406 Insurance · Hamilton, Montana
Individual and family health
Health coverage you buy on your own, from a first job to the day Medicare starts.
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Who this is for
The people we usually see for this
You're self-employed, running a ranch or a small shop, working seasonally, or you left an employer plan when you retired early. Maybe a COBRA letter arrived with a number nobody could carry.
If you or your family need a plan and don't know where to begin in Montana, this is where we start.
What people get wrong
Montana doesn't have its own state-based health insurance exchange. Individual and family Marketplace plans are available through HealthCare.gov, the federal Marketplace.
When comparing plans, don't look at premium alone. Provider networks, deductibles, copays and out-of-pocket limits can vary significantly between plans.
It's important to check plan networks: whether your local doctors, clinics and urgent care facilities are in network, and whether the plan provides in-network access to specialists and hospitals.
Before you call
What people worry about
Three things come up almost every time.
Does anyone in the valley take this plan
A low premium does little good if the clinic down the road is out of network. We check the providers near you before anything else.
Do I qualify for help with the cost
Premium tax credits depend on household income. We explain how they work so you know what to look for before you apply.
What will I pay once I use it
Deductibles, copays and out-of-pocket limits decide your real cost. Two plans with the same premium can land very differently.
Our work
Where we come in
You can shop and enroll on HealthCare.gov on your own. What we bring is the local picture: which networks reach Hamilton, where your doctors sit, what each plan costs once you use it, and how that fits what you're protecting.
We help you narrow the field and explain the differences in plain terms. The decision stays with you.
What working together actually looks like
First comes a conversation about who needs coverage, which providers matter to you and what's going on in your life right now.
We come back with a short list and the differences between each option. After you enroll, call us when something shifts, a new job, a new baby, a move up or down the valley, and we'll sort out what it means for your plan.
Carriers we compare
Questions about this coverage
What people ask most often about this one, answered the way we would answer on the phone.
There is typically no additional cost to work with us. As independent insurance agents, we are generally compensated by the insurance carriers we represent.
Our role is to help you understand your options, answer your questions, and help you look at the bigger picture of your health insurance and protection planning.
Provider networks are an important part of choosing health insurance. Depending on the plan you may have an HMO, a PPO or another type of network, and the rules for getting care outside that network can vary a great deal.
If keeping your current doctors, specialists, hospitals or care team matters to you, we make provider access part of the coverage review. We research the available plan networks and explain the differences between HMO and PPO options so you can make an informed decision.
Provider participation can change, so we also recommend confirming network status directly with your providers and your insurance carrier.
Life changes can affect your insurance needs. Losing employer coverage, moving, getting married or divorced, or retiring may create an opportunity to enroll in or change health insurance outside the normal enrollment period.
It is also a good time to review life insurance, disability, supplemental coverage and other protection needs. Because enrollment windows can be limited, contact us promptly so we can help you understand your options and the deadlines that apply.
Eligibility and enrollment periods vary by coverage and by individual circumstances.
We offer a broad range of health and protection options for individuals, families, small businesses and retirees. That includes individual and ACA health insurance, life insurance, disability and income protection, accident coverage, cancer, hospital indemnity, heart attack and stroke coverage, long term care planning, employee benefits, and Medicare coverage.
You might also want to look at
People who buy their own health coverage often end up asking about these.
Term, permanent and final expense coverage sized to the people and the home, land or business you'd leave behind.
For people on Original Medicare, often with a Supplement, who need separate drug coverage.
Coverage that pays an agreed amount directly to you after a covered diagnosis, so you can put your energy into getting well.
Still deciding whether this is right for you?
That is the conversation, not the paperwork. Tell us what you have now and what you are trying to protect, and we will walk through whether this fits.
