Washington Insurance & Employee Benefits Insights
Practical guidance for Washington employers and individuals comparing health insurance, employee benefits, and coverage options.
Association Health Plans in Washington: More Benefit Choices for Small Businesses
Eligible Washington small businesses may have another path to valuable medical benefits and a competitive quote. Learn how a broker can help open the door to association coverage.
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2027 Numbers Washington Employers Need: HSA, FSA, ACA, PFML, WA Cares
Last reviewed: October 16, 2026. Written by Brandon Hoobler, licensed Washington insurance broker. Most of the 2027 benefit numbers Washington employers need are out as of October 16, 2026. The HSA limit rises to $4,500 for self-only coverage, and the ACA affordability percentage rises to 10.22%. The Paid Family and Medical Leave premium rises to…
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Self-Employed in Washington? Build Your 2027 Health Coverage Budget Around Income Changes
A good health insurance budget needs room for a changing business year. Learn how Washington self-employed households can estimate income, manage advance tax credits and prepare for reconciliation.
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A 90-Day Renewal Plan for Washington Employers Facing a Big Increase
Organize a difficult Washington medical renewal with an implementation calendar for quotes, decisions, employee notices, enrollment and payroll verification.
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Washington Open Enrollment 2027: What to Check Before You Accept a Higher Premium
A higher renewal notice deserves a closer look. Here is how Washington individuals, families and self-employed workers can compare 2027 coverage, financial help and the care they actually use.
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A 20% Health Plan Renewal? Build a Side-by-Side Cost Comparison Before You Switch
Compare a large Washington group medical renewal with fully insured, association, level-funded and ICHRA options using employer and employee costs.
Read MoreIs your benefits support keeping pace with your business?
A growing workforce can need a different service arrangement. Use a practical review to decide what to improve with your current broker or what to look for in another. On this page Look for a change in needsPut the service arrangement in writingAsk for a comparison you can useChoose the next stepMore articles Quick answerCompare…
Read MoreThe broker-of-record letter, explained
A broker-of-record request asks the carrier to recognize a different broker for your account. Review the form and the transition before signing. On this page Separate the decisionsA practical transition sequenceTiming varies by carrier and productBefore you decideMore articles Quick answerThe request changes representation under the carrier’s rules. It does not itself request a change…
Read More2027 Group Health Renewal Increase? Options for Washington Employers
Last reviewed: October 16, 2026. Written by Brandon Hoobler, licensed Washington insurance broker. A large 2027 renewal usually reflects rising medical and drug costs across Washington, plus changes in your own group, such as employee ages and enrollment. You also have real options to compare before your deadline. The earlier you start, the more of…
Read MoreQuestions to bring to your benefits renewal
Use these questions to make the decision easier to assess. Ask for clear assumptions, written comparisons, and a workable implementation schedule. On this page Seven useful questionsDistinguish unavailable information from an unanswered questionConfirm services and feesRecord the decisionMore articles Quick answerA useful renewal discussion explains what is changing, what alternatives were considered, and what each…
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