Payer Overview
MONTANA HLTH COOPERATIVE Market Analysis: Market Share and Coverage by State
Montana Hlth Cooperative is a regional health insurer focused on the Mountain West with concentrated membership and premium in a small set of states. Its scale supports local contracting influence but limited national leverage.
Payer Overview
Montana Hlth Cooperative is the #117 ranked US A&H payer by reported premium and participates across 3 states with a US premium of $442.28M, giving it a US market share of 0.03%. The organization reports an estimated total membership base of 116.6K and operates with 0 affiliated subsidiaries, positioning it as a regional player with concentrated state footprints rather than a national platform.
The Cooperative's largest presences are clustered in the Mountain West, and its operating scale — measured by premium and member counts — suggests focused contracting leverage in those states rather than broad national influence. This concentrated footprint supports targeted provider-network strategies in key states while offering limited scale for nationwide negotiations.
National Market Presence
State Market Table
| State | Market Share | Premium Written | Estimated Members |
|---|---|---|---|
| ID | 0.93% | $60.1M | 12.9K |
| MT | 7.11% | $219M | 56.5K |
| WY | 10.18% | $164M | 47.2K |
| National Total | — | $442M | 116.6K |
Montana Hlth Cooperative's premium and membership are heavily concentrated in the Mountain West. The Cooperative writes $219M in Montana, $164M in Wyoming, and in Idaho, totaling across the three states with members. This geographic concentration creates strong local market influence in those states but limits national negotiating power.
Estimated Member Demographics
| Age Band | Wyoming | Idaho | Montana | National Total |
|---|---|---|---|---|
| Under 6 | 2822 | 817 | 3095 | 6734 |
| 6–18 | 8336 | 2378 | 8268 | 18982 |
| 19–25 | 4107 | 1278 | 5339 | 10724 |
| 26–34 | 5419 | 1527 | 6578 | 13525 |
| 35–44 | 6897 | 1840 |
Trek Health ingests and normalizes Transparency in Coverage data and payer policy updates to give provider organizations a clear view of how commercial reimbursement behaves across markets, payers, and services. Our platform transforms raw payer disclosures into structured intelligence that supports contract evaluation, payer negotiations, and service line strategy. By combining market benchmarks with ongoing policy visibility, Trek helps teams identify variability, risk, and opportunity in commercial reimbursement. The result is faster insight, stronger negotiating positions, and more informed financial decisions.