What is MHC

Had enough of the sky-high prices and impersonal service of big health insurance companies in Montana? You’re not alone.

We believe everyone in Montana deserves the financial security that comes with affordable health insurance. That’s why Montanans came together in 2013 to create a less expensive alternative to the big health insurance companies. One that’s run by its members, for its members—not Wall Street. One that shares profits with its members—not shareholders. One that’s focused on your needs—not just ours.

Why join us?

You can save money.

As a CO-OP member, you have a voice and a vote in how the CO-OP is run. Our board of directors, who govern our company, must be made up of a majority of our members – not big business.

Our plans are accepted by doctors and hospitals across the state.

What do we stand for?

Our Mission:  We offer non-profit member-governed health insurance that promotes member engagement and provides access to high-quality medical care.

Our Vision:  Champion a more innovative, member-centric healthcare delivery system by promoting the triple aim where providers are engaged to improve population health, improve individual healthcare, and control healthcare spending.

Our Core Values: Customer Focus, Communication, Quality, Integrity, Responsibility, Respect, Credibility, Innovation, Teamwork.

It all comes back to you.

The cost of health insurance and medical care are two of the greatest challenges facing Montana today. We believe big health insurance companies have had their way for way too long—and that Montanans have waited long enough.  Help us bring some common sense—and competition—back to Montana health insurance. Join us!

Montana Health CO-OP does not discriminate based on race, color, national origin, disability, age, sex, gender, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.

Our Commitment to Your Care

Care and Utilization Management

MHC has contracted with the University of Utah Health Plans to both process claims and oversee our care and utilization management programs. Through these programs, care and utilization management teams assist members to obtain the right care at the right time. Through their work, these teams help our members achieve the best outcome, using nationally-recognized, evidence-based guidelines.

Want to learn more about how the University of Utah Health Plans help our members stay healthier?

Quality Improvement Strategy

MHC's mission is to improve the quality and safety of our members' health care. We measure how well we, and the professionals we work with, are doing over time. We work with many different health care providers to make your health and health care even better. Our clinical programs are based on nationally-recognized evidence-based guidelines. We aim to give you and your health care providers the information and tools needed to make good decisions


We Aim To:

  • Identify and meet the health needs of all of our members.

  • Measure, monitor and improve the care that our members get. We look at both quality and safety.

  • Understand and address racial and ethnic differences in health care.

  • Come up with ways to do our jobs even better.

  • Make sure we obey all the rules, including rules that come from federal and state regulators and accrediting groups.

  • Help medical care providers understand the measurements of the care they give and where they are doing well or could do better.

  • Make sure providers in our networks meet all of the standards.

Program Process & Expected Outcomes

Behavioral health

Each year we monitor the effectiveness of our behavioral health (BH) programs.

  • We work to bring many behavioral health providers and facilities into our network of Montana clinical care providers

  • We provide information and tools to our members, providers and BH staff to promote the use of medication according to doctors’ instructions.

  • We encourage BH providers to use assessment tools that are based on the best evidence to improve the quality of care they provide.

  • We work closely with providers to make sure that behavioral health care is provided in the best and most effective setting


We take our accreditation by the NCQA seriously. It’s how we show our commitment to:​

  • Finding ways to always keep improving

  • Meeting people’s expectations

  • Setting the MHC apart from other health plans

  • You can get more information about our NCQA accreditations on the NCQA website


As MH provides Marketplace plans, we collect data on clinical measures reporting to the Healthcare Effectiveness Data and Information Set (HEDIS®) and share the results with our accrediting organization, the National Committee for Quality Assurance (NCQA). We use the results to set new goals and improve our clinical programs each year. As a result, we expect improved member health outcomes on these measures over time.

Also, we ask members how satisfied they are with MHC and how we can improve with both administrative processes and the medical care they receive. If medical needs are severe, we involve nurses and other healthcare professionals to directly help members get the best care.

MHC seeks to improve safety by providing information to physicians and members to help them make better decisions about medications and medical care options. We work with health educators to provide member training about the benefits of getting appropriate and timely care.

Board of Directors

Mountain Health CO-OP’s Board of Directors must include a majority of members — people with our coverage who want to help direct the future of the organization.  If you are interested in joining the Board of Directors scroll down to see how to secure a nomination.

Ray Rogers is the current Board Chair of the Health CO-OP. Mr. Rogers is a Chief Executive Officer for the National Center for Health Care Informatics (NCHCI), a Montana non-profit corporation. He resides in Butte, MT.

Ray Rogers


Join the Board

Now looking for Idaho & Montana Board members

Voting Members

Voting members elect our Board of Directors, the governing body that hires the chief executive officer and makes major policy decisions. They also elect the chair of the Standing Nominating Committee, which nominates Board candidates and votes on changes to our bylaws and on advisory resolutions.


Members age 18 and older are eligible to vote. For more information email boardelection@mhc.coop.


Election results are announced at the annual membership meeting which is held in the 4th Quarter each year

Please mail your application to:

Montana Health CO-OP/Board Application
P.O. BOX 5358
Helena MT 59604

Or send electronically to: boardelection@mhc.coop

Voting Membership and Elections

In 2013, our founding members were dedicated to creating a responsive, viable health care delivery system for their community. Voting members have had a direct voice since the beginning. That includes you!

Serve on the Board of Directors

Montana Health CO-OP is governed by a board that includes members from both Mountain Health CO-OP (Idaho), Montana Health CO-OP (Montana), and Wyoming. This consumer Board of Directors hires the organization’s chief executive officer and sets the strategy, policy, and direction for our organization. Every year, several positions come open for election. The application process begins early in the year, with candidates selected for election by October.  You can download our board application below.



We’re here to help. If you have a question about one of our plans, how to use your benefits or how to make a claim, please don’t hesitate to contact us. Customer service and sales support are available by phone from 9 a.m. to 5 p.m., Monday – Friday at 844-262-1560.  Please note, Friday summer hours from Memorial Day to Labor Day are 9 a.m. to 3 p.m.




Customer Service

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General Inquiries



Broker Assistance




Click here to download an employment application.

Click here, for our current positions.



Provider Assistance

For claims, benefits and payment questions:



For contracting questions:



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Montana Health CO-OP does not discriminate on the basis of race, color, national origin, disability, age, sex, gender, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations.


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