NUMBER OF UNINSURED: 176,000 state residents are uninsured, or about 18.1 percent.

WHERE THE STATE STANDS: Republican lawmakers in Montana who controlled the Legislature rejected any efforts to establish a health insurance exchange.

WHAT HAPPENS NOW: Montana insurance commissioner Monica Lindeen says the state may still make suggestions to the Department of Health and Human Services as it establishes Montana's exchange. Lindeen expects private insurers will begin submitting to her office next summer the plans they propose to sell on the exchange, at which point the cost to consumers after tax credits will become known.