Montana State Health Insurance Assistance Program (SHIP)
Free, unbiased Medicare counseling in Montana. Trained counselors go through your costs and choices with you, and they don't sell plans.
Utilities and phone
Montana's Low Income Home Energy Assistance Program (LIHEAP) pays part of your winter heating bill, and its Emergency Assistance can help when your furnace fails or your heat is about to be shut off.
You apply from Oct. 1 to April 30 through your local Human Resource Development Council or online. Montana looks at savings and other resources as well as income.
Applying is free. Nobody should charge you to apply.
Apply on the official site| Income limit, one person (2026–27 program year) | $36,120 a year for one person (60% of state median income) |
|---|---|
| Income limit, two people (2026–27 program year) | $47,234 a year for two people (60% of state median income) |
| Savings and resource limit, one person (2026–27) | $14,717 |
| Savings and resource limit, two people (2026–27) | $22,515 |
| Other programs | If your household gets SNAP, SSI or TANF, you may qualify automatically |
| Who can apply | Homeowners and renters whose main home is in Montana |
Source: Montana Department of Public Health and Human Services (source 1)
| Base heating benefit for the season (2026–27 chart, before adjustments) | $150 to $3,362, depending on the type and size of your home and your fuel. The state then adjusts it for income and local climate. |
|---|---|
| Emergency help | Emergency Assistance all year when loss of heat threatens health or safety. A one-time crisis benefit of up to $250 if your main heat source is about to be shut off (heating season only). |
Source: Montana Department of Public Health and Human Services (source 1)
| Heating help applications (winter 2026–27) | Oct. 1, 2026 to April 30, 2027 |
|---|
Source: Montana Department of Public Health and Human Services (source 2)
Where Montana's rules differ from the federal rules for LIHEAP heating and cooling help.
Source: Montana Department of Public Health and Human Services (source 1)
Source: Montana Department of Public Health and Human Services (source 2)
Free help
Free, unbiased Medicare counseling in Montana. Trained counselors go through your costs and choices with you, and they don't sell plans.
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
Newsletter
Benefit figures, deadlines and rules change every year. We'll tell you what changed and what to check, about twice a month.