Health Insurance
We provide access to multiple health insurance carriers and plan options for individuals, employers, and Medicare beneficiaries in Oregon and Washington. Our services include:
- Plan comparisons based on needs and budget
- Eligibility checks for Advanced Premium Tax Credits (APTC) and cost-sharing reductions
- Assistance locating in-network providers
- Enrollment support (online, phone, or in-person)
- Year-round agent support, including Open Enrollment
- Reporting life changes to maintain tax credits and benefits
- Guidance on additional financial support options available outside the Marketplace
Individual Health Plans
If you are self-employed, recently lost employer coverage, retiring early, or seeking private health insurance options, we’re here to help. We offer individual health plans both directly with insurance carriers and through the federal and state Marketplaces, including HealthCare.gov and Washington Healthplanfinder.
As licensed and certified Marketplace brokers, we provide full enrollment support and ongoing service throughout the year.
If you are enrolled in a Marketplace plan and receive an Advanced Premium Tax Credit (APTC), it is important to report life changes (income, household size, address changes, etc.) to ensure your eligibility and tax credits remain accurate. The APTC is based on income, tax filing status, and other household information. Contact us anytime if you have questions about your individual health insurance tax credit.
Individual Plans in Oregon
- BridgeSpan Health Company
- Kaiser Health Plan of the Northwest
- Moda Health Plan, Inc.
- PacificSource Health Plans
- Providence Health Plans
- Regence BlueCross BlueShield of Oregon
Individual Plans in Washington
- BridgeSpan Health Company
- Community Health Plan of Washington
- Coordinated Care Corporation
- Kaiser Foundation Health Plan of the Northwest
- Kaiser Foundation Health Plan of Washington
- LifeWise Health Plan of Washington
- Molina Healthcare of Washington, Inc.
- Premera Blue Cross
- Providence Health Plan
Employer Health Plans
Providing affordable, high-quality health insurance is an important part of supporting your employees. We offer a wide range of group health insurance options tailored to employers in Oregon and Washington.
- Employers with 50+ full-time employees are generally required to offer basic health coverage to eligible employees
- Employers with fewer than 50 employees are not required to offer coverage, but many choose to do so
- Small employers often share premium costs with employees
- Employer-sponsored coverage may offer favorable tax treatment and pre-tax payroll deductions
- In many cases, employee costs under group plans are lower than private individual plans
Some small employer plans qualify for tax credits of up to 50% of the employer’s premium contribution (35% for eligible non-profits) for up to 24 months. Eligibility is based on group size and average employee wages (excluding owner salary).
Employer Health Plans in Oregon
- Health Net Health Plan of Oregon, Inc.
- Kaiser Health Plan of the Northwest
- Moda Health Plan, Inc.
- PacificSource Health Plans
- Providence Health Plans
- Regence BlueCross BlueShield of Oregon
- UnitedHealthcare Insurance Company
Employer Health Plans in Washington
- Kaiser Foundation Health Plan of the Northwest
- Kaiser Foundation Health Plan of Washington Options, Inc
- Kaiser Foundation Health Plan of Washington
- Premera Blue Cross HMO
- Premera Blue Cross
- Regence BlueCross BlueShield of Oregon
- Regence BlueShield
- UnitedHealthcare Insurance Company
Medicare Advantage, Prescription Drug & Medicare Supplement Plans
If you are turning 65 within the next year or qualify due to disability, you may become eligible for Medicare. Now is a great time to review your options and plan ahead.
We provide guidance on:
- Medicare Advantage Prescription Drug (MAPD) plans
- Stand-alone Prescription Drug Plans (Part D)
- Medicare Supplement (Medigap) plans
- Dental, Vision, Hearing, etc.
Medicare Advantage plans typically include preventive care, hospital and outpatient coverage, and often prescription drug coverage. Some plans may include additional benefits such as vision, hearing, dental, fitness memberships, and other extras. Contact us for personalized assistance with Medicare enrollment and plan comparisons.
Short-Term Medical Plans
If you experience a temporary coverage gap due to job loss or are waiting for employer or individual coverage to begin, a short-term medical plan may help bridge the gap.
Short-term plans:
- Provide coverage for new and unexpected illnesses or injuries
- Typically do not cover pre-existing conditions
- May include a non-refundable policy fee
- Are generally limited in Oregon and Washington to 90 days within a 12-month period
Available carrier:
We can assist with plan review and enrollment by phone.
International Travel Medical Plans
If you are traveling outside the United States, your domestic health plan may not provide adequate coverage. We can help you review and enroll in international travel medical insurance.
Available carrier:
Contact us before your trip to ensure you have appropriate international medical coverage in place.