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Welcome to SWWC Insurance
Smarter coverage. Greater control. Stronger long-term stability.
Rising healthcare costs are one of the biggest financial pressures facing districts today.
Managing employee health benefits requires balancing cost, quality, and flexibility while staying competitive and sustainable. SWWC Insurance provides a collaborative solution that helps districts reduce volatility, maintain local control, and offer meaningful benefits to employees.
A Different Approach to Health Insurance
Through the Minnesota Healthcare Consortium (MHC), SWWC offers a statewide insurance pool with local decision-making power, giving districts the strength of a larger group without losing control. This model spreads risk across members, stabilizes costs, and provides access to high-quality plans and resources.
Statewide Pooling, Local Control
You benefit from the purchasing power of a large pool while still making decisions that fit your district.
- Shared risk across participating organizations
- Greater stability for both small and large groups
- Flexibility in plan design and coverage options
Stability You Can Plan Around
Our rating methodology is designed to provide stability:
- Lower pooling limits for catastrophic claims
- Blended claims experience to stabilize smaller groups
Choice & Flexibility for Employees
Give your employees options without adding complexity
- Freedom to choose doctors, clinics and hospitals
- Multiple plan design optoins
- Customizable tools and programs
What You Gain as a Member
- Dedicated Medica and Service Cooperative teams
- Guidance through required bidding processes
- Ongoing consultation and support
- Discounted access to medical savings and spending accounts with Wex
- COBRA and Minnesota Continuation Administration with Wex
- Education and resources available on best practices & mandates
Insurance Administration
History of Health Insurance at SWWC
- 1985: SWWC entered into its first operating agreement to provide a school district insurance pool to its members.
- 1992: Legislation allowed SWWC to provide services to cities, counties and other governmental agencies.
- 1993: Cities, counties and other governmental agencies joined the health insurance pool.
- 2003: VEBA plans became available for health insurance pool members.
- 2008: Programs focusing on employee wellness were created.
- 2017: Seven service cooperatives throughout Minnesota joined together to form the Minnesota Healthcare Consortium (MHC).
- 2020: MHC combined all 50 and under groups into one pool to help spread risk and keep costs down.
- 2023: MHC combined all 51 and over groups into one pool to help spread the risk and keep costs down.