Health Insurance
Broker Compensation Disclosure
Marketplace Consent and Attestation Forms
Health Insurance
We provide access to multiple health insurance carriers and plan options for individuals, employers, and Medicare beneficiaries in Oregon and Washington. Services include:
- Plan comparisons based on needs and budget
- Eligibility checks for Advanced Premium Tax Credits (APTC) and cost-sharing reductions
- Guidance on additional financial support outside the marketplace
- 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
Individual Health Plans: If you work for yourself, lost coverage through your job, or are seeking private health insurance options, we’re here to help. We offer individual health plans directly with carriers and through the Healthcare.gov and Washington Health Plan Finder Marketplaces. As licensed and certified marketplace brokers, we provide a variety of services including enrollment support.
If you have coverage through a Marketplace plan and receive a tax credit, remember to report any life changes that may affect your eligibility, tax credits, or benefits. Keeping your information up to date is essential to getting the most out of your plan. The Advanced Premium Tax Credit helps many to pay monthly health insurance premiums. The tax credit is based on income, tax filing status, and other information about the applicant. Let us know if you have questions about the 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: As an employer, ensuring your employees have access to affordable, high-quality health insurance is crucial. We offer a wide range of health insurance carriers and options tailored to meet the unique needs of your workforce in Oregon and Washington state. From cost-effective plans to comprehensive coverage, we work with you to provide solutions for your team, while helping you navigate the complexities of employee benefits. Employers with 50+ employees are required to provide basic health insurance to eligible employees. Employers with fewer than 50 employees are not required to provide health insurance to employees, but many of them do. Many small employers are partnering with their employees to purchase group health insurance, and share in the premium cost, and there are some favorable tax treatments for sponsoring or participating an employer health plan. The employee cost through group health plans, with the employer contribution, and pre-tax savings, can be lower than what the employee would pay for a private plan. Some small employer health plans options are tax credit qualified, so eligible employers can get back up to 50% of their premium contribution for up to 24 months. Eligibility is based on group size, and average employee income, not counting owner salary. Non-profit organizations may also qualify for a tax credit up to 35%.
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
TAX CREDIT – This Affordable Care Act program can provide employers with a tax credit up to 50% of the portion of the premium contributions made by the employer, for the Qualified Health Plans. The tax credit can last for 24 months. Once a qualified plan is purchased, then the plan certification can be requested form the Oregon Health Insurance Marketplace. Employers will receive a certificate that their health plans are qualified, and then employer will give the certificate to their tax advisor to be included in the next tax return. There is a lot of good information and tools available for the tax credit.
- The Small Business Health Care Tax Credit (healthcare.gov)
- Small Business Health Care Tax Credit (IRS)
- Small Business Health Care Tax Credit Estimator (healthcare.gov)
- Calculate employer premium eligible for the tax credit (Oregon Health Insurance Marketplace)
- Employers SHOP tax credits (Oregon Health Insurance Marketplace)
- Helping you understand and calculate the tax credit (Kaiser Permanente)
Medicare Advantage Prescription Drug Plans and Medicare Supplement (MediGap) Plans: If you will be age 65 within the next year, or if you are disabled, then you may become eligible for Medicare health insurance. Now would be a good time to call us to learn about your Medicare options, and planning. Medicare Advantage Prescription Drug plans include no cost preventive care, copays for many outpatient services, and hospital care. Pharmacy plans are usually included in Medicare Advantage Plans. Vision, Hearing, dental options, and free gym membership, and other extras are also included in some plans. Call us if you need assistance with your Medicare options, and enrollment.
Short Term Medical Plans: If you have a disruption in our health insurance coverage due to lay-off, or if you are waiting for a private or employer plan so start, then you may want to have a short-term medical health plan. Short Term Medical plans offer major medical insurance for when accidents, illnesses, and the unexpected happen. Carriers for short-term medical are limited. These plans usually do not cover pre-existing conditions and are designed to use for new and unexpected illness or injury, that is not primarily paid by another insurance plan. A non-refundable policy fee may apply. We can help with plan review and enrollment by phone. These types of plans are usually only available in Oregon and Washington for 90 days in one year.
- Pivot Health Short Term Medical
- Petersen International Accident Only Plan
International Travel Medical Plans: If you travel abroad, there are many risks that may not be covered by your existing insurance. if you plan to travel out of the US, give us call for review and enrollment into an International Medical Group International Travel Plan. Review plans and at