Benefits of Joining the Alliance

Access comprehensive healthcare coverage while managing costs efficiently

Partner with other Montana school districts through this collaborative approach to insurance. By joining the Montana School Insurance Alliance, participants will gain access to a comprehensive range of benefits, competitive premium rates, and access to a statewide, self-insured healthcare insurance trust to meet the needs of school employees and their families.

Establish and maintain a member-directed risk sharing pool

Offer insurance program that is cost competitive and meets the needs of Montana school districts

Create equitable risk sharing structures to ensure fairness and consistency for all members

Offer long term stability through large pool risk sharing, fiscally prudent operations and accounting

Commit to full transparency in all costs and accounting

Achieve goals established by HB332 to benefit Montana public schools

Three Benefits of Joining the Alliance

Year over year renewal stability due to a much larger insurance risk pool than is currently available to Montana’s public schools.

Lower fixed costs due to more efficient purchasing that leverages the size of multiple districts to buy the services of third-party administrators and pharmacy benefit managers, as well as stop loss insurance.

Qualify for the $40M incentive established by the state for an insurance program that can meet the criteria. This money is available to stabilize and improve health insurance for participating school districts.