Mission Statement

The Montana Schools Health and Welfare Plan (MSHWP) is committed to improving the health of Montana’s educators. We allow School Districts to act collaboratively in providing quality health insurance for their employees.

MSHWP is committed to providing a stable, fully insured benefit program with no unknown financial exposure to the participating School Districts. This means that schools in the MSHWP can not be assessed a fee if the group’s claims exceed its premiums.

Serving Montana Schools For Two Decades

Established in the 1980s, MSHWP enables Montana’s schools to join together to stabilize rates and manage risk. Currently, over 50 Montana schools participate in MSHWP. Educators and their families from communities all across Montana—Scobey to Libby, Stevensville to Ekalaka—have benefited from the premium stability afforded through being a member of the MSHWP. Since 2002, the largest rate increase any MSHWP school has received is 11.75%. The average rate increase over the past 7 years is 7.5%.

MSHWP Servicing Philosophy

In the state of Montana, education has a long and proud tradition of local control. At MSHWP, we realize how important local support—both in the form of property taxes and assistance from local businesses—is to ensuring a schools’ success. For this reason, service responsibility for participating schools is handled locally. A school can only be as strong as the community in which it operates. Keeping business local and respecting their contributions in our rural communities is important to MSHWP and to successful schools across Montana.