John Morrison

State Auditor
Commissioner of Insurance and Securities


Morrison proposed, designed and implemented Insure Montana, a small business health care program that uses tax credits and pooling to cover more than 10,000 workers and their family members. (Great Falls Tribune 3/11/05, article on business page and editorial); (Missoulian 12/21/05. His proposal-passed in 2005 and funded by a special tobacco tax- also included funding for the Children’s Health Insurance Program and a prescription drug program. (Missoulian 1/6/03; Great Falls Tribune 1/28/03) He also created a premium assistance program for Montana’s high risk health insurance plan that covers the chronically ill, and successfully rehabiltated a Montana Health Insurer. (Interlake 9/8/02).

John Morrison authored I-155 and chaired the Healthy Montana Kids Campaign. I-155 passed in 2008 with 70 percent of the popular vote and created the Healthy Montana Kids Plan. HMK has since covered an 20,000 children who were previously uninsured (without raising taxes).

Commissioner Morrison banned discretionary clauses in group health and disability insurance policies in Montana and, through NAIC, led creation of a model law banning the clauses. It has now been adopted in more than a dozen states, including California, New York, Illinois, Michigan and Texas, restoring to tens of millions of Americans the right to fair claim handling. Morrison's ban has been upheld in both state and courts, inclucing the U.S. Court of Appeals. Standard v. Morrison, 584 F3d 837(9th Cir. 2009). Read More...

Morrison wrote and secured passage of sweeping new privacy laws restricting unauthorized use of personal medical and financial information and credit scores. (Billings Gazette 5/8/01 (privacy)); (Great Falls Tribune. 1/29/05 (credit scoring)).

Morrison wrote the Montana Captive Insurance Act and helped launch the niche industry that has brought Montana more than two dozen new domestic insurers. (Billings Gazette 3/2/02. )

As securities commissioner, Morrison wrote and secured passage of the Montana Capital Formation Act that creates a Montana based venture capital fund ( and started InvestSmart Montana that provides investor protection education in communities across the state.( Through InvestSmart, Morrison produced a feature length documentary film narrated by J.K. Simmons (Law and Order, The Closer, Oz, Spiderman, Astronaut Farmer, Rendition). (Missoulian 9/18/07).

Morrison and his staff prosecuted the largest insurance and securities cases in the state’s history, recovering millions for victims and helping to put corrupt agents and brokers in prison. (Montana Standard 10/31/03 (O'Neill); Billings Gazette 12/21/06 (Davison)).

As a member of Montana’s Board of Land Commissioners, Morrison led creation of the State Land Bank that has acquired thousands of acres of land for the state school trust, making it accessible to the public for recreation. (Billings Gazette, 8/26/01).

Through the National Association of Insurance Commissioners, Morrison led creation of an internet portal for insurance consumers ( , chaired the committee that kept terrorism coverage in place after September 11 (Tribune 9/8/02; Interlake 1/31/02), led a national crackdown on fake Insurance and medical discount schemes (Consumer Reports July 03, June 06) , and was one of a three member delegation that opened relations between U.S. and Chinese insurance regulators.

Morrison has written numerous op/eds, including "The Climate Change Peril that Insurers See," Washington Post 9/27/07 (reprinted widely by newspapers and blogs).
His work has been covered in The Wall Street Journal (7/10/01, 10/10/01, 12/21/01), Consumer Reports, Money, Best Review and other national and regional publications.


-Senior partner, Morrison, Motl & Sherwood.

-AV Rated, Martindale Hubbell (Preeminent).

-Lead Montana Counsel, Special Assistant Attorney General, State of Montana v. Phillip Morris (The Tobacco case).

-Counsel for NBC, New York Times and other media, U.S. v. Kaczynski (the Unabomber case).

-Record verdicts and settlements (including largest settlement in Montana history).

-Lead Counsel, first medical monitoring fund class action in Montana.

-Numerous cases of first impression in the Montana Supreme Court and the Ninth Circuit.

-Visiting professor/speaker, University of Montana Law School, University of Denver Law School, University of South Dakota Law School, Stanford University, Beijing University, The Milbank Fund, The National Insurance School.

-Author of many professional journal articles, including recently keynoting a National Symposium on ERISA.


Chairman of the Board,-elect Senior Health insurance Company of Pennsylvania, ($3.2b LTC company)

Lead Trustee-elect, Senior Health Care Oversight Trust (appointed to replace former Surgeon General C. Everett Koop)

Co-founder, Montana Health Cooperative

Co-founder and President, National Alliance of State Health Cooperatives (NASHCO)

President, CASA of Montana

Board of Directors, Presidio Reinsurance Corporation

Board of Directors, Center for Health Policy Development

Public Service

-State Auditor, Insurance Commissioner, Securities Commissioner, State Lands Commissioner

-Wrote and led creation of Healthy Montana Kids. 

-Wrote and led creation of Insure Montana. 

-Created premium assistance program for Montana high-risk pool

-Banned ERISA Discretionary Clauses and wrote National Model (conferring broad rights on tens of millions of Americans). Standard Insurance Co. v. Morrison, 584 F. 3d 837 (9th Cir., Oct. 27, 2009).

-Led national crackdown on fake health insurance.

-Started Montana Captive Insurance Industry.

-Led creation of State Land Bank

-Chaired two of four major standing committees of the National Association of Insurance Commissioners.  (Market Regulation and Consumer Affairs; Health Insurance and Managed Care)

-NAIC International Vice-Chairman.  Represented NAIC in Asia, including the US-China WTO Insurance Dialogues.

-Testified before both houses of Congress

Web site hosted by Johnsons.Net