Published on: October 29, 2025
By Trimmel Gomes
As Montanans begin reviewing their health plan options for 2026, a local expert warned many will see higher premiums, making it crucial to shop around carefully.
Olivia Riutta, director of population health for the Montana Primary Care Association, said the key is to give yourself plenty of time and not to go it alone.
"Many Montanans are going to see higher premiums this open enrollment period," Riutta explained. "They might need more time to shop around to make sure that they can get a plan that, A, that they can afford, B, a plan that meets their health care needs in the ways they access health care as much as possible."
Open enrollment dates vary for employer-sponsored plans, though most are typically a few weeks before year's end. For Medicare, it is Oct. 15 to Dec. 7 and for the Affordable Care Act marketplace, it is Nov. 1 to Jan. 15 in most states.
Social media influencers are increasingly making incorrect medical claims and advising people in areas they may not be trained in. In a recent survey, 43% of people said they regret a past health decision due to misleading information.
Dr. Rhonda Randall, chief medical officer and executive vice president of UnitedHealthcare Employer and Individual, said it is important to avoid scams and misinformation.
"You want to make sure that you’re checking the source; that you’re getting your information from a credentialed medical professional or a reputable organization," Randall urged. "Look to see if they’ve included links to research, and the evidence of the information that they’re giving you is accessible to you."
Randall added beyond the monthly premium, consumers should compare out-of-pocket costs, confirm their doctors and medications are covered and look for added benefits like mental health, dental or vision care when choosing between plan options.
