How many Medicare Advantage plans are offered in Missoula for 2027?
CMS lists 8 Medicare Advantage plans with drug coverage in Missoula County for 2027 (4 with a $0 plan premium; you still pay the Part B premium), 3 without drug coverage, and 3 Special Needs Plans for people who qualify, from 1 companies. Medicare.gov's Plan Finder shows which ones cover your address, doctors and drugs.
Where can I get free Medicare help in Missoula?
Montana's free counseling program, Montana State Health Insurance Assistance Program (SHIP) (1-800-551-3191), gives unbiased one-on-one help. You can also call 1-800-MEDICARE (1-800-633-4227) any time.
Will I pay more for a plan if I use an agent?
No. A plan's premium is set by the plan, and you pay the same whether you enroll through an agent, the plan, or Medicare.gov. Agents can't charge a fee to enroll you in a Medicare Advantage or drug plan.
Other cities in Montana
Keep reading
- How to find a good Medicare agent near youWhere to look for a local Medicare agent, how to narrow the list to one or two, and the five-minute checks to do before you share anything.
- Medicare Open Enrollment checklist: what to check before December 7A step-by-step checklist for the October 15 to December 7, 2026 Open Enrollment Period: what to read in your plan's letter, what's changing for 2027, what you can switch, and what happens if you do nothing.
- Medicare Advantage or Medigap? The questions that decide itNeither is better for everyone. How the two common Medicare set-ups differ, the questions that point to one or the other, and why the first choice is the hardest to undo.
Ready to talk to someone local?
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