US Insurance Solutions Offers Washington Health Insurance Plans at the Lowest Rates Available!
****SPECIAL NOTICE – Read our Annual Federal and Washington Market Updates****
In we can help with health insurance solutions for individuals and families as well as small businesses.
For individuals and families, we offer:
For small businesses, we offer:
Note: If you would like to discuss your health insurance options, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options
The following contains more information about all health plan options that we can provide.
Alternative Health Plan Package Solutions for Individuals and Families
In most cases we can design a comprehensive alternative health plan package with much lower out of pocket costs on most services for 20-40% LESS than high deductible, narrow network ACA/Obamacare plans.
If you are relatively healthy and don’t qualify for a tax credit subsidy to help pay for an ACA/Obamacare plan, or if you just want to design a better plan for yourself than the “one size fits all” ACA/Obamacare plans, let us help you.
Fixed Benefit Plans:
In Washington State we work with the following company to provide the highest coverage Fixed Benefit plans available. We combine these Fixed Benefit plans with supplemental health plans (see US Supplemental Coverage) to create a comprehensive, alternative health plan package to meet each client’s specific needs and budget.
Short Term Medical Plans:
In Washington State companies offering Short Term Medical plans limit their plan duration’s to 90 days or less and only one policy per year. Because of the 90-day coverage term limit from each company, we don't usually use Short Term Medical plans in our alternative health plan packages.
In Washington we work with the following company to provide Short Term Medical plans:
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Lifemap of WA
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For more information and to get a quote and apply directly online go to our Lifemap STM Quote and Apply link.
IMPORTANT NOTE: State regulations prohibit the sale of STM plans during the ACA/Obamacare Open Enrollment for an effective date in January. So to get a January effective date, you will need to apply after open enrollment beginning on December 16th.
***Sample Alternative Plan Packages in Washington***
We are in the process of putting together some of the BEST sample alternative plan packages. These packages combine one or both of our Fixed Benefit and Short Term Medical plans (above) with supplemental plans available from the above companies and/or on our US Supplemental Coverage page.
Please check back in the future, or if you would like to discuss a CUSTOM package for yourself, please schedule a time on my calendar by going to the image above that says CALL ME and schedule a call with me on a day and time that works for you.
ACA/Obamacare Plans for Individuals and Families
In Washington ACA/Obamacare plans are available through the Washington State Health Plan Finder exchange. Insurance companies offering plans vary by county. We work with the following insurance companies in this state:
ACA/Obamacare Individual and Family Plan Quotes
WA Health Plan Finder Exchange:
Quoting Instructions: Begin by selecting the plan year for which you want to see quotes. Next, enter your home zip code. Followed by birth dates for all family members that you want to include in the quotes. Then enter your estimated family adjusted gross income to see if you are eligible for a tax credit subsidy. At the bottom of the page click "Show Plans." Once you have the quotes you can use the “Filter by” button at the top of the page to do plan comparisons using multiple variables.
Alternative Level Funded Small Group Plans
For small businesses with fewer than 50 employees, the ACA/Obamacare law applies the same rules to group health insurance plans as it does to individual plans. As a result, businesses that may have younger, healthier people to cover on a group health plan, the ACA/Obamacare fully insured group plans may not be the best option.
Therefore, we offer these companies the choice of going with an alternative level funded health plan. A level funded health plan allows a business to custom design their health benefits. Monthly premiums are fixed just like with an ACA/Obamacare plan. However, premiums on a level funded plan are typically at least 15-20% less than the same plan design on an ACA/Obamacare plan. Plus, in most years with average to below average usage of the plan, there is an opportunity to receive an additional refund at the end of each plan year.
In Washington we work with the following companies to provide the best available level funded health to meet your specific needs and budget:
Note: We are continuing to look for new companies offering alternative health plan options for small businesses. Because of that we may have other options in addition to the companies listed above.
ACA/Obamacare Small Group Plans
For small businesses with fewer than 50 employees that don’t qualify for a level funded health plan (above) for any reason, we can help with an ACA/Obamacare small group health plan.
In Washington we work with the following companies to provide the best available ACA/Obamacare small group health plan to meet your specific needs and budget:
Schedule a Call With Me:
To discuss your health insurance options and make sure you have the best possible health plan for your situation, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.