Laughlin Insurance, Inc Home Page News Center Subscribe to Newsletter Contact Us About Us Medical Insurance Disability Income Protection Plan Life Insurance Dental Insurance Health Reform

We offer many health insurance programs throughout Oregon and Washington State.  We specialize in health insurance and are certified agents with and Washington healthplanfinder exchanges. 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 many options and find the plans that work best for you.  Please contact us for health insurance and enrollment assistance.    

Top picks for 2015 individual health insurance Open Enrollment  

LifeWise Bronze 6350 Co-Pay (top pick) 
Co-pay for Primary/Specialty/Urgent Care
$6,350 out of pocket max
Review and enroll here 

LifeWise Standard Silver
Review and enroll here.

Moda Be Prepared Silver -
High level coverage, Alternative Care
Review and enroll here.

Health Republic
Primary Care Gold and Standard Silver options 
Review and enroll here.

LifeWise Bronze 5250 HSA - Health Savings Account
Review and enroll here.

Moda Be Protected Silver
Review and enroll here.  

More plan reviews soon... 

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 and customers like it.  Oregon's Health CO-OP offers CO-Pay only plans.  A typical group plan for the new year should include a basic base contributory medical plan, buy-up options for those who need or want more coverage, some tax advantages and incentives, Federal Exchange may offer Small Health Options Plan (SHOP) by 2016?  This is expected to be a web based employer enrollment tool.  The small employer health insurance tax credit seems to be working form some employers.  There may be a limit on the number of years you may have the tax credit after 2015.  The 125b pre-tax program is working well for the savings it provides.  There has been some increased interest in group dental, life insurance, and disability packages.  

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 nor 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

Paris Laughlin agent user id PLAUGHLIN63 
National Producer Number 1012000

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

Rebecca Laughlin 
Office Assistant