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Lower Rates for 2020 Health Insurance in Washington State

On September 12, 2019 the Office of the Insurance Commissioner approved the plans with a record low rate. The average rate of decrease for theplans was 3.27%. We have insurance companies expanding their coverage. The Washington Health Benefit Exchange Board later approved the plans.  Remember, we all get one year older every year so do not count on a full percentage decrease. 

Open Enrollment is November 1st through December 15th grab an appointment today.

Heavy Enrollment in Eastern Washington in 2019
This is good news to all our customers in Washington State.  It shows the individual market on the Health BenefitExchange is stabilizing. There have been proposals for Reinsurance and adding a state individual mandate both of would lower prices.  We will see if the Legislature takes the necessary steps to further lower rates. Customers will be able to enjoy the lower rates starting January 1st, 2020.  

We like to focus on the exchange plans as they provide the biggest shopping experience for consumers. They also offer the some of the best discounts.  During the 2019 Enrollment, 2 out of 3 people that selected a plan qualified to receive advanced premium tax credits to lower their costs. Of the uninsured people in 209, 1 out 3 didn’t attempt to do a quote on a health exchange.

The big picture:  In2019, the average monthly Premium was $168 per month for people using advanced premium tax credits.  In Chelan county (where our office is located) 72% qualified to receive tax credits to lower their monthly cost of healthcare. One of the lowest average costs for healthcare in the area was Okanogan County with the average premium after tax credits of only $117 a month.  Half the plans were Silver plans which have a possibility of cost sharing. (Cost Sharing is incredibly handy for lower income that use healthcare). We would not be surprised with the introduction of new plans in Chelan, Douglas and Grant Counties that the average price goes down in 2020.

The rates are only part of the good news for 2020.
More Plans and Companies

We have a new insurance carrier PacificSource Health Plans in Washington State.  They are only in three counties with five plans. If you are in Clark, Pierce and Spokane then it is worth a look. It is a start in the right direction.

Ambetter by Coordinated Care is holding strong.  They also have an amazing seven silver plans. This is one of the companies that we let the computer do the heavy lifting. If a person qualifies for Cost Sharing because of their income level then the plans change. Deductibles, Co-pays and Out of pocket maximums go down with lower income.  There are 4 levels of cost sharing so that means for just Ambetter there is 35 plan combinations just for the Silver plans. When we talked with Ambetter they said that they wanted to focus on Network improvements. If you have preferred doctors then ask your broker if they are in network.

Bridgespan has expanded out of just Klickitat. In 2020 they will also be in Clark, King and Pierce Counties. They have 20 plans and 12 of them are bronze level so there will be plenty of questions to ask your broker.

Brokers’ commissions are built into the insurance company’s premiums. Not all insurance companies will pay commission. Not all insurance companies will pay during Special Enrollments. It is why we tell everyone to always select a no charge broker. For 1 minute of your time, you put money back into the community and build a small business resource that even your neighbor can use. 

Lower plan rates.
Delta Dental was the big winner for Dental in 2019. One in five people with a qualified health plan selected Delta Dental. This was despite the big coverage change. Our household took a different approach to get better coverage.  I had two crowns last year and I still have another $800 in coverage.  A five minute talk with your broker over changes can solve a lot of headaches later.

Lifewise has gone from 12 to 33 counties, starting in 2020. LifeWise, which is a subsidiary of Premera is headed back into Chelan, Douglas, Grant, King, and more! They have six plans including two bronze plans and 1 catastrophic. We have had a ton of these requested over the years. They are high-deductible health plans for people under 30. These could be a great options if a person is healthy and money in the bank or has supplemental policies for accidents. Most Americans do not have $1000. This is why you have a discussion with your broker to review your options. 

Molina Marketplace and Kaiser Permanente are doing well.  Molina Marketplace has a 9.15% decrease and Kaiser Permanente is looking at 4.33%. The Kaiser Permanente that is being reference is the former Group Health plans as they have the largest footprint in the state for Kaiser.
If you have questions then do not hesitate to go to an enrollment center. You can get help there at no cost. We are open all year round to help out. 

We run Suzie Health Solutions in Wenatchee. We run a Full Service Enrollment Center. We can be found on Facebook. We have online tools such as our appointment widget. Not only can you set an appointment, it will send you reminders! We also do events.

On Nov 2nd in the Wenatchee Community Center from 10:00 AM to 2:00 PM we are running a Healthcare Enrollment Fair. We have invited Insurance Companies, Providers, Yoga people, etc. A person can enroll, ask questions, set appointments or just get door prizes. This will be our 6th Open Enrollment and are looking forward to it.


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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…