Montana Health Insurance Regulations

Montana health insurance regulations protect both you and the insurance company - taking time to understand both is important.

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Montana health insurance laws

Montana health insurance policies are required to include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 12 months.
  • 31 day coverage for newborns and adopted children

Montana health insurance regulations

Montana health insurance companies can:

  • deny you health insurance on the basis of your health and age
  • charge you higher premiums on the basis of your health (although this is limited)

Montana health insurance companies must:

  • not cancel an existing health insurance policy due to illness.

Montana health insurance: temporary policies

Conversion plans or short term health insurance plans are available for temporary health insurance.

Other MT health insurance info

For more help, read our health insurance guide.

Or check out our guide to Montana small business health insurance.


For more on MTV health insurance, visit the Montana State Auditor's Office.

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