For Consumers

Eleven insurers approved to sell 74 plans in Washington's 2019 individual market

13.57 percent average rate increase approved

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October 29, 2018

OLYMPIA, Wash. — Washington state Insurance Commissioner Mike Kreidler has approved 11 health insurers to sell 74 plans in Washington's 2019 individual health insurance market. Health insurers requested a 19.44 percent average increase, but Kreidler’s office determined that only 13.57 percent was justified. All 39 counties in the state will have at least one Exchange insurer.  

“I’m grateful increases are down from last year and that we’re seeing some moderation of rate changes, but I know these costs may be hard for many to afford — especially if they don’t qualify for subsidies," said Kreidler. “Unfortunately, the Trump administration is focused on sowing uncertainty in the insurance markets and insurers are reacting. In addition, his administration and Congress have failed to address the underlying costs of health care in this country and until they do, individuals and businesses buying health insurance will be impacted.” 

Search approved 2019 premiums by insurer and find decision memos and the complete filings for each insurer.
 
About 266,000 Washingtonians — about 4 percent of our state population — do not get employer or government-sponsored health insurance and must buy their own coverage. Individual health plans are available through the state Exchange, Washington Healthplanfinder, or directly from an insurer. However, financial subsidies are only available through the Exchange.

Last year, 207,000 people enrolled through the Exchange, and approximately 60 percent of them received a subsidy. Open enrollment — for coverage beginning Jan. 1, 2019 — starts Nov. 1 and ends Dec. 15, 2018.

2019 Approved average* rate changes by insurer
Health insurer Requested average* increase Approved average* increase Sold inside/outside Exchange or both
Asuris Northwest Health  5.73%   5.15% Outside
BridgeSpan Health Co.   .89% .30% Both
Coordinated Care Corp.     14.23%  14.37%  Exchange
Health Alliance NW   7% 7% Outside
Kaiser Foundation Health Plan of the Northwest 14.44% 14.03% Both
Kaiser Foundation Health Plan of WA  29.78% 18.61%  Both
LifeWise Health Plan of Washington  6.39% 6.51% Exchange
Molina Healthcare of Washington 10.73% 7.18% Exchange
Premera Blue Cross 5.49% 2.18% Exchange
Regence BlueShield of Oregon 7.52% 6.90% Outside
Regence BlueShield  2.57% 1.99% Outside

Total approved average* change

*weighted by enrollment as of March 2018

19.44% 13.57  


“Consumers needing individual health insurance should take advantage of open enrollment to double-check their options this year,” said Kreidler. “There may be additional coverage choices, depending on where you live. Getting an early start is also a good idea, as the upcoming enrollment period is shorter than in previous years.“