Want to know the difference between and IN and OUT of Exchange plans? See the table below. You can even view our recommended plans and get a custom quote.

IN Exchange
OUT of Exchange
Subsidy Eligible based on Income No Subsidies or income qualifications
Smaller Networks Larger Networks of Providers
HMO, PPO, and POS Mostly PPO
Many Plans require Deductible to be met first Copays for most common services on Gold and Silver Plans
Least Expensive plans have High Deductibles = More Out of Pocket costs Gold and Silver plans relatively affordable with low deductibles
Good for people who need affordable coverage and qualify for a subsidy Good for those who want more choice and coverage on their terms or who don’t qualify for a subsidy
Available for legal residents or citizens, and must be able to show taxable income data and personal identification details Only requirement is that you are a resident of Washington No background check, and very little paperwork

Life Insurance

Let’s face it, protecting your family or other obligations isn’t fun, but it’s the right thing to do. We help you make a good decision and shop all the carriers so you know you are getting the right plan at the right rate. Luckily, you won’t have to talk to someone across the country or around the world, but rather you will work with our specialists here, in Washington. You will never be presented with “Cut Rate” plans or companies, only those that will be around when you need them.

Dental Plans

Nobody likes the dentist, but worse yet is being stuck with bad teeth or huge dental bills when you need even minor dental work. Did you know that for about the price of just two cleanings without a dental plan, you could get a dental plan that covers those cleanings for almost no charge, and provides you with peace of mind for those larger dental emergencies? You can get affordable dental care, whether for children (through the Exchange) or for adults. Let us show you how you can keep good dental health, and keep it affordable.

Largest Network, good plans, widely accepted Outstanding Value, No Waiting Periods, smaller network

Disability Insurance

Perhaps the most important part of protecting your future is to protect your income. After all, how would you pay your bills if you could not work for a week, a month, a year or even more? Luckily, Disability Insurance doesn’t have to be outrageously expensive. We help you find a plan that will pay you when you can’t work, and if you want, one that will pay you all the way until you reach Social Security retirement age. Call us and find out how inexpensive securing your paycheck can be.

Long Term Care

Long Term Care insurance is designed to help pay for the costs of Nursing Care, when one is not able to fully take care of themselves. As our country ages, many people are realizing that they do not have the $6,000 to $10,000 per month that a quality nursing home typically costs. And, as a further surprise to many, Medicare does not cover nursing home care. Luckily, a well planed Long Term Care policy can give you and your loved one’s peace of mind, knowing that you have protected yourself from the crushing financial burden of these costs. Which plan is right for you? We can help you navigate to the right plan and company that will be there when you need it most.

Vision Plans

Because you are reading this, we bet your eyes are pretty important to you! A good vision plan helps you maintain optimal vision and eye health. Because frames, lenses, and contact can get fairly expensive, vision plans can help you offset those costs.

The Gold Standard of Vision Plans Shop/Enroll with VSP