MONTANA HEALTH COOPERATIVE: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: MONTANA HEALTH COOPERATIVE (EIN 45-1295465)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-12-21
IRS object ID: 201603569349300760
Schema version: 2015v2.1
Note: A later return for the same period supersedes this one.
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2016-12-21T10:18:22-06:00	ReturnTs
Tax Period End	2015-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	390758449	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Wipfli LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 1699	AddressLine1Txt
City	Helena	CityNm
State Abbreviation	MT	StateAbbreviationCd
ZIP	59624	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2015-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	451295465	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Montana Health Cooperative	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	MONT	BusinessNameControlTxt
Phone	4064479510	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 5358	AddressLine1Txt
City	Helena	CityNm
State Abbreviation	MT	StateAbbreviationCd
ZIP	59604	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Larry Turney	PersonNm
Person Title	COO	PersonTitleTxt
Phone	4064479510	PhoneNum
Signature	2016-12-20	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Ryan D Lindsay CPA	PreparerPersonNm
PTIN	P00815630	PTIN
Phone	4064425520	PhoneNum
Preparation	2016-12-20	PreparationDt

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2017-02-10 21:41:12Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Amended Return	Yes (X)	AmendedReturnInd
Principal Officer	Larry Turney	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 5358	AddressLine1Txt
City	Helena	CityNm
State Abbreviation	MT	StateAbbreviationCd
ZIP	59604	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$221,274,357	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.mhc.coop	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	2010	FormationYr
Legal Domicile State	MT	LegalDomicileStateCd
Activity Or Mission	The Organization offers true non-profit member governed health insurance that promotes member engagement and provides access to high quality health care.	ActivityOrMissionDesc
Voting Members Governing Body	17	VotingMembersGoverningBodyCnt
Voting Members Independent	17	VotingMembersIndependentCnt
Total Employee	30	TotalEmployeeCnt
Total Volunteers	0	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$60,469,100	PYProgramServiceRevenueAmt
CY Program Service Revenue	$163,604,814	CYProgramServiceRevenueAmt
PY Investment Income	$570,432	PYInvestmentIncomeAmt
CY Investment Income	$227,846	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$61,039,532	PYTotalRevenueAmt
CY Total Revenue	$163,832,660	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$2,803,592	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$2,946,520	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$61,654,015	PYOtherExpensesAmt
CY Other Expenses	$201,228,599	CYOtherExpensesAmt
PY Total Expenses	$64,457,607	PYTotalExpensesAmt
CY Total Expenses	$204,175,119	CYTotalExpensesAmt
PY Revenues Less Expenses	-$3,418,075	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$40,342,459	CYRevenuesLessExpensesAmt
Total Assets BOY	$54,931,076	TotalAssetsBOYAmt
Total Assets EOY	$67,617,542	TotalAssetsEOYAmt
Total Liabilities BOY	$64,261,527	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$118,920,926	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	-$9,330,451	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	-$51,303,384	NetAssetsOrFundBalancesEOYAmt
Mission	The Organization offers true non-profit member governed health insurance that promotes member engagement and provides access to high quality health care.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$204,175,119	ExpenseAmt
Revenue	$163,604,814	RevenueAmt
Desc	The organization's largest program service accomplishment is the sale of insurance while supporting their members and adhering to federal and state guidelines as required under their organizational structure.	Desc
Total Program Service Expenses	$204,175,119	TotalProgramServiceExpensesAmt
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Engaged In Excess Benefit Trans	0	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	0	PYExcessBenefitTransInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	256	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	30	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Licensed More Than One State	Yes (1)	LicensedMoreThanOneStateInd
State Required Reserves	$0	StateRequiredReservesAmt
Reserves Maintained	$0	ReservesMaintainedAmt
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	17	GoverningBodyVotingMembersCnt
Independent Voting Member	17	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	0	MembersOrStockholdersInd
Election Of Board Members	0	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	0	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	0	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Montana Health CO-OP	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	4064473309	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 5358	AddressLine1Txt
City	Helena	CityNm
State Abbreviation	MT	StateAbbreviationCd
ZIP	59604	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
David Forbes
director	1.00	Yes (X)	$6,400	$0	$0
Ray Kuntz
director	1.00	Yes (X)	$7,600	$0	$0
Joan Miles
Chair	1.00	Yes (X)	$11,200	$0	$0	Yes (X)
John Morrison
Vice Chair	1.00	Yes (X)	$6,800	$0	$0	Yes (X)
Thomas Bassler
Director	1.00	Yes (X)	$12,408	$0	$0
Sylvia Danforth
Director	1.00	Yes (X)	$0	$0	$0
Dr Jane Gillette
Director	1.00	Yes (X)	$5,600	$0	$0
Treasa Glinnwater
Director	1.00	Yes (X)	$6,400	$0	$0
Thomas Gooch
Director	1.00	Yes (X)	$0	$0	$0
Gary Gunderson
Director	1.00	Yes (X)	$8,000	$0	$0
Andrew Holmlund
Director	1.00	Yes (X)	$0	$0	$0
Jeremy Johnson
Director	1.00	Yes (X)	$0	$0	$0
Kevin Joplin
Director	1.00	Yes (X)	$0	$0	$0
Diane Olsen
Director	1.00	Yes (X)	$6,800	$0	$0
Lori Peterson CPA
Director	1.00	Yes (X)	$0	$0	$0
Raymond Rogers
Director	1.00	Yes (X)	$8,800	$0	$0
James Stogsdill
Director	1.00	Yes (X)	$6,000	$0	$0
Larry Turney
President & COO	40.00		$242,485	$0	$10,141		Yes (X)
RICK YEARRY
CEAO	40.00		$219,270	$0	$9,891		Yes (X)
Jeaneen Campbell
CFO	40.00		$170,093	$0	$8,372		Yes (X)
Doug Damrose
Executive Director	40.00		$266,000	$0	$10,609		Yes (X)
Jerry Dworak
CEO	40.00		$352,795	$0	$19,074			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,336,651	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$58,087	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
Altius
10421 South Jordan Gateway Suite 4	South Jordan	UT	84095	Health Care Services	$1,990,437
Oliver Russell
217 S 11th Street	Boise	ID	83702	Marketing	$641,171
Milliman
1301 Fifth Avenue Suite 3800	Seattle	WA	981012646	Actuarial Services	$629,624
Re-Solutions
10 South 5th Street Suite 1108	Minneapolis	MN	55402	Re-Insurance Intermediary	$624,971
Online Insight Inc
375 Northridge Road Suite 270	Atlanta	GA	30350	Enrollment and Billing Development	$455,089

