nonprofit member-governed health-insurance cooperative

Mountain Health CO-OP

A nonprofit member-governed health-insurance cooperative serving Montana, Idaho, and Wyoming markets. Mountain Health CO-OP scores high because members govern the insurer and profits are framed for member reinvestment, though it still operates inside the constrained U.S. insurance system.

Why this matters: Mountain Health CO-OP is one of the rare health-insurance entries close to the directory's positive end.

Letter grade B Qualified High confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 12, 2026

Final Score 47* B - Qualified

BQUALIFIED47 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material47

Bonus+5

Cap66No structure cap

After Cap52

Penalties-5

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Evaluation Overview

B - Qualified

The score turns mainly on Ownership, with the largest penalty coming from Accountability Opacity.

Strengths

Ownership8/10
Governance7/10
Extraction7/10

Penalties

Accountability Opacity-2
Policy Capture-1
Subscription Capture-1
Surveillance Capture-1

Evidence state

ConfidenceHigh confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims17
Direct axis claims17
Coverage17/17

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	8 / 10	Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. On Ownership, Mountain Health CO-OP sits high for the insurance sector because member, mutual, nonprofit, or cooperative structure moves control and surplus closer to insured people. It stays below the strongest non-insurance institutions where claims gatekeeping, underwriting, or network constraints still mediate access. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	7 / 10	Mountain Health CO-OP's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. Mountain Health CO-OP's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. On Governance, Mountain Health CO-OP sits high for the insurance sector because member, mutual, nonprofit, or cooperative structure moves control and surplus closer to insured people. It stays below the strongest non-insurance institutions where claims gatekeeping, underwriting, or network constraints still mediate access. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	7 / 10	Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. On Extraction, Mountain Health CO-OP sits high for the insurance sector because member, mutual, nonprofit, or cooperative structure moves control and surplus closer to insured people. It stays below the strongest non-insurance institutions where claims gatekeeping, underwriting, or network constraints still mediate access. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	4 / 7	Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	5 / 7	Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. On Solidarity with the Unemployed, Mountain Health CO-OP belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	5 / 7	Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. On Loss-Bearing Fidelity, Mountain Health CO-OP belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	4 / 5	Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. On Market Conduct, Mountain Health CO-OP belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Product Integrity ? Preservation of quality rather than degradation for monetization.	4 / 5	Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. On Product Integrity, Mountain Health CO-OP belongs in the middle: the structure is materially better than shareholder insurance, but insured people still lack full democratic control over coverage rules, claims, pricing, or networks. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	3 / 5	Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. On Scale Integrity, Mountain Health CO-OP belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]

Penalties

Penalty	Applied	Why this penalty
Policy Capture ? Private-interest attempts to bend law, regulation, subsidies, taxes, enforcement, trade, labor, safety, competition, environmental, healthcare, housing, surveillance, civil-liberties, or consumer policy against workers, customers, citizens, affected communities, or ecological life. Public-interest advocacy is not penalized merely because it is lobbying. Range: -15 to 0.	-1	Mountain Health CO-OP's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy… Mountain Health CO-OP's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Policy Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [14]
Subscription Capture ? Manipulative recurring-payment, automatic-renewal, cancellation-friction, bundling, trial-conversion, or refund designs that profit from inertia or confusion. Range: -5 to 0.	-1	Mountain Health CO-OP's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Mountain Health CO-OP's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Subscription Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [15]
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	Mountain Health CO-OP's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Mountain Health CO-OP's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Accountability Opacity penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [16]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-1	Mountain Health CO-OP's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Mountain Health CO-OP's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Surveillance Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [17]

Bonus Credits

Bonus	Credit	Why this credit
Openness to Dissent ? Credit for tolerating internal, user, customer, worker, and public dissent without retaliation, capture, or viewpoint laundering.	1 / 3	Mountain Health CO-OP's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Mountain Health CO-OP's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Openness to Dissent credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [10]
Constitutional Spirit ? Credit for respecting constitutional rights and civil-liberties norms even where private law does not strictly require it.	1 / 3	Mountain Health CO-OP's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Mountain Health CO-OP's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Constitutional Spirit credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [11]
Good Deal ? Credit for unusually fair value: durable quality, fair pricing, low lock-in, and clear customer surplus.	2 / 3	Mountain Health CO-OP's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Mountain Health CO-OP's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Good Deal credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [12]
Cost Transparency ? Credit for clear posted prices, all-in fees, unit costs, public rate cards, margin/cost visibility, or surplus-allocation transparency, especially in markets where opaque quotes, hidden fees, or individualized pricing are normal.	1 / 3	Mountain Health CO-OP's public record makes Cost Transparency relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums,… Mountain Health CO-OP's public record makes Cost Transparency relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Cost Transparency credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Mountain Health CO-OP's public record makes Cost Transparency relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [13]

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

High 80/100

17 verified linked claims 17 direct axis claims 0 disputed claims 17/17 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

17 verified linked claims

Source quality 11/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 14/18

17 direct claims across 17 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 10/10

17/17 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceHigh confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1Mountain Health CO-OP's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model.

Ownership Verified High confidence Human-reviewed May 12, 2026

Mountain Health CO-OP aboutOfficial self-description · 68%

2Mountain Health CO-OP's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives.

Governance Verified High confidence Human-reviewed May 12, 2026

Mountain Health CO-OP aboutOfficial self-description · 68%

3Mountain Health CO-OP's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return.

Extraction Verified High confidence Human-reviewed May 12, 2026

Mountain Health CO-OP aboutOfficial self-description · 68%

4Mountain Health CO-OP's public structure does not show ordinary workers holding binding democratic control over insurance operations.

Labor Sovereignty Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP aboutOfficial self-description · 68%

5Mountain Health CO-OP's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter.

Solidarity Unemployed Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

6Mountain Health CO-OP's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs.

Loss Bearing Fidelity Verified High confidence Human-reviewed May 12, 2026

Mountain Health CO-OP aboutOfficial self-description · 68%

7Mountain Health CO-OP competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power.

Market Conduct Verified High confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

8Mountain Health CO-OP's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms.

Product Integrity Verified High confidence Human-reviewed May 12, 2026

Mountain Health CO-OP aboutOfficial self-description · 68%

9Mountain Health CO-OP's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs.

Scale Integrity Verified High confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

10Mountain Health CO-OP's public record makes Openness to Dissent relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Openness To Dissent Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

11Mountain Health CO-OP's public record makes Constitutional Spirit relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Constitutional Spirit Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

12Mountain Health CO-OP's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Good Deal Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

13Mountain Health CO-OP's public record makes Cost Transparency relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Cost Transparency Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

14Mountain Health CO-OP's public record makes Policy Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Policy Capture Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

15Mountain Health CO-OP's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Subscription Capture Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

16Mountain Health CO-OP's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Accountability Opacity Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

17Mountain Health CO-OP's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Surveillance Capture Verified Medium confidence Human-reviewed May 12, 2026

Mountain Health CO-OP membersGeneral web source · 58%

Alternatives

AGOOD51 Co-operative Insurance Companies member-owned regional mutual insurer · same market

Competitors

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