Health Insurance Plans in Oregon & Washington
Laughlin Insurance provides access to multiple health insurance carriers and plan options for individuals, employers, and Medicare beneficiaries throughout Oregon and Washington. As licensed independent insurance brokers, we help clients compare plans, understand eligibility for financial assistance, and enroll in coverage that fits their healthcare needs and budget.
Our role is to simplify the process and provide professional guidance so you can make informed decisions about your health coverage.
How We Help Our Clients
Our agency provides personalized assistance throughout the entire health insurance process, including:
• Comparing health insurance plans based on healthcare needs and budget
• Checking eligibility for Advanced Premium Tax Credits (APTC) and cost-sharing reductions
• Assisting with locating in-network physicians and healthcare providers
• Providing enrollment assistance online, by phone, or in person
• Offering year-round service and support, including Open Enrollment assistance
• Helping report life changes that may affect Marketplace eligibility or tax credits
• Providing guidance on financial assistance programs and coverage options
Our goal is to help individuals, families, and employers find appropriate health insurance coverage while maintaining compliance with federal and state guidelines.
Individual Health Insurance Plans
Individuals may need private health insurance for many reasons, including self-employment, retirement prior to Medicare eligibility, loss of employer coverage, or changes in household circumstances.
We assist individuals with evaluating and enrolling in health insurance plans available through insurance carriers and government marketplaces.
Our services include:
• Plan comparisons from multiple insurance carriers
• Marketplace enrollment assistance
• Tax credit eligibility reviews
• Provider network checks
• Prescription drug coverage reviews
• Ongoing service after enrollment
As licensed and certified Marketplace brokers, we can assist with plans offered through:
• HealthCare.gov (Federal Marketplace)
• Washington Healthplanfinder (Washington State Marketplace)
Our assistance is available throughout the year for questions, plan changes, and renewal reviews.
Advanced Premium Tax Credit (APTC) Guidance
Some individuals and families may qualify for financial assistance to help lower monthly health insurance premiums through the Marketplace.
The Advanced Premium Tax Credit (APTC) is based on several factors, including:
• Household income
• Household size
• Tax filing status
• Availability of other qualifying coverage
If you receive an APTC, it is important to report life changes such as income changes, address changes, or household changes so your eligibility and tax credit amount remain accurate.
Our agency can help guide you through this process and assist with updating Marketplace information when necessary.
Individual Health Insurance Carriers – Oregon
The following carriers currently offer individual health insurance 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
Plan availability and provider networks vary by region.
Individual Health Insurance Carriers – Washington
The following carriers currently offer individual health insurance 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
Coverage options and provider networks may vary depending on county and eligibility.
Employer Group Health Insurance Plans
Providing health insurance coverage can help employers support employee health, attract talent, and improve retention.
We assist employers with evaluating group health insurance options and selecting plans that meet both employer and employee needs.
Our services for employers include:
• Reviewing available group health insurance plans
• Comparing carrier networks and coverage options
• Explaining employer contribution strategies
• Assisting with employee enrollment
• Providing renewal reviews and ongoing support
• Helping employers understand eligibility for small business tax credits
In general:
• Employers with 50 or more full-time employees may be required to offer qualifying health coverage under federal regulations.
• Employers with fewer than 50 employees are typically not required to offer coverage, but many choose to provide it as an employee benefit.
• Employer-sponsored coverage may offer favorable tax treatment and pre-tax payroll deductions.
Some small employers may qualify for federal tax credits of up to 50% of employer premium contributions (35% for eligible nonprofit organizations) for up to 24 months if eligibility requirements are met.
Eligibility for these credits depends on group size and average employee wages.
Employer Health Insurance Carriers – Oregon
Group health insurance carriers available in Oregon may include:
• 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
Carrier participation and plan availability may vary by region.
Employer Health Insurance Carriers – Washington
Group health insurance carriers available in Washington may include:
• 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
Plan options and provider networks may vary by employer location and group size.
Medicare Advantage, Prescription Drug & Medicare Supplement Plans
Individuals who are turning age 65 or who qualify for Medicare due to disability may have several Medicare coverage options available.
Our agency provides general guidance and assistance with reviewing Medicare plan options, including:
• Medicare Advantage Prescription Drug Plans (MAPD)
• Stand-alone Medicare Part D Prescription Drug Plans
• Medicare Supplement (Medigap) plans
• Dental, vision, and hearing coverage options
Medicare Advantage plans typically include coverage for hospital and outpatient services and often include prescription drug coverage. Some plans may offer additional benefits such as dental, vision, hearing services, and fitness programs.
We can help individuals review their options and assist with enrollment when appropriate.
Short-Term Medical Plans
Short-term medical insurance may provide temporary coverage during certain gaps in health insurance, such as waiting for employer coverage to begin.
Short-term plans typically:
• Provide coverage for new and unexpected illnesses or injuries
• Do not cover pre-existing medical conditions
• May include policy fees or limitations on benefits
• Are not considered ACA-compliant coverage
In Oregon and Washington, short-term coverage is generally limited to 90 days within a 12-month period, subject to state regulations.
Available carrier:
• Pivot Health
Our agency can assist with reviewing plan information and enrollment options.
International Travel Medical Insurance
When traveling outside the United States, many domestic health insurance plans may provide limited or no coverage for medical care abroad.
International travel medical insurance may help cover unexpected medical expenses while traveling internationally.
Available carrier:
• International Medical Group
Travel medical coverage can help provide protection for emergency medical treatment, hospitalization, and medical evacuation during international travel.
Contact our office prior to travel to review available coverage options.
Important Information
Laughlin Insurance is an independent insurance agency. Plan availability, benefits, premiums, and eligibility requirements vary by carrier, region, and individual circumstances. Our agency provides general guidance and enrollment assistance but does not guarantee eligibility for specific programs or financial assistance.
Medicare Disclaimer
We do not offer every plan available in your area. Currently we represent multiple organizations which offer multiple products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to obtain information on all available options.