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	Sale of Insurance	Desc
Business	524298	BusinessCd
Total Revenue Column	$163,604,814	TotalRevenueColumnAmt
Related Or Exempt Func Income	$163,604,814	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$163,604,814	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$794,731	TotalRevenueColumnAmt
Related Or Exempt Func Income	$794,731	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$56,874,812	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$57,441,697	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$566,885	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$566,885	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$566,885	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$163,832,660	TotalRevenueColumnAmt
Related Or Exempt Func Income	$163,832,660	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,366,052	TotalAmt
Program Services	$2,366,052	ProgramServicesAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$127,438	TotalAmt
Program Services	$127,438	ProgramServicesAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$249,375	TotalAmt
Program Services	$249,375	ProgramServicesAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$203,655	TotalAmt
Program Services	$203,655	ProgramServicesAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$104,615	TotalAmt
Program Services	$104,615	ProgramServicesAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$11,218,117	TotalAmt
Program Services	$11,218,117	ProgramServicesAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$314,098	TotalAmt
Program Services	$314,098	ProgramServicesAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$31,951	TotalAmt
Program Services	$31,951	ProgramServicesAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$21,096	TotalAmt
Program Services	$21,096	ProgramServicesAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$281,258	TotalAmt
Program Services	$281,258	ProgramServicesAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$112,263	TotalAmt
Program Services	$112,263	ProgramServicesAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$182,932	TotalAmt
Program Services	$182,932	ProgramServicesAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$73,030	TotalAmt
Program Services	$73,030	ProgramServicesAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$29,493	TotalAmt
Program Services	$29,493	ProgramServicesAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt
Claims	$182,138,352	$182,138,352
Premium Payment	$4,066,658	$4,066,658
Agent Commissions	$2,002,915	$2,002,915
Miscellaneous	$204,000	$204,000

