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What to do when offered bad health insurance from work.

‘My job offered me a plan for $60 a month but it has a huge deductible, do I have to take it? Last year it was $400 when I visited my doctor.’ We get these questions on a regular basis. I don't expect people to spend money on things that don't work or pay a penality when they don't have to. The employer offers a health plan that covers the employer for the Affordable Health Care Penalty but does very little to help the employee or their family.

In Washington State, we have our own state exchange with a lot of plans. So many plans that brokers spend months learning plans so that we can help our clients get the most out of their money. There are Health Insurance companies that will only offer their plans using the state exchange. There are also some that are priced down to the point where a 28 year old was able to get health insurance for $209 a month with a $20 co pay to see his doctor without tax credits!

There are times when it is best if a job does not offer health insurance. If the employer did not offer a health plan then the employee can shop on the exchange and possibly use tax credits. If the employee is a part timer and offered a plan that was too expensive. If employer offers a plan that is not very functional for the employee’s medical needs. Yes, we have many clients that have rejected a bad employer plan to enjoy a functional plan using the Washington Health Exchange.

My response is the same, work with a licensed professional that can answer your questions and offer guidance to what plans are out in the market. The great thing is that it costs nothing to work with a broker. I tell everyone the best way to purchase insurance is shop the broker, if you pick a good broker then they will find you a good insurance product.


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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

Suzie Health Insurance
1630 N. Wenatchee Avenue, Ste. 18, Wenatchee, WA 98801
Schedule an appointment

Rice Insurance
1400 Broadway Street, Bellingham, WA 98225

The Advisor Benefits Group
5101 W. Clearwater Avenue, Ste. 100, Kennewick, WA 99336

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 (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 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…