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At Laughlin Insurance, we offer many carriers and options to meet your needs.  Much of our work is related to health insurance, but we also offer disability income plans, life insurance, dental, and complete exchange marketplace services for individuals and employers.  We have experienced, trained and certified agents available to you.  Contact us to review your options and complete enrollment in the plans that meet your coverage needs and your budget.

Below are some popular individual health plans for 2016

Providence Health Plan Connect plans; this is a low premium plan.  The medical home model of care provides substantial savings.  You choose a medical home from the Connect Network.  Referrals are necessary. This plan includes an accident benefit, generic pharmacy copay, mental health, alternative care, adult vision, and pediatric preventive dental. 

Providence Balance 6800; the Providence Balance 6800 is one of the lowest cost bronze level plans that has copays.  This plan includes the Providence national Signature Network.  This plan includes copays for primary care, specialist, alternative care, urgent care, outpatient mental health visits, chiropractic, acupuncture, generic and preferred brand prescription drugs, and adult vision exam.  This plan includes the required pediatric preventive dental. 

Moda Standard Silver; The Standard Silver plan is continuing to offer the same benefits as 2014-2015.  The Standard Silver is the same plan design at all carriers.  With Moda, this plan comes with the Beacon Network (formerly Connexus Network).  There are
copays for primary care, specialist, urgent care, outpatient mental health, generic prescriptions, and preferred brand prescriptions. 

Moda Be Prepared Silver; this is a higher level silver plan with copays for outpatient primary care, specialty care, urgent care, alternative care, accident benefit, pediatric preventive dental.  This plan also comes with the Beacon Network

Popular individual dental plans for 2016

Moda EPO Delta Dental Network Plan; this is still a good value for private dental plans.  For 2016, Moda removed the deductible, and increased the benefit maximum to $1,500.  This is a good plan for those who can use the Dental Dental Network providers.

Employer programs update 2016

Small employers
- Small employers have between 1 and 50 employees.  Oregon group health plan rates have decreased with some carriers for 2016. 
A typical group plan may include a basic base contributory bronze medical plan, buy-up options for those who need or want more coverage, some tax advantages and incentives for eligible employers.  

The federal Small Health Options Plan (SHOP); this program is not expected to be available until later in 2016 for Oregon employers.  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 - Large employers have more than 50 employees.  The employer responsibility provision of the Affordable Care Act will begin starting 2015 and 2016.  We have seen 0%-5% rate increases for large employers.  Employers with 100 or more employees are required to offer a basic bronze level health plan now to employees.  Employers with 50 to 99 employees will soon have to provide basic health insurance to employees or pay a penalty to the government.  

We have been receiving good feedback about our health insurance services.  Thank you for allowing us to help you with your important health insurance and other insurance needs.  You can read our customer testimonials

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