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Washington Small Business Health Insurance

The reawakening of Mount St. Helens in 1980 not only heralded a new wave of respect for the strength and perseverance of nature, it brought on a new age of business growth for the state of Washington. Small businesses have been striving ever since to add their reputation to that of their home state. One way the small business owner has of competing with larger companies is to attract and keep quality employees.

In today’s age health awareness, that means providing health insurance. Employers put in $3,135 million dollars in contributions in 2003, but there is still a lot more to do, as only 45.9% of small businesses offer health insurance. Fortunately, insurance carriers in Washington are working hard to provide the small business owner access to group plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Washington Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in Washington, products are available from the following:

• Asuris Northwest Health
  
  
• Group Health Cooperative
  
  
• LifeWise Health Plan of Washington
  
  
• Regence BlueShield

Washington’s Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member. There may be minimum employer contribution required or a minimum percentage of employees enrolled in the plan to guarantee coverage.

• Insurance carriers cannot increase premium charges due to health status, however rates can vary due to demographic characteristics. They cannot vary by more than 375%. In addition, groups may be eligible for a 20% wellness discount.

• Small employers can enroll their employees in a managed care plan, which requires only a small monthly premium, and is offered through the Washington Basic Health Plan.

• Self-employed workers with no employees are eligible to enroll in a group plan. Those who choose an individual plan can deduct premium costs from their income tax.

Request a free online quote for more information on Small Business solutions in Washington >>