health insurance for small business washington state

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Washington Small Business Health Insurance

Find group health insurance in wa.

health insurance for small business washington state

Washington Group Health Insurance Made Easy with eHealth

Shop Washington health insurance plans for your small business! eHealth's licensed agents can provide personalized recommendations and guidance through the application and enrollment process. Compare free quotes with no expectations to enroll and no pressure from our agents.

We're your advocate

If you ever need help dealing with the health insurance company regarding claims, billing or need any assistance, we'll be there for you., we have the best prices, prices are fixed by law. we will have the best prices on any health plan we sell., we're unbiased, we will empower you with decision making tools so that you decide what health plan is best for you., ehealth can help with health reimbursement arrangements.

To learn more about your options, call 1- , or click here to get a quote.

Does your small business qualify for Washington health tax credit?

Number of full-time workers the company employs is within, average annual wage per worker must be less than, minimum employer contribution toward employee coverage is.

If you are a small business owner with 25 full-time employees or less, and pay an average salary less than or equal to $50,000 a year, you might be eligible for a tax credit.* This tax credit was created under the Patient Protection and Affordable Care Act (PPACA) in order to give small businesses and tax-exempt organizations a break on the cost of group health insurance for their employees.

The federal tax credit will reimburse qualifying small businesses for up to 50% of the premiums they pay towards employee medical, vision and dental insurance. Tax-exempt organizations may qualify for a tax credit of up to 35% of premium expenses.

*In some states, the tax credit only applies to Qualifying Health Plans (QHPs) bought through government exchanges. Other restrictions may apply.

Small businesses with fewer than 10 full-time employees that pay average annual wages of $25,000 or less may qualify for the full credit. The amount of the credit is reduced for companies with more full-time workers and higher wages, until it is phased out entirely for those with 25 or more full-time workers and average annual wages over $50,000.

Because eligibility rules are based in part on the number of full-time employees, not the total number of all employees, businesses that use part-time help may qualify even if they employ more than 25 individuals.

health insurance for small business washington state

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Looking to purchase group health insurance in Washington ?

We offer a broad selection of Washington health plans for individuals, families and small businesses from most of the leading Washington health insurance companies.

Frequently asked questions

Do small employers have to offer health insurance in washington, how much does small business health insurance cost in washington, how many employees do you need for group health insurance in washington, washington resources for small businesses.

Business owners in Washington can expand their health insurance offerings to include group dental insurance and group vision insurance . Washington small business owners can also refer to the following resources about owning and operating a small business in Washington :

What people are saying

You can browse plans and read articles online or call and get personalized recommendations from one of our agents. No charge, no expectations to enroll.

health insurance for small business washington state

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A great agent partner makes a huge difference!

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Small Business Plans (1-50 Employees)

Taking great care of our customers is important to us. That's why we offer comprehensive plans that support the health of your employees with a focus on quality, cost, and ease.

Our small business health plans are tailored for organizations with 1-50 employees. In addition to providing medical, dental, and vision benefits for complete health coverage, all of our plans feature broad provider networks, wellness programs, and 24-hour care options.

Get a quote for your business

We'll work with you to find the best health plan options for your employees and budget.

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What are you looking for in a health plan?

Largest network of providers

health insurance for small business washington state

High-quality healthcare providers paired with lower premiums

health insurance for small business washington state

Affordable coverage in Pierce, Thurston, and Spokane WA counties

Peak Care plans

Additional plans

Dental coverage for a broad range of services

health insurance for small business washington state

Adult dental plans

Vision coverage for exams and eyewear

Adult vision plans

Learn more about our plans

Get more details about our small business health plans in our 2023 complete guide to health plan benefits brochure .

You can offer up to two or three medical plan options to your employees. Find out more in our 2023 dual and triple choice program charts .

Why businesses choose Premera

Broad provider networks.

Premera offers an array of provider network options, so you can choose the level of healthcare access that's best for your employees with our range of provider networks.

Well-rounded benefits

Attract and retain talent with appealing benefits packages that support the whole health of your employees.

Members tools and programs

Mobile apps, online tools, and built-in member support programs for a streamlined healthcare experience.

24/7 administrative ease

Manage your health benefits, pay bills, and get ready-to-share employee resources on our employer website.

