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We offer many individual and employer health plans in Oregon and Washington.  We have plans direct with carriers and through the health insurance marketplaces, healthcare.gov and Washington Healthplanfinder.  Our services are provided at no cost as we are affiliated agents with all of the carriers and programs we offer. Read more.  We can help you review your options and find the plans that work best for you.

Top individual health plan selections for 2015. 

LifeWise Bronze 6350 EPO; good low cost co-pay bronze plan, statewide network only coverage.  This plan is popular for those who have no expected health needs, but like copays for primary care visits or urgent care, if needed.  Other care is subject to the deductible/out of pocket maximum of $6,350 which includes copays, deductible, coinsurance and pharmacy. 
Direct enrollment
Review and enroll here 
Healthcare.gov enrollment Review and enroll here
Be sure to include your agent id at time of enrollment

LifeWise Standard Silver EPO;
higher copays for primary care, specialist, urgent care, but better benefits for Generic rx and Preferred Brand Rx.  The Standard Silver plan is the same at participating carriers.  Since the plan is standard, other comparisons may include network and price.  This seems to be the lower cost silver plan.
Direct enrollment 
Review and enroll here.
Healthcare.gov enrollment Review and enroll here

Moda Standard Silver PPO; higher copays for primary care, specialist, urgent care, but better benefits for Generic rx and Preferred Brand Rx.  The Standard Silver plan is the same at participating carriers.  Since the plan is standard, other comparisons may include network and price.  This seems to be the lower cost silver plan.
Direct enrollment
Review and enroll here.
Healthcare.gov enrollment Review and enroll here

Moda Be Prepared Silver PPO; higher level silver plan with copays for outpatient primary care, specialty care, urgent care, alternative care, accident benefit, embedded pediatric dental, Connexus Network
Direct enrollment
Review and enroll here.
Healthcare.gov enrollment Review and enroll here

Health Republic PrimaryCare EPO Plans; CO-OP Plan, Providence National Network, free office visits, free generic rx, alternative care, adult vision.  Available as gold, silver or bronze level benefits.
Direct or Exchange enrolment
Review and enroll here.

Oregon's CO-OP; copay only plans.  Broad and Select Networks.  Call for details.

Popular individual dental plans for 2015

Moda EPO and PPO individual Dental plans;
Direct enrollment
Review and enroll here


Employer programs update

Small employers
- Oregon group health plan rates have decreased with some carriers for 2015.
Read more.  Providence is looking good for small employer health plans.  Health Net is still good for Essential Copay PPO options.  Health Republic has PCP plans with Providence Network.  Oregon's Health CO-OP offers CO-Pay only plans.  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.  

The federal Small Health Options Plan (SHOP) is not expected to be available for 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. 

Small employers in Oregon may change from 2-49 employees to 1-100 employees effective January 1, 2016.  It is possible that the federal law may delay this requirement, but Oregon may adopt this new small employer group size rule for 2016.  This may create rate decreases for employers with 1-49 employees and may require rate increases for employers with 50-100 employees. 

Large Employers - The employer responsibility provision of the Affordable Care Act will begin starting 2015 and 2016.  Market sizes will be adjusted and there will be some disruption in rates again.  Some smaller employer groups may benefit from the new markets.  it is expected that there will be no more negotiations with health plans for employers under 100 starting in 2016.  The results of the large employer mandate on other markets will not be known until about 2017-2018.  

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
here.  

Paris Laughlin
Healthcare.gov agent user id PLAUGHLIN63 
National Producer Number 1012000

Stuart Ouellette
Healthcare.gov agent user id Stuarto63 
National Producer Number 3468051
 
Susan Pitcher 
Healthcare.gov agent user id PitcherS10746 
National Producer Number 6241956

Rebecca Laughlin 
Office Assistant