MACo Risk Sharing Services

Risk sharing is a cost-effective alternative for insurance benefits for counties and county-related boards and districts. By pooling the risk of a severe financial loss over a larger population, premiums are generally more stable, limiting the broad fluctuations that an individual county or district might otherwise experience. Below are the trusted services offered by MACo.

Health Care Trust

The MACo HCT is self-insured risk sharing pool that provides a cost-effective alternative for health insurance benefits for counties and county-related boards and districts.  Plan services such as enrollment, risk control, and wellness programs are tailored to the needs of county members.

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Property & Casualty Trust

The MACo PCT is a self-insured risk sharing pool that combines multiple lines of coverage provided by a manuscripted policy specifically designed to meet the coverage and service needs for Montana Counties and Special Districts.

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Workers' Compensation Trust

The MACo WCT is a self-insured risk sharing pool that provides statutorily mandated work comp coverage to counties to protect employees from on-the-job injuries and occupational diseases.  Services include loss control, training, and claims management.

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General Counsel Services

Access various resources including sample documents related to employee conduct and corrective discipline, as well as important information regarding the Americans with Disabilities Act (ADA) and more.

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