Welcome to SWWC Insurance
Our Vision: MHC will be the public sector health and well-being solution.
Our Mission: We are dedicated to empowering and engaging our members in lifelong health and well-being.
Offering an insurance pool with statewide power and local control
Your Service Cooperative group health insurance pool spreads risk and reduces cost while providing you the freedom to select the doctor and health plan of your choice. You will be the decision maker to see any doctor, clinic, or hospital for your care. This freedom gives you greater satisfaction about your healthcare, which leads to perceived and actual improvements in your well-being. And it works!
Features
- Statewide risk pool under Minnesota Healthcare Consortium (MHC)
- Rating methodology to provide stability
- Lower pooling limits for catastrophic claims
- Blending your claims with regional expectations to stabilize smaller groups
- Your choice of level of assistance for mandatory bids
- Unique portfolio plan options
- A selection of consumer tools and programs customizable to each member
Advantages
- Group control of benefit design
- Dedicated Medica and Service Cooperative teams
- 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
- Vision insurance offering with VSP
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.
