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What Health Insurance plan do I pick in Washington State?

2016 is shaping up to be a big year for health insurance in Washington State. We are now looking at:

180 approved plans on the Washington Health Benefits Exchange.
• A 4.2 percent Increase approved by the Office of the Insurance Commissioner.
• Regence Blue Shield’s Innova plan is the state’s essential health benefit (EHB) benchmark plan so the tax credits are changing.

Our office has been training a few months on the different plans. There are some big differences with new carriers entering the exchange market such as Health Alliance Northwest Plan Inc, Regence BlueShield and United Healthcare of Washington. There have been significant changes in plan structures of Lifewise, Moda and Coordinated Care. We regularly reach out to carriers to find out how they function from customer feedback and with utilizing the products ourselves. Our brokers do the best to distill the information down to a usable format so that our clients can make the best possible choice in carriers.

Yes, the cost has gone up an average of 4.2 percent average for the state. This will be the second year that the benchmark plan has changed which increase consumer can cost for customers that are dependent on tax credits lowering cost. Do not base your health insurance completely on monthly premium cost; address your entire monthly health budget. There are tools available such as Health Savings Accounts and added products such as vision and dental plans that are important to round out planning for the year.

We have also seen insurance companies violating the 80/20 rule and being forced to pay back premium to customers. Insurance Companies must spend 80% of premium dollars on Health Care or else reimburse customers. I received a check from Premera for my 2014 enrollment in one of their plans.

We believe that it is important to select a broker regardless if it is our agency or not. The reason that we advocate is that it breathe life into the middle class of every communities throughout Washington State. Brokers are small businesses spread throughout the state. During the first open enrollment, if everyone had selected a broker small businesses would have been paid $1,000,000 a month by insurance companies. By selecting a broker it lowers the tax dollars being spent by the exchange and those funds could be spent on education or highway improvement. This year during open enrollment, they are dropping the call center from 650 to 350 representatives because of budget issues.

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Enrollment Centers in Washington State are unique as people are able to get help with out extra charges.



We provide Statewide help for the Washington Health Benefits Exchange. Consumers get no cost help in selecting and enrolling in health and dental plans through the Washington Healthplanfinder. There is wi-fi available. 

As a bonus, the broker partners may provide additional assistance with additional insurance products such as Medicare, Supplemental and Life Insurance products so ask. At Wenatchee, we upload documents, notarize and do our best to assist our clients in effectively using healthcare.




Broker Affiliated Enrollment Centers

Wenatchee
Suzie Health Insurance
1630 N. Wenatchee Avenue, Ste. 18, Wenatchee, WA 98801
1-509-293-9051
Schedule an appointment
info@wahbroker.org

Bellingham
Rice Insurance
1400 Broadway Street, Bellingham, WA 98225
1-360-734-1161
keith@riceinsurance.com

Kennewick
The Advisor Benefits Group
5101 W. Clearwater Avenue, Ste. 100, Kennewick, WA 99336
1-509-582-3…

2020 Healthcare Open Enrollment and Low cost plans.

Open Enrollment is November 1st through December 15th. Outside of that time frame, it requires a special documented reason.


We have been helping people enroll into plans on the Washington Healthplanfinder with out charging fees since the first Open Enrollment. Insurance is expensive and complicated. Not everyone has been trained by the Insurance Companies how their plans function nor went through the education and licensing for a Insurance Producer in Washington State.

Just as last year, there are a lot of little or no cost plans available. When I say a lot I mean that the people in charge of Healthcare.com (Centers for Medicare and Medicaid Services) put out a report stating 2/3 will be able to purchase a plan for $10 or less. An analysis Thursday from the consulting firm Avalere Health found that low-income residents in 96% of counties served by HealthCare.gov can find a basic "bronze" plan at no cost to them, factoring in subsidies. Bronze plans are skimpy, but experts sa…

1095 Forms, Do I need to file my taxes?

Hey, this is the 3rd year that we have been the Full Services Enrollment Center for the Washington Healthplanfinder. We don't charge a bunch of fees and you get access to extra services. Since it is tax season then you should know we help with 1095 Forms! Yes, we will print one out for you at our office if we are connected to your account.

Tax season is officially from January 27th to April 15, 2020. If you receive tax credits or Washington Apple Health then you need to file your taxes with the IRS. If it is not filed or filed incorrectly then the Healthcare Authority can revoke the tax credits. Yes, I have heard from more than one person that thought that they were saving money by not filing which created massive problems. The worst problems that I heard was they went the next year without healthcare!


If you are a tax professional then let me know and I will add you to this list. A person can be a paid tax return preparer as long as they have an IRS Preparer Tax Identification N…