Premera plans include access to high quality, affordable, and convenient medical care 24/7. Your employees can avoid the hassle, wait, and cost of an urgent care or emergency room by connecting with a virtual care provider 365 days a year—even weekends and holidays.

Small Business Plans

How much does small business health insurance cost in washington state.

health insurance for small business washington state

The average cost for small business health insurance in Washington state is $517.37 per individual covered each month, according to 2022 filings with the Washington Office of the Insurance Commissioner. You can see the publicly available rates filed by each company on its website .

The median cost per person each month is $523.01, with average costs from different health plans ranging from more than $400 to more than $600 each month.

Using the average cost, a company with 5 employees could expect to pay around $2,586 a month or $31,042 a year to cover their employees’ healthcare. It’s important to note that these are averages and costs vary between different health plans and in different parts of the state. Expect some variance on this estimate.

Why should you offer a health plan at your small business?

Here are just a few of the many benefits.

Ready to chat?

Want to chat about signing up for a health plan? Our partners are ready to help .

Get a business health plan quote

Premera offers health plans for businesses of all sizes. Sign up to chat with one of our independent broker partners about your company's needs.

Request a Quote

health insurance for small business washington state

Healthsource Staff

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health insurance for small business washington state

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health insurance for small business washington state

Washington State Health Insurance for Large and Small Businesses

Washington state nasro health insurance options include:.

We provide Washington State businesses with unbiased, trustworthy advice, and easy-to-understand explanations of benefits and rate comparisons. There is no need to rely solely upon state government web sites or heavily skewed sales pitches from health plan web sites; NASRO is your smart source for access to the health insurance plans that fit your company, provide the best value, and deliver quality health care. For a group health insurance quote use our group quote request form below.

NASRO supports President Biden’s Health Care Reform Plan and the Medicare For All Bill in Congress as steps to controlling health care costs and providing a stable and universal health care benefits system for small and large businesses. But major problems with Washington State health insurance remain. Too often the affordable health plans do not provide comprehensive group health insurance benefits. Premiums have continued to rise as the plan benefits fall. Over time it has become accepted for many businesses to no longer offer socially responsible benefits. The problems of affordability and access to health care are not the focus of the changes which are being made.

Is your health insurance company doing enough to work on behalf of your business or are they just going through the motions by providing an annual parade of new plans with ever lower benefits at renewal time? NASRO is a non-profit private broker and consultant, founded by health care consultant and advocate Robert Gaw, with only one agenda — helping you to get the affordable, high quality health care coverage you need for your company and your employees. NASRO is your advocate if you are running a socially responsible business. We are a trusted independent organization experienced in helping companies find their way through today’s complex health insurance system. With NASRO, there are no slick web sites, no complicated telephone trees, and no waits for impersonal service from out of state or overseas telemarketing centers. Let NASRO provide your business with the clear, factual answers you need in today’s ever-changing health care world.

Contact NASRO today to learn more, and get more.

The Affordable Care Act has raised the bar in terms of greater protections in the health care provided to you, your employees and their families. But that does NOT mean all health plans in Washington state are equal. We at NASRO offer the best, most appropriate health plans available. Call us today at 617-308-1525 or complete the form below to start the process.

Washington State Health Insurance Companies and Plans

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Plans for Medicare Advantage and Medicare Supplement Coverage

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Asuris Northwest Health

Kaiser Permanente of the Northwest

Kaiser Permanente’s history in the Pacific Northwest goes back to the medical group established to serve workers and their families during construction of Grand Coulee Dam in northeastern Washington in the late 1930s. During World War II, those physicians served workers and their families at the Kaiser shipyards in Portland, Ore., and Vancouver, Wash. With the closing of the shipyards in 1945, enrollment was opened to the community .

