Family & Individual Medical Insurance

November 1, 2017 – December 15, 2018 is the open enrollment period for individual/family medical insurance.  This is the time to enroll or change your health insurance plan.  Experience counts and we have it.  My twenty-five-plus years of experience, knowledge, and training can help simplify this process.  This year I am working with a colleague, Thea Feltzs.  She is an experienced agent and a very nice person.  Thea specializes in individual and family medical insurance and Medicare plans.

Click HERE for help finding your 2019 health insurance choices.

There are three main avenues for individual/family medical insurance coverage:

  1. First is Medicaid / Apple Health for those who need and qualify for public assistance. Apply first through and it will vet you for the state program which will be no or very low cost.
  2. For individuals and families with a moderate income our state exchange can help you with a subsidy.
  3. Most of my clients do not qualify for a subsidy. Their first concern is access to their personal physicians and choice in hospitals.

Click HERE for assistance.

Insurance Companies

Kaiser Permanente Washington

Kaiser Permanente Washington, headquartered in Seattle, provides and coordinates health care services for more than 650,000 members, primarily in the Puget Sound region and Spokane.  Members receive care from more than 1,000 Kaiser Permanente physicians in 25 locations.

At Kaiser Permanente, their mission is to provide high-quality, affordable health care services and improve the health of our members and the communities we serve.  When members get care at Kaiser Permanente medical offices, their care experience combines personalized primary and speciality care, quality, prevention, and advanced technology, all in one convenient package.


Premera LogoPremera Blue Cross

For more than 80 years, generations of Washington families have trusted Premera as their health plan.   Starting with 2018 open enrollment period (Nov. 1 – Dec 15, 2018) you can only purchase Premera through the exchange.  They will offer three plans – a Gold, Silver, and Bronze.

These plans are Personal Care Plans. With a Personal Care Plan, you get coordinated care from a primary care doctor within a local network of providers called a partner system. You can choose a different primary care provider for each family member.  Your primary care doctor can be a family practice physician, general practice provider, geriatric practice provider, gynecologist, internist, nurse practitioner, obstetrician, pediatrician, or physician assistant.

Personal Care Partner Systems
Evergreen Health Partners
MultiCare Connected Care
Northwest Physician Network
UW Medicine Accountable Care Network
Virginia Mason Medical Center
The Everett Clinic Integrated Care Network

RegenceRegence Blue Shield

Regence Blue Shield is choosing not to offer individual/family medical coverage in 2018 and 2019.

Molina Healthcare

Molina Healthcare, a Fortune 500, multi-state healthcare organization delivers healthcare services to nearly 5 million individuals and families.  They mainly offer medicaid and medicare coverage.  In Washington state we have Molina for individuals and families through the exchange.  The Swedish system is a prefered provider with Molina Healthcare.



Ambetter is owned by Centene Corporation – a multi-national Fortune    500 company with over 30 years of experience in the Managed Care industry.  Ambetter offers a suite of health insurance products that are designed to offer quality at a low cost.

Get help choosing your 2019 health insurance plan HERE.