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About Us


Laughlin Insurance was established in 1997.  Our office is located in Portland Oregon in the Gateway area.  We offer many carriers and programs related to health insurance, Medicare, life insurance, disability income protection plans, dental plans and more.  We also provide individual and small employer exchange marketplace services for healthcare.gov and The Washingtonhealthplanfinder.  We are staffed with licensed insurance professionals who are ready to answer your questions and provide assistance. 

Employers and Human Resource professionals:  We can help you review your benefit program options to find the plans that works best for you and your employees.  There are many available options, and we have already reviewed them for you.  We can usually have rates and proposals for you for all programs within one or two days after we receive a completed employee census.  Below is a sample of an typical employer benefit program;

-Bronze co-pay PPO medical and pharmacy plan 
-Silver and Gold upgrade options for employees who want to purchase more coverage
-PPO dental plan with $1,500 annual benefit 
-Small employer health insurance tax credit, if available
-Cobra or State Continuation compliance
-125b Pre-Tax program
-Affordable Care Act exchange notice
-Compliance Advisement and resources
-Some employers add group life insurance and disability plans
-Hours for eligibility; 30
-Eligibility waiting period; first of the month following 60 days
-Employer contribution; 50%, of the lowest cost single party bronze rate, 0% for dependents


Individuals:  We offer many programs and services to meet your personal insurance needs.  We offer health insurance direct from carriers and through the health insurance exchange marketplaces.  We can help you with plan comparisons, tax credit estimates, Cost Reduction Plans, Medicare, Medicaid, Short-Term Medical plans, and more.  Other coverages that we recommend for individuals include
disability income insurance and life insurance


More information about Insurance agent services


Licensed independent insurance producers (agents and brokers) provide a wide range of services for both individual consumers and the business community. Producers interface with insurers, acquire quotes, analyze plan options, and consult clients through the purchase and renewals of health insurance plans.

Licensed independent insurance producers provide guidance regarding benefit and contribution arrangements to ensure compliance with applicable State and Federal laws and regulations; assist with establishing section 125 plan tax savings under the Internal Revenue Code, health reimbursement arrangements, flexible spending arrangements, and other programs to maximize tax advantages and ensure compliance with applicable Internal Revenue Service guidelines; create educational materials and provide on-site assistance to aid in employee benefit communication; assist in managing eligibility for new hires and terminated employees; provide advocacy for employees through the health insurance claim process; and advocate for employers with insurers in developing proposals, renewals, and for service issues throughout the year.

In order to meet these responsibilities, licensed independent insurance producers are required to complete continuing education on an ongoing basis in order to maintain appropriate licenses. This requirement to maintain educational standards helps assure the insured public that producers remain current with the ever-evolving insurance market. 

It is essential that licensed independent insurance producers continue to perform these duties, and others, as the Patient Protection and Affordable Care Act has made significant changes to the regulatory environment for health plans. To understand these changes, employers and consumers will need professional guidance even more in the future. This service is especially important for small businesses, as such producers often fill the role of a human resources department as well as professional consultant.

The National Association of Insurance Commissioners--whose core mission is to protect consumers in all aspects of the business of insurance--strongly advocates for the continuing role of licensed independent insurance producers in health insurance, and has expressed that the ability of insurance agents and brokers to continue assisting health insurance consumers at a time of rapid insurance market changes is more essential than ever.

The term 'independent insurance producer' means an insurance agent or broker, insurance consultant, benefit specialist, and any other person required to be licensed under the laws of the particular State to sell, solicit, negotiate, service, effect, procure, renew or bind policies of insurance coverage or offer advice, counsel, opinions, or services related to insurance.

There are many ways we apply our special experience and training to help you. We hope you will see extra services or resources that you did not expect. Please review the list below and let us know if you have questions or need assistance.

  • Personal customer service from licensed, experienced and friendly agents
  • Group and individual plan review mid-year or at renewal
  • 1-to-1 employee benefit consultations
  • Long term benefit planning and future rate forecasting
  • Comparative spreadsheets for group medical and dental
  • Personalized help with application materials and underwriting
  • Advanced renewal notifications as soon as carries are willing to release them to us
  • Help with claims including negotiating tips and financial assistance
  • Help with location of preferred providers in service area or around the US
  • We regularly review new carriers, products and concepts to find new opportunities for value
  • We have invested in our health reform knowledge and are prepared to answer your questions
  • We work with special programs including plans for children, the uninsured, premium subsidies
  • We support The Wallace Medical Concern
  • We are members of the National Association of Health Underwriters
  • We work with all consumers that need us so all are welcome to call us for help
  • We are available to employers, employees and individuals for personal consultations
  • We encourage employees to review plans with us to ensure the best use of benefits
  • We can be reached toll free at (877) 779-0788
  • Announcements and updates page