Founded in 1945, Kaiser Permanente Northwest, headquartered in Portland, Ore., comprises:

LifeWise Health Plan of Washington

Premera Blue Cross

2021 SMALL BUSINESS PLANS (1-50 EMPLOYEES)

2021 PREMERA CHOICE PPO PLANS Choice 2500 Silver Plan Choice 1500 Gold Plan Choice 1000 Gold Plan Choice 750 Gold Plan

2021 PREMERA CHOICE HSA QUALIFIED PPO PLANS Choice HSA Qualified 6200 Bronze Plan Choice HSA Qualified 3000 Silver Plan Choice HSA Qualified 1500 Gold Plan

2021 PREMERA BALANCE PPO PLANS Balance 6500 Bronze Plan Balance 3000 Silver Plan Balance 2000 Silver Plan Balance 2500 Gold Plan

2021 PREMERA BALANCE EPO PLAN Balance 8550 Bronze Plan

2021 PREMERA BALANCE HSA QUALIFIED PLANS Premera Balance HSA Qualified 6200 Bronze Plan Premera Balance HSA Qualified 3000 Silver Plan Premera Balance HSA Qualified 1500 Gold Plan

2021 PREMERA PEAK CARE PLANS Peak Care 6000 Bronze Plan Peak Care 3000 Silver Plan Peak Care 2500 Gold Plan Peak Care 1000 Gold Plan

2021 LARGE BUSINESS PLANS (51+ EMPLOYEES)

PPO Health Plans with In-Network and Out-of-Network Coverage Premera Preferred Choice PPO 500 Premera Preferred Choice PPO 1000 Premera Preferred Choice PPO 6350

HSA (Health Savings Account) Health Plans with High Deductibles and Lower Costs Premera Preferred Choice AGG HSA 1500 Premera Preferred Choice AGG HSA 3000 Premera Preferred Choice EMB HSA 6450

Regence Blue Shield

Regence Blue Shield is an Independent Licensee of the Blue Cross and Blue Shield Association. Regence now has coverage available for people and businesses in Clark County.

United Healthcare

United Healthcare Choice

Plan Information

Fixed Dollar Payments

Coinsurance Options

Lower Out of Pocket cost for network care

United Healthcare Choice Plus

Same Features as Choice Plan

Offers members a level of benefits should they choose to seek care outside the network, normally a higher coinsurance and, or deductible level

United Healthcare Options PPO

Freedom to choose any doctor for your health care needs. No referrals needed

Cost savings by going to a network physician

It’s the member’s responsibility to obtain approvals for both network and non-network services

If a non-network physician is chosen, out of pocket costs will be higher and it is the members responsibility to submit claims

Contact Us for Plan Details [

Additional NASRO Services Coming Soon

Washington Medical Quality Assurance Commission Information on physician profiles for consumers

We regret to announce that our long time representative in Washington, Daniel Jacobs has passed away suddenly. Daniel was a wonderful person to work with, who shared our perspective of putting people first, support of Single Payer Health Care over large corporate control of health care. Please contact NASRO at 206-512-5416 with any questions about your current health plan or your search for a new health plan.

Robert G. Gaw – License number 954025, is the designated responsible state of Washington licensed person for NASRO.

NASRO 1700 7th Avenue, Suite 2100 Seattle, WA 9810

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health insurance for small business washington state

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SHOP Resources & Tools

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health insurance for small business washington state

New Guide: Health Reimbursement Arrangements (HRAs)

Compare your options for offering HRAs or group coverage.

Offer SHOP insurance to your employees

If you are a small employer (generally one with 1-50 employees), you may be able to offer them Small Business Health Options Program (SHOP) coverage. Select your state to learn more.

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Apply any time. Choose your state, and we’ll tell you your next steps.

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Washington Small Business Health Insurance Information

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Building a successful business is hard work. Finding affordable small business health insurance doesn’t have to be. All small businesses face special challenges when it comes to finding and getting health insurance coverage. Luckily, recent health care reform legislation provides small businesses with special opportunities to secure affordable health insurance.

Washington Core Small Business Health Insurance Options

When evaluating your small business health insurance options in Washington, you should immediately compare the costs and benefits of the following three options:

Offering Traditional Small Business Health Insurance Coverage,

Offering a Defined Contribution Health Plan that Reimburses Employees for Individual Health Insurance Coverage, and

Offering Nothing

Washington Small Business Health Insurance Overview

There are two primary categories of health insurance for small businesses to choose from:

Individual health insurance,

Group health insurance.

