• Affordable coverage with subsidies for families, individuals, and small businesses

    Based in Billings and the Hi-Line, serving clients nationwide. We help you compare ACA Marketplace plans, check your subsidy savings eligibility, and keep more money in your pocket—all with clear, independent guidance.

Older couple reviewing hospital indemnity plan paperwork together, showing confidence in their coverage with Old Western Insurance.

Why the ACA can lower your costs

  • Income-based subsidies can reduce your monthly premium

  • Extra savings (in some cases) can lower deductibles and copays

  • Wide selection of doctor networks, hospitals, and pharmacies

  • Enroll during Open Enrollment or Special Enrollment (life events)

  • Access to the Brand Name Insurance companies you know and trust.

    (We’ll help you confirm eligibility. Requirements vary by household size, income, and state rules.)

Who We Help (and why)

ACA Marketplace coverage can be a great fit for:

  • Families & Individuals who don’t get insurance through an employer

  • Small Businesses & Self-Employed owners who need affordable options

  • Farmers & Ranchers with variable income year to year

  • Truck Drivers and CDL professionals on the road

  • Blue-Collar & Gig Workers (contractors, Uber, Doordash, delivery, seasonal)

    If your income changes during the year, we help you adjust your application so you keep the coverage and savings you qualify for.

Older couple reviewing hospital indemnity plan paperwork together, showing confidence in their coverage with Old Western Insurance.
Hospital and Prescription Cash Back Program details. Base Plan: Application by agent, ages 40-85, 7% household discount, cash back may exceed cost. Home health nurse offers up to $600 per day benefits for 360 days. Prescription reimbursement: $15 generic, $30 brand name (up to $720 annually). Add-ons include hospital confinement ($100-$300/day, 10 days) and ambulance ($100-$500/trip).

Work with a real, independent agent (year-round help)

When you enroll through our site, Clay becomes your independent agent. That means:

  • One point of contact for questions, plan changes, and renewals

  • Help if life changes (new job, new address, new baby, income shift)

  • Support with doctors & prescriptions questions before you choose a plan

  • Annual review to make sure you’re still getting the best value

We also use powerful enrollment software (behind the scenes) that helps you:

  • Check savings quickly

  • Compare plans apples-to-apples

  • Keep documents organized

  • Get updates and reminders on time