Montana Health Network Health Insurance Plan & Trust (EIN 816073209) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1993

Legal Domicile

Principal Officer

Bill Robinson

Phone

4062341420

Tax Period

2025-01-01 to 2025-12-31

Montana Health Network Health Insurance Plan & Trust, founded in 1993, is a mid-sized nonprofit that reported $33.2M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $37.5M exceeded revenue, resulting in a 13% operating deficit.

Mission

Multiple Employer Voluntary Employee Benefit Association

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $10,000

Program Service Revenue $32,829,558

Investment Income $403,731

Other Revenue $0

TOTAL REVENUE $33,243,289

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $3,270,136

TOTAL EXPENSES $37,465,892

Year-over-Year Comparison

	2025	2024	Change
Revenue	$33,243,289	$30,267,831	+0.1%
Expenses	$37,465,892	$29,538,544	+0.3%
Net Income	$-4,222,603	$729,287	-6.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$337,380

Total Directors

$747,337

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Bill Robinson	Chair	1.00	Officer Director	$0	$24,668	$337,380
Greg Drapes	Secretary	1.00	Officer Director	$0	$0	$0
Linda Mehlhoff	Member	0.50	Director	$0	$0	$0
Jeri Chapman	Member	0.50	Director	$0	$0	$0
Abby Lotz	Member	0.50	Director	$0	$50,619	$409,957

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$33,243,289	$37,465,892	$15,518,854	$-4,222,603
2024	$30,267,831	$29,538,544	$18,918,501	$729,287
2023	$27,163,551	$27,567,746	$18,223,766	$-404,195
2022	$22,372,514	$21,481,933	$17,621,039	$890,581
2021	$23,271,605	$21,053,642	$15,268,844	$2,217,963
2020	$22,383,916	$18,746,490	$13,227,720	$3,637,426
2019	$21,227,383	$17,961,984	$9,483,394	$3,265,399
2018	$21,200,788	$20,978,091	$6,118,531	$222,697

Montana Health Network Health Insurance Plan & Trust