1) Individual Health Insurance

Individual health insurance plans are health insurance plans purchased by individuals to cover themselves or their families. Anyone can apply for individual health insurance. Small business owners who can’t offer group coverage due minimum contribution (or minimum participation) requirements typically purchase individual and family plans for themselves and their families. In 2014, insurance companies will no longer be able to decline individuals for individual health insurance based on a pre-existing medical condition. Also, starting in 2014, there are new special tax incentives available to businesses and employees when employees purchase individual health insurance. In some cases, self-employed persons who purchase their own health insurance may be able to deduct the cost of their monthly premiums. When small businesses decide on the individual health insurance route, they often create a "Pure" Defined Contribution Health Plan to reimburse employees tax-free for individual premiums .

2) Group Health Insurance

Group health insurance plans are a form of employer-sponsored health coverage. Costs are typically shared between the employer and the employee, and coverage may also be extended to dependents. In certain states, self-employed persons without other employees may qualify for group health insurance plans.

Four Types of Washington Small Business Health Insurance Plans

Whether you’re looking at individual health insurance or group health insurance, there are several different types of health plans available. The four you should absolutely know are:

PPO Health Insurance Plans,

HMO Health Insurance Plans,

HSA-Qualified Health Insurance Plans, and

Indemnity Health Insurance Plans.

The plan type that is best for you and your employees depends on what you and your employees want, and how much you are willing to spend. Here’s a brief review of the four popular types of health insurance plans:

1) PPO Health Insurance Plans

PPO or “Preferred Provider Organization” plans are the most common. Employees covered under a PPO plan need to get their medical care from doctors or hospitals on the insurance company’s list of preferred providers in order for claims to be paid at the highest level.

2) HMO Health Insurance Plans

HMO stands for “Health Maintenance Organization.” HMO plans offer a wide range of health care services through a network of providers that contract exclusively with the HMO, or who agree to provide services to members. Employees participating in HMO plans will typically need to select a primary care physician (“PCP”) to provide most of their health care and refer them on to HMO specialists as needed.

3) HSA-Qualified Health Insurance Plans

HSA-qualified plans are typically PPO plans designed specifically for use with Health Savings Accounts (HSAs). An HSA is a special bank account that allows participants to save money – pre-tax – to be used specifically for medical expenses in the future. Section 105 Healthcare Reimbursement Plans (HRPs) are often used in place of HSAs due to their advantages for employers.

4) Indemnity Health Insurance Plans

Indemnity plans allow members to direct their own health care and generally visit any doctor or hospital. The insurance company then pays a set portion of the total charges. Employees may be required to pay for some services up front and then apply to the insurance company for reimbursement.

Washington Small Business Resources*

Washington Health Insurance Coverage:

Group Plans: There is a maximum 6-month look-back/12-month exclusionary period for pre-existing conditions on enrollees that do not have prior coverage. Benefits will vary depending on the chosen plan. Pre-existing health conditions covered.

Individual Plans: Assorted plans depending on medical needs. There is a maximum look-back period of 60 months and a maximum exclusion period of 24 months for pre-existing conditions on enrollees that do not have prior coverage. Elimination riders are permitted . Limits on pre-existing health conditions may apply.

COBRA: Coverage available for 18-36 months depending on qualifying events. Benefits are what you had with your previous employer. Pre-existing health conditions covered.

HIPAA: Benefits are based on program selected. There is no expiration of coverage. Pre-existing health conditions covered.

HIPAA: Premium assistance that pays employer-sponsored health insurance or Cobra premium available. Pre existing health conditions covered.

Washington Health Insurance Eligibility:

Group Plans: Guaranteed coverage for companies with 2-50 employees. Eligible employees must work at least 30 hours a week. Owner can count as an employee. Owner name on business license must draw wages from the company.

Individual Plans: Eligibility is subject to medical underwriting. If you are denied coverage for a medical condition, you may be eligible for AHIP, or PCIP.

COBRA: Guaranteed coverage available for employees who work for businesses with 20 or more employees. Employees have 60 days from date of termination to sign-up.

HIPAA: Must have had 18 months of continuous coverage and completely exhausted Cobra or state continuation coverage. Must not have lost coverage due to fraud or non-payment of premiums. You have 63 days to enroll.

HIPAA: Must qualify for Medicaid and have access to Employer-Sponsored Insurance or Cobra.

Washington Health Insurance Monthly Cost:

Group Plans: Costs depend on employer contribution and the + 20% of the Insurance company’s Index rate.

Individual Plans: Costs for Individual coverage vary. There are no rate caps.

COBRA: Costs vary between 102% to 150% of group health rates.