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$447,821	TotalAmt
Program Services	$447,821	ProgramServicesAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$204,175,119	TotalAmt
Program Services	$204,175,119	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$7,321,559	BOYAmt
EOY	$2,464,584	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$24,042,501	BOYAmt
EOY	$39,889,558	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$522,372	BOYAmt
EOY	$478,246	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$259,514	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$158,767	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$136,051	BOYAmt
EOY	$100,747	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$22,845,690	BOYAmt
EOY	$24,379,030	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$62,903	BOYAmt
EOY	$305,377	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$54,931,076	BOYAmt
EOY	$67,617,542	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$20,016,926	BOYAmt
EOY	$33,901,238	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$44,244,601	BOYAmt
EOY	$85,019,688	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$64,261,527	BOYAmt
EOY	$118,920,926	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows SFAS117	Yes (X)	OrganizationFollowsSFAS117Ind

Unrestricted Net Assets UnrestrictedNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	-$9,330,451	BOYAmt
EOY	-$51,303,384	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	-$9,330,451	BOYAmt
EOY	-$51,303,384	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$54,931,076	BOYAmt
EOY	$67,617,542	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$40,342,459	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$1,630,474	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	Yes (1)	FederalGrantAuditRequiredInd
Federal Grant Audit Performed	Yes (1)	FederalGrantAuditPerformedInd

Schedule D IRS990ScheduleD

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$259,514	OtherCostOrOtherBasisAmt
Depreciation	$158,767	DepreciationAmt
Book Value	$100,747	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$100,747	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp

Field	Value	IRS element (for citing)
Desc	Investments	Desc
Book Value	$24,379,030	BookValueAmt
Method Valuation	F	MethodValuationCd

Field	Value	IRS element (for citing)
Total Book Value Securities	$24,379,030	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	Notes Payable	Desc
Amt	$85,019,688	Amt

Field	Value	IRS element (for citing)
Total Liability	$85,019,688	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$162,202,186	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	-$1,630,474	NetUnrealizedGainsInvstAmt
Revenue Not Reported	-$1,630,474	RevenueNotReportedAmt
Revenue Subtotal	$163,832,660	RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt	$0	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$163,832,660	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$204,175,119	TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$204,175,119	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$204,175,119	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part X, Line 2:	FormAndLineReferenceDesc
Explanation	The Company is a qualified nonprofit health insurer as described in Section 501(c)(29) of the Internal Revenue Code and is exempt from federal income taxes on related income pursuant to Section 501(a) of the Code. As a matter of law, the Company is subject to examination by federal and state taxing authorities for the last three years. Although management believes that the amounts reflected in the tax returns substantially comply with the applicable federal and state tax regulations, both the IRS and the various state taxing authorities can take positions contrary to management's position based on their interpretation of the law. Any penalties and interest would be charged to interest expense in the year assessed.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (5 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
Larry Turney
President & COO	$185,883	$0	$56,602	$0	$0	$0	$13,660	$0	$0	$0	$256,145	$0	$0	$0
RICK YEARRY
CEAO	$164,253	$0	$55,017	$0	$0	$0	$13,145	$0	$0	$0	$232,415	$0	$0	$0
Jeaneen Campbell
CFO	$130,389	$0	$39,704	$0	$0	$0	$9,650	$0	$0	$0	$179,743	$0	$0	$0
Doug Damrose
Executive Director	$206,000	$0	$60,000	$0	$0	$0	$15,516	$0	$0	$0	$281,516	$0	$0	$0
Jerry Dworak
CEO	$243,878	$0	$108,917	$0	$0	$0	$15,207	$0	$0	$0	$368,002	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part I, Line 3	FormAndLineReferenceDesc
Explanation	CEO compensation is reviewed annually by the Montana Health CO-OP Compensation Committee.	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990	Amended Changes: Part V line 2b changed to yes Part V line 13a changed to yes Part VII section A reportable compensation received by directors has been added Part XII Line 2c changed to yes Part XII Line 3a changed to yes Part XII Line 3b changed to yes Part IX line 24 Other Functional Expenses adjusted to include 90 day A/R adjustment expense of 105,738 Part XI line 9 other changes in net assets amount of 105,738 removed Schedule D line 2d adjustment of net assets no longer applicable
Form 990, Part VI, Section B, line 11	The 990 will be reviewed by MHC executive staff prior to filing and will be provided to both executive staff and the board of directors.
Form 990, Part VI, Section B, line 12c	The organization regularly and consistently monitors and enforces compliance with the conflict of interest policy.
Form 990, Part VI, Section B, line 15a	CEO compensation is reviewed annually by the MHC Compensation Committee.
Form 990, Part VI, Section C, line 19	Any documents required to be available to the public can be requested at the organization's home office.
Form 990, Part XII, Line 2c:	The Audit committee performs this function