Reputation grade
A
Peer-relative, A–F
Insurer profile · NAIC + CMS
Montana Health Cooperative
Montana Health Cooperative's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- A
- Reputation grade
- 12.3%
- Claims denied
- 1
- States (CMS data)
The verdict
Montana Health Cooperative earns a A reputation grade - far fewer consumer problems than peers of its size, according to CMS Transparency in Coverage filings, 12.3% of its marketplace claims were denied across 1 state.
- A
- reputation grade
- 12.3%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
12.3%
CMS, 1 states
Graded on 1 of 3 measures: claim denials. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →CMS marketplace filing
Reported appeal outcomes for Montana Health Cooperative
1,163
appeals filed
279
overturned (reported outcomes)
24.0%
of appeals with a reported outcome
The reported appeals on this profile come from Montana (1,163 filed, 279 overturned).
CMS reports an overturn outcome for 1,163 of these 1,163 filed appeals; missing outcomes are excluded from the percentage. These filing totals are not a prediction for an individual appeal. View the CMS source ↗
What the data shows for Montana Health Cooperative
Montana Health Cooperative carries a A reputation grade in PlainInsurer's dataset, with a composite score of 89.7 (higher means more consumer friction relative to size). It does not yet carry enough NAIC complaint history for a normalized complaint index.
On the claims side, CMS Transparency-in-Coverage filings show Montana Health Cooperative denied 12.3% of marketplace claims across 1 reporting state - a moderate rate that still varies by plan design and network.
See where Montana Health Cooperative sits against every reporting carrier in the claim-denial rate ranking.
Source: NAIC Consumer Information Source complaint data (2024). Source: CMS Transparency in Coverage PUF (PY2026), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Other A-graded carriers in PlainInsurer's dataset include Lincoln National Life and Principal Financial, and the closest overall composite score to Montana Health Cooperative's 89.7 belongs to Common Ground Healthcare Cooperative (89.7), each rescaled across the measures that carrier reports.
Other A-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Lincoln National Life | A |
| Principal Financial | A |
| TIAA Life | A |
| Mutual of Omaha | A |
| USAA Homeowners | A |
Closest composite score to Montana Health Cooperative
Carriers with the nearest overall composite score (89.7)
| Insurer | Composite score |
|---|---|
| Common Ground Healthcare Cooperative | 89.7 |
| MercyCare HMO, Inc. | 90.3 |
| Taro Health Plan of Oklahoma, Inc. | 90.3 |
| MassMutual | 88.8 |
| Northwestern Mutual Life | 90.8 |
Questions about Montana Health Cooperative
What does Montana Health Cooperative's grade mean?
Montana Health Cooperative received a grade of A, indicating far fewer consumer problems than peers of its size.
How many complaints does Montana Health Cooperative have?
NAIC's public bulk data does not include a complaint-volume estimate for Montana Health Cooperative - the carrier may be new, small, or file under a parent company. Absence of an estimate is missing data, not evidence of zero complaints.
How do I file a complaint against Montana Health Cooperative?
File against Montana Health Cooperative through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Montana Health Cooperative a good insurance company?
PlainInsurer's A grade for Montana Health Cooperative reflects far fewer consumer problems than peers of its size relative to peers on published complaint and denial data.
What types of insurance does Montana Health Cooperative offer?
Detailed line-of-business data isn't currently available for Montana Health Cooperative. The carrier is licensed in 0 states.
Source: NAIC published complaint index + CMS Transparency in Coverage PY2026 Complaint index, reputation grade and per-state claim denial rates for Montana Health Cooperative · 2024
Share, download, and related pages for Montana Health Cooperative
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Montana Health Cooperative, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024) · CMS Transparency in Coverage PUF PY2026. Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.