HIPAA: Premiums will depend on plan chosen.

HIPAA: Reimburses the full employer-sponsored insurance premium amount by check monthly. Pays the insurance company directly for people on COBRA or eligible small businesses.

*Source: www.coverageforall.org

Washington : Average “Single” Premium per Enrolled Employee for Employer-Based Health Insurance, 2011*

Washington : Average “Family” Premium per Enrolled Employee for Employer-Based Health Insurance, 2011*

Washington : Average “Employee-Plus-One” Premium per Enrolled Employee for Employer-Based Health Insurance, 2011*

Washington : Average Per Person Monthly Premiums in the Individual Market, 2010*

*Source: statehealthfacts.org

Small Business Health Insurance Reform

Are you ready for health care reform ("ACA") in 2014?

Today, employers are more stressed than ever. Here’s why:

The business environment is uncertain,

Employer-sponsored health insurance costs increase annually, and

New fees and penalties take effect next year, and most employers don’t fully understand how this will affect their financials.

It is time for employers to examine the specifics of healthcare reform, and start thinking strategically vs. emotionally. Change is hard. However, employers that educate themselves and plan ahead can avoid severe financial impacts.

The more change and disruption your business can embrace, the more cost savings (for both the company and your employees) you will be able to realize over the long term. In order to embrace this change, you must be familiar with the key aspects of ACA. For many small businesses, the solution to healthcare reform is simple: Offer a “Business Expense Account” for Healthcare. A new vehicle, called a Healthcare Reimbursement Plan (HRP), allows employers to get out of the health insurance business, and simply give select employees monthly allowances to spend on their own health insurance policy in a state health insurance exchange.

Listed below are key ACA components to consider when choosing small business health insurance.

Individual Health Insurance Tax Subsidies

Beginning 2014, individuals will have access to tax subsidies to buy private health insurance through the public exchange. These subsidies will be for those who enroll in a silver plan through the exchange. The subsidy caps the cost of individual health insurance at 2% - 9.5% of their household income if their household income is less than 400% above the federal poverty line. This equates to roughly $90,000 per year for a family of four.

Click here for more information on the premium subsidies.

Individual Health Insurance Tax Penalties

The Individual Mandate requires most individuals to purchase health insurance, or else pay a penalty on their tax return each year. The intention of the individual penalty is to reduce the "Free Riding" effect in the health insurance market (a free rider is someone who is healthy and does not purchase health insurance until they need it.

Click here for more information on individual tax penalties.

Small Business Health Insurance Tax Credits

Small businesses with up to 25 full-time equivalent employees may qualify for a tax credit for offering employee health benefits. The credit is broken in to two phases. Phase 1 (2010-2013) includes a tax credit worth up to 35% of a small business’s health insurance costs. Phase 2 (2014 and beyond) includes a tax credit up to 50% of a small business’s health insurance costs.

Click here for more information the tax credits.

Small Business Health Insurance Tax Penalties

Starting January 1, 2015, Employers with 50 or more full-time equivalents who do not offer minimum essential coverage can face monthly penalties if at least one employee uses a premium tax credit to obtain health insurance through the state health exchange. If you do not have more than 50 employees, you are not subject to these penalties.

Click here for more information on the business tax penalty.

The Future of Small Business Health Insurance - Defined Contribution Plans

Defined Contribution Plans allow employers to offer health benefits without offering a traditional group health insurance plan. Instead of paying costs for a specific group health plan, employers allocate tax-deductible monthly allowances for their employees to spend on private health insurance and other medical expenses tax-free.

Features of defined contribution plans include the following:

Employee Choice – employees choose a health insurance plan that best fits their needs.

Fixed Cost – employers control health care costs by allocating fixed monthly allowances for their employees.

Savings – employers using Defined Contribution Plans typically cost less than group health plans which results in saving for both the employer and employee.

Next Steps – Evaluate Your 3 Core Options

Immediately compare the costs and benefits of the following three options:

Offering a Defined Contribution Health Plan that Reimburses Employees for Individual Health Insurance Coverage, and

Offering Nothing.

PeopleKeep, Inc. 383 West Vine Street Suite 300 Salt Lake City, UT. 84123

Have sales contact you!

