Montana Medicare Costs in 2026: Part B Plus Plan G, by Carrier

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Montana filed rates pulled September 14, 2026, CSG Actuarial · Yellowstone County (ZIP 59002)

Part B plus a Plan G costs a 65-year-old in Montana $345.05 to $572.90 a month. The $202.90 Part B premium is fixed. The Plan G is a filing: $142.15 at Washington National, $370.00 at Bankers Fidelity Life Insurance, 22 carriers between, from CSG Actuarial filings pulled September 14, 2026.

Two companies with "Bankers" on the letterhead bracket the whole board. Washington National, the insurer behind Bankers Life, is the floor at $142.15. Bankers Fidelity Life Insurance, no relation, is the ceiling at $370.00. The $227.85 between the two ends is wider than all but 2 of the spreads in our 28 state files, and 13 of the 20 filings in CSG's Montana records this cycle are 15% or more.

The carrier pays the broker. The filed rate is the rate either way.

Two “Bankers,” $227.85 Apart

The Bankers Fidelity family files the cheapest Plan G in several states we track, through its two newer companies; in Montana the only family line on the board is Bankers Fidelity Life Insurance, the older company, at the top of the table. Same federal benefits as the floor, $227.85 a month apart, $2,734 a year. The carrier decides the price, and it decides it state by state.

All 22 Montana Carriers at 65, Part B Included

Woman, 65, non-tobacco, individual, no household discount, ZIP 59002; the lower of two filed rate classes ranks and both show. Halfway down sits State Farm at $196.27. 14 of the other 27 state files we hold have a lower floor than Montana's. Bundled Plan G variants are left out as not like-for-like.

13 of 20 Filings at 15% or More, 4 at 25% or More

Blue Cross Blue Shield filed +31.5% effective May 1, 2026, the steepest in the Montana records. The 65% share of filings at 15%-plus is higher than all but 12 of the 28 state files we hold. The floor carrier's own Montana history is +4.5% then +4.5% then +8.0%, which is part of why it is the floor.

Steepest first, from CSG Actuarial's Montana filing records; each is a block-wide change. Every state's list is on 2026 Medigap rate increases.

The Floor Changes Hands 2 Times Between 65 and 80

Washington National is cheapest at 65 and nowhere else in the table. At 70, HealthSpring National Health (HCSC) takes it at $163.40. At 75, HealthSpring National Health (HCSC) takes it at $193.88. At 80, Insurance Company of North America (Chubb) takes it at $218.58. Washington National's own line is $235.55 at 75, rank 8. 20 of 22 carriers price on attained age, Old Surety Life on issue age at $178.73, and AARP / UnitedHealthcare is community-rated at $204.08 for every age. A 75-year-old's lowest bill, Part B included, is $396.78.

Same profile and ZIP at every age. Filed rates, not a quote.

3 Rating Areas, the Same Floor in Each

Montana's 56 counties fall into 3 rating areas; the largest holds 48 of them. The floor carrier files $142.15 in all of them, so Yellowstone, Missoula, Gallatin, Flathead and the rest start from the same number; what differs by area is the middle of the board.

Each county at one ZIP inside its rating area, same profile.

Plan N, Plan F, and the Household Discount

The cheapest Plan N is HealthSpring National Health (HCSC) at $109.18, $32.97 under the cheapest Plan G, $312.08 with Part B. The same company's Plan G is $155.69, so the letters are $46.51 apart inside one carrier. 20 carriers file it, up to $272.51. Plan N hands back up to $20 at some office visits and up to $50 at an ER that does not admit you, and Part B excess charges, which Montana permits.

Montana has moved to Plan G: 52,500 policies on G, 33,412 on the closed Plan F and 6,390 on N at the December 2023 NAIC count. 4 of the 22 carriers file a household discount, 5% to 20%. HealthSpring National Health (HCSC)'s 20% takes $155.69 to $124.55, under the $142.15 floor. Washington National files none.

Methodology

• Each premium is a carrier filing from the licensed CSG Actuarial API, pulled September 14, 2026, rendered at build time from the Montana data file. Nothing on this page is typed.
• Profile: woman, non-tobacco, individual, no household discount, at the age shown. Where two rate classes are filed the lower ranks. Discounted lines are computed from the filed percentage.
• One ZIP per county was quoted; counties whose carriers file identical rates for every plan and age were merged into rating areas, giving 3.
• Direct-to-consumer and guaranteed-issue classes, bundled Plan G variants and rows above four times the state median are excluded. Carrier identity is the NAIC code; Washington National is 70319, the Bankers Fidelity family line here is 61239.
• Twenty-year figures multiply the monthly spread by 240 and assume no increase. Cross-state ranks compare Montana with the 28 state files we hold on the same profile.
• Enrollment is the NAIC statewide count by plan letter as of December 2023. The Part B premium and deductibles are 2026 CMS figures from one source file; Plan G does not pay the Part B deductible.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Montana and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options. The carrier pays the broker; the filed premium does not change.