Hi There.

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.

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.

Affordable health insurance for Montana.

Montana Health CO-OP offers quality, affordable coverage to all Montanans, including large and small businesses. We spend as little as possible on marketing and overhead so we can keep our premiums low. And as a nonprofit CO-OP, we must—by law—use the profit we earn to lower prices and provide additional benefits for members.

Why join a CO-OP?

Not only are our plans accepted by providers across the state but 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. We reinvest all of our profit into our Member owned organization.


Our Plans

Montana Health CO-OP offers affordable health insurance for individuals and families, as well as businesses. Our plans are accepted by providers across the state. To make our coverage even more affordable, you may also qualify for tax credits from the federal government that could reduce your costs significantly. All of our coverage plans offer preventive care services covered at 100%.


A tax credit offers financial assistance from the government that lowers your monthly insurance costs. Depending on income and family size, you may qualify for an additional tax credit to lower your deductible and other out-of-pocket expenses.
Need help?  Just call 855-447-2900.

Find out if you qualify—click here. Use our simple tool to see if you qualify for tax credits for monthly premiums and out-of-pocket costs when you use services. From this tool, you’ll be able to view the estimated monthly cost of our plans, based on our estimate of your eligibility for tax credits. For example, a family of four earning less than $97,000 (or an individual earning less than $47,080) would qualify for a tax credit, assuming they don’t have access to insurance through their employer

Go to the Health Insurance Marketplace to purchase one of our plans. To get these tax credits, you must purchase through www.healthcare.gov. Your insurance broker, folks here at Montana Health CO-OP, or other community resources can help you through this process, if you would like assistance.

Tax Credits




Contact Us

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/ General Inquiries



Our Address

PO Box 5358

Helena, MT 59604


Physical Location

810 Hialeah Ct.

Helena, Montana 59601



Open Monday – Friday  8AM – 5PM

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.


Contact Us with Questions About Coverage
Member Benefits