HMO and PPO Health Insurance Plans

Business Health Trust partners Premera Blue Cross and Kaiser Permanente – two of the most well-respected insurance companies in Washington State. Premera’s most popular plan is a PPO while Kaiser Permanente offers both an HMO and PPO.

Premera Blue Cross HSA and non-HSA Medical Plans

Premera Blue Cross medical plans are offered to employers with 5 or more enrolled employees through targeted Industry Health Trusts for companies in the following industries: Aerospace, Healthcare, Media, Tourism, Transportation & Maritime, Agriculture, Business Services, Community Service Orgs, Construction & Real Estate, End-Line Manufacturing, Information Technology, Retail, and Wholesaling.

Kaiser Permanente HSA and non-HSA Medical Plans

Kaiser Permanente medical plans are offered to employers with up to 50 employees, offering scalable, competitive benefits for even the smallest companies.

Compare Plans

Curious about the difference between HMO and PPO or the benefits of an HSA? Confused by all the acronyms?

Visit our Compare Plans page to learn how to choose a plan that is right for your business and employees.

Need a quote? Request one here.

We are an independent health insurance agency in Washington State.

334 East Fairhaven Ave., Burlington, WA 98233

(888) 299‑0949

Home » Employers » Group Health Insurance

Group Health Insurance Plans for Washington State Employers

We work with dozens of insurance companies to offer you comprehensive benefit plans tailored for your company and industry

A group family holding hands while walking in a park on a sunny afternoon.

What Is Employer Group Health Insurance?

Group health insurance is a single plan that covers a group of people. The policy is taken out by the Employer (your company) to offer to your employees and their families. Offering employer-sponsored health insurance is a necessity if you want to attract and retain quality employees.

Does every employee need to be on the plan?

In Washington State, you need to offer health insurance to every employee that meets the eligibility criteria. Typically this means XX hours per week (you decide) and there can be a probationary (waiting) period before coverage begins.

Employer group plans usually require at least 75% of the eligible employees to enroll or participate in the plan .

Employer vs Employee Cost

As the cost of health insurance has increased over the years, most employers pay a portion of the monthly premiums and have their employees contribute a portion as well.

The employer contribution percentage varies based on the size of your company and industry you operate in.

The bulk of employers in Washington State pay 75% of the premium with the employee paying 25%. However, some pay as low as 50% and others pay 100%. This amount usually comes out of their paychecks directly.

McGregor Benefits has extensive experience working with companies of varying sizes and industries to establish or enhance their health insurance plans. Schedule a consultation with us and we will analyze what is the best contribution for your company based on budget, company size, and industry.

Employer Plans Offer Premium Coverage vs Individual Plans

Employer group health insurance plans typically have lower premiums and richer benefits than Washington State individual plans.

Employer groups have access to lower deductibles, lower copays and many more benefit options than an employee could purchase on their own. Network options are typically more robust as well.

For companies, the benefits of employer group health insurance plans are employee appreciation, security, and increased productivity.

Are employers required to offer group medical insurance?

Many people assume that businesses are required to offer healthcare coverage, but that is not true. Businesses with fewer than 50 full-time equivalent employees do not have to provide coverage. Those that meet this requirement are fined if they do not offer healthcare coverage for employees. See Group Coverage Basics for more detail, or reach out to our local employer group health insurance agents .

Shot of a smiling woman and man standing inside a coffee shop looking at something on their touchscreen

Small Business Health Options Program (SHOP)

Historically the SHOP was only available from the WAhealthplanfinder. However, beginning in 2018, small business health coverage will no longer be available through WAhealthplanfinder due to no health insurance company offering.

Employers can now purchase any plan and apply to the IRS for the tax credit. Health care tax credits for up to 50% of the premium are still available to qualified small business owners.

Small business owners must pay at least half of employees’ healthcare premiums and have fewer than 25 full-time-equivalent employees who earn an average of $50,000 or less per year.

Employer Group FAQs

How many employees do you need to qualify for group health insurance.

To qualify for small group health insurance, your company needs two or more employees. This includes the owner.

What is group health insurance?

Group health insurance plans provide coverage to a group of members, commonly comprised of company employees or members of an organization. Group health members usually receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders.

How do I get group health insurance for my small business?

The most common way to get group health insurance for your small business is to go through a broker or agent. If you choose not to use an agent, you will be responsible for benefits administration tasks, such as initial and annual enrollments, and billing and claims resolution.

