CoreMed Insights

Writing about Montana healthcare.

Direct primary care, membership medicine, and what it all costs. No marketing filler.

Featured card: a small business owner reviewing paperwork in a Montana workshop For business

How to Cover Your Team Without Breaking the Business

Every realistic way a small Montana employer can offer healthcare, what each one costs, who it fits, and what to watch out for. No single right answer, and no pitch.

Mandy Hood ·
A woman at a farmhouse kitchen table working through household costs on a laptop For families

What Healthcare Actually Costs in Montana in 2026

Marketplace rates, hospital prices and membership fees, with a real number attached to each one. Including where something cheaper than us is the right answer.

Mandy Hood ·
An empty MRI scanner room seen through a hospital corridor doorway Price data

Why the Same Scan Costs Four Times More Across Town

We parsed the published price files from thirteen Montana hospitals. The same brain MRI ranges from $840 to $3,860, and insurers pay about $784.

Mandy Hood ·
A doctor and a patient talking across a desk in an unhurried consultation room For families

Direct Primary Care vs Health Insurance: How They Actually Compare

They do different jobs, and most people who are happy with either end up using both. A straight comparison, including the case for insurance.

Mandy Hood ·
The reception desk of a small independent primary care clinic For families

What Direct Primary Care Actually Costs in Montana

The real monthly range, what sits inside the fee, what it does not cover, and how it compares against a marketplace plan once subsidies are counted.

Mandy Hood ·
A person at a clinic reception counter holding a paper bill For families

Getting Care in Montana Without Insurance

The cash price, the written estimate, charity care and where to walk in. Practical steps that cost nothing and routinely save four figures.

Mandy Hood ·
A small rural Montana clinic on a quiet street under open sky For families

Finding a Doctor Accepting New Patients in Montana

Most Montana counties are federal primary care shortage areas. Which practices are most likely to say yes, and the six questions that get you booked.

Mandy Hood ·
A self-employed tradesman loading tools into a pickup at the end of the day For employers

Self-Employed in Montana: Your Healthcare Options

Subsidies, the self-employed deduction, HSAs and the 2026 rule change. What each path costs when nobody is doing the paperwork for you.

Mandy Hood ·
Montana main street in morning light with a cafe owner opening for the day For employers

What Rising Health Premiums Mean for Montana's Small Businesses

Small group rates are set to rise about 11% in 2026. What that means for Montana's small businesses, and where direct primary care can help.

Mandy Hood ·
A family doctor and a patient talking in a bright small town Montana clinic For employers

Direct Primary Care: A Simpler Way for Small Businesses to Care for Their Teams

Health costs keep climbing for small businesses. Here is what direct primary care is, how it works, and why more employers are taking a look.

Mandy Hood ·
A small bakery owner talking with a member of her staff behind the counter For employers

A Simpler Path to Care: What Small Businesses Should Know About Direct Primary Care

Health benefits keep getting pricier for small employers. Here is what direct primary care is, how it works, and what Montana businesses should know.

Mandy Hood ·
A couple at a kitchen table working through the household budget with a laptop For families

You Can Now Use HSA Dollars for Direct Primary Care

Starting in 2026, HSA funds can pay for direct primary care memberships. What the change means for Montana families and small businesses.

Mandy Hood ·
A woman at a farmhouse kitchen counter reading something on a tablet For families

Your HSA Just Changed: New 2026 Rules Help Pay for Direct Primary Care

Starting January 1, 2026, HSA funds can pay for direct primary care memberships. What the new federal rules mean for Montana families and employers.

Mandy Hood ·
An older man and his family doctor greeting each other at a rural clinic door Research

A Doctor Who Knows You: The Quiet Advantage of Seeing the Same Physician

New research links seeing the same doctor over time to fewer hospital stays, fewer ER visits, and lower healthcare costs. Here is why that matters.

Mandy Hood ·
A gravel road running through a wide Montana valley toward distant mountains For families

Care Close to Home: What Rural Montana Families Should Know About Primary Care Access

Nearly half of Montanans live in rural areas where primary care can be hard to reach. Here is what that means for families, and what can help.

Mandy Hood ·
A hardware store owner going over the numbers in a ledger at his counter For employers

Small Business Health Costs Are Climbing Again: What Montana Employers Can Do in 2026

Small-group rates are set to rise about 11% in 2026. What that means for Montana small businesses, and how membership-based care can help.

Mandy Hood ·
Two mechanics talking in the open bay of a small-town garage For employers

Why Montana Small Businesses Are Looking at Direct Primary Care in 2026

Health costs are rising again in 2026. Here is why more Montana small businesses are turning to direct primary care to give teams better care for less.

Mandy Hood ·
A doctor sitting at a desk in a small independent clinic, notebook open, thinking through a plan For clinicians

The DPC Starter Guide

A practical, step-by-step guide to starting your own Direct Primary Care practice: pricing, legal setup, operations, and how to launch and grow.

Mandy Hood ·
A wide main street in a small eastern Montana city under big open sky Announcement

CoreMed Coming to Billings, MT

A membership approach to healthcare arrives in Billings, reshaping how individuals and businesses think about medical care.

Mandy Hood ·