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At Laughlin Insurance, we specialize in health insurance for individuals, employers, and Medicare Beneficiaries.  We also offer dental plans, disability income insurance, life insurance, and other related tax and compliance resources.  We can help you compare your options and complete enrollment in the programs that meet your needs and your budget.  Plan options, rates, and provider networks vary depending on the location of your residence.  We have licensed and marketplace certified agents standing by, to help with your 2018 review and enrollment.  See our 2018 individual carrier reviews below: 

2018 Individual Health Carrier Reviews

BridgeSpan Health; BridgeSpan Health is available direct or through the marketplace, depending on the location of your residence.  Provider networks include the RealValue or OHSU Plus networks, depending on your residence location.  Most options will have in-network coverage only, unless it is an emergency, or pre-approved by the plan.  BridgeSpan is no longer available in Clark County for 2018.  Health Savings Account options are also available. 

Kaiser Health Plan of the Northwest;  Kaiser Health Plan of the Northwest is available direct or through the marketplace.  Provider networks include the Kaiser and Portland Clinics providers and facilities.  Coverage is only available for in-network care, unless it is an emergency, or pre-approved by the plan.  Typical metallic plan options are available including Health Savings Account options and dental. 

Kaiser Health Plan of Washington;  Kaiser Health Plan of Washington recently purchased Group Health Cooperative in Washington state.  Kaiser will be investing about $1 Billion over the next 10 years to expand their service area in the state of Washington.  Read more here. This plan is not available in Clark County Washington, but is available throughout many areas of Washington state.  Typical metallic plans are offered, including Health Savings Account plans, and dental.

Moda Health Plan; Moda Health Plan is available direct or through the marketplace.  Plans are only available for specific locations through Oregon.  Provider networks include the Beacon Network.  Plan members must select a primary care provider at enrollment.  Typical metallic plans are offered, including Health Savings Account plans, and dental. 

PacificSource;  PacificSource is available direct or through the marketplace.  Networks include SmartChoice and Legacy networks, depending on the location of your residence.  Typical metallic options are available including Health Savings Account plans and dental.

Providence Health Plan; this carrier is available direct or through the marketplace.  Provider networks include the Choice, and Connect Medical Home network, and the Signature network, depending on your product selection, and residence location.  Plans with the Choice and Connect networks require the selection of a Medical Home for all enrolled members.  Most options will have in-network coverage only, unless it is an emergency, or pre-approved by the plan.  The Signature network plan options are limited mainly to those outside of the Portland Metropolitan area.  Typical metallic plans are offered, including Health Savings Account options, and dental. 

Regence BlueCross BlueShield of Oregon;  Regence BlueCross is not available through the marketplace.  Provider networks include the RealValue or OHSU Plus networks, depending on your residence location.  Most options will have in-network coverage only, unless it is an emergency, or pre-approved by the plan.  Health Savings Account options are also available.

2018 Dental Carrier Reviews

Moda Health dental plans;  Moda offers various individual dental plans.  The Premier plan is discontinued for 2018.  The Delta Dental Exclusive PPO will require 30% cost share for preventive care for the new year.  Rates will vary depending on plan selection and age.

Nationwide Dental; This is a good alternative to the Moda dental plans.  This plan has various options. Review and enroll in Nationwide Dental here.


2018 Employer Group Programs

Small employers; small employers have between 2 and 49 employees.  A typical group plan may include a basic bronze medical plan, and buy-up options for employees who need or want more coverage.  Some tax advantages and incentives for certain eligible employers.  Some employers are receiving the small business health care tax credit if they meet the qualifications and purchase a qualified group health plan.

The federal Small Health Options Plan (SHOP); this program at healthcare.gov is not available in Oregon at this time.  SHOP is a web based health insurance solution for small employers.  The small employer health insurance tax credit seems to still be working form some employers.  Oregon employers who want a tax credit will need to have a qualified carrier and product and then request the plan certification from the carrier or Oregon Health Insurance Exchange for your tax advisor. The small employer health insurance tax credit is expected to have a 24 month maximum.  We have small employer activity in the Washington Healthplanfinder. 

Large Employers; an applicable large employer is an employer with more than 50 employees.  The Affordable Care Act required employers with more than 50 employees to provide minimum essential health coverage to all employees working 30 or more hours per week.  Large employer group health insurance rates have been stable. 

We have been receiving positive feedback about our health insurance services.  You can read our customer testimonials
here

Paris Laughlin
Agent and Certified Marketplace Broker
Healthcare.gov agent user id PLAUGHLIN63 
National Producer Number 1012000

Stuart Ouellette
Agent and Certified Marketplace Broker
Healthcare.gov agent user id Stuarto63 
National Producer Number 3468051
 
Victoria Monteblanco
Agent and Certified Marketplace Broker
Account Manager