What is a group number for health insurance?

Each employer that purchases a health plan for its employees also has an ID number. This group number identifies the specific benefits associated with your employer’s plan. Healthcare providers use the group ID plus your member ID to file claims for your care.

Where is the group number on health insurance card?

The group number is always on the front of the health insurance card, but the specific location will vary from provider to provider.

Employee Benefits Services We Offer

We value personal relationships, affordability, reliability, compliance and simplicity.

Group Health Insurance

Medical insurance, also known as health insurance, reimburses the insured for expenses incurred from illness or injury or pays the care provider directly for those expenses.

Group Dental Insurance

Offer employees coverage for dental procedures ranging from annual exams and cleanings to fillings and root canals. Choose from multiple levels of coverage and carriers.

Group Vision Insurance

Vision insurance often covers routine eye health expenses such as eye exams, contact lens & fittings, eyeglass lenses and frames, and may provide a discount on LASIK.

Group Life Insurance

Offer employees the option to protect their family & assets in the event of the employee’s death with group life insurance plans like term or permanent life insurance policies.

Group Short Term Disability

Offer workers a portion of their salary if they are unable to work for a short period – typically three to six months.

Group Long Term Disability

Offer workers a portion of their salary if they are unable to work for longer periods – typically over 3 months.

Self-Funded Health Insurance

Reduce insurance costs for you & employees, and customize the plans that you offer to your employees.

Voluntary Benefits

Offer employees products such as dental, vision, life, LTD and accident. These are paid for by the employee through payroll deferral.

Included In Your Employer Group Health Insurance Plans

Open enrollment.

Our producers hold enrollment meetings so your employees understand the benefits and take the time to answer all questions and concerns.

Tired of all the paper forms? We offer online benefits, HR onboarding, compliance resources & ACA analytics.

We have helped thousands of employees with claim issues. We understand the claim issue pitfalls, encourage your employees to call us for help and we will call the insurance carrier on their behalf.

Annual Renewal

The moment we receive your renewal we will analyze the marketplace. We will present options so you can offer affordable benefits that are in line with your company’s expectations

Employee Benefit Insurance Agents

Talk with a broker or agent to find out about all your options on premium costs.

Tammy Masalonis

Tammy Masalonis

Jim McGregor

Dave Brunson

Julia Davenport

Julia Davenport

Brittany Gaither

Brittany Gaither

Brynn Riggins

Barry Wiebe

Barb Walker

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COMMENTS

Small business health insurance options
If you have a small business (1-50 employees), you're not required to offer your employees health insurance. If you do, you might qualify for tax credits.
Health insurance companies that sell to small businesses
Health insurance companies that sell to small businesses ; Health Alliance Northwest Health Plan (www.healthalliance.org). Chelan, Douglas, Grant, Okanogan.
Washington Small Business Health Insurance
The federal tax credit will reimburse qualifying small businesses for up to 50% of the premiums they pay towards employee medical, vision and dental insurance.
Small Business Plans (1-50 Employees)
Our small business health plans are tailored for organizations with 1-50 employees. In addition to providing medical, dental, and vision benefits for
How much does small business health insurance cost in
The average cost for small business health insurance in Washington state is $517.37 per individual covered each month, according to 2022 filings with the
Washington State Health Insurance for Large and Small Businesses
Washington State Health Insurance Companies and Plans · REQUEST A QUOTE > · Aetna · Asuris Northwest Health · HealthNet · Kaiser Permanente of the Northwest.
SHOP Coverage for Employers
Small businesses with 1 to 50 employees can get health coverage for workers in the SHOP Marketplace at Healthcare.gov. Visit today to see options.
Small Business Health Insurance in Washington
Four Types of Washington Small Business Health Insurance Plans · 1) PPO Health Insurance Plans · 2) HMO Health Insurance Plans · 3) HSA-Qualified Health Insurance
Small Business Health Insurance WA State 2021 Plans & Quotes
Business Health Trust partners Premera Blue Cross and Kaiser Permanente – two of the most well-respected insurance companies in Washington State.
Employer Group Health Insurance Plans in Washington State
Small business owners must pay at least half of employees' healthcare premiums and have fewer than 25 full-time-equivalent employees who earn an average of