Medical Insurance
Group Medical Insurance for Washington Employers
Group health plans from Washington’s leading carriers — matched to your team’s needs and your budget, with every plan type explained clearly.
PPO · HMO · HDHP/HSAFully-insured & level-funded8+ medical carriers
Overview
Group medical, built around your team.
Medical coverage is the heart of any benefits package — and the part employees value most. But plan types, networks, and pricing structures can get overwhelming fast. We cut through it, translating PPOs, HMOs, deductibles, and HSAs into a clear recommendation you can stand behind.
From a five-person shop in Ellensburg to a established employer on the West side, we match group medical plans to how your team actually uses care. We also analyze your renewal against the market every year to keep your rates honest.
What’s included
- Multiple plan types (PPO, HMO, HDHP)
- Access to major regional & national networks
- Prescription drug coverage
- Telehealth and preventive care
- HSA / HRA pairing options
- Cost-control and contribution strategies
What’s Included
What our group medical insurance covers
The coverage details that make a group medical plan genuinely useful and affordable.
Flexible Plan Designs
Choose from PPO, HMO, and high-deductible options — or offer a few tiers so employees pick what fits.
Broad Networks
Keep access to the doctors and hospitals your team already uses across Washington.
Prescription Coverage
Pharmacy benefits built in, with formularies explained so there are no surprises at the counter.
Telehealth & Wellness
Virtual care and preventive services that keep employees healthy and lower long-term costs.
HSA & HRA Pairing
Pair high-deductible plans with tax-advantaged accounts to stretch every benefit dollar.
Cost Control
Level-funded and contribution strategies that protect your budget without gutting coverage.
Your Options
Group medical plan types, explained
The main flavors of group health. We’ll help you choose the right mix.
Preferred Provider
Maximum flexibility — see any provider, no referrals, with the best rates in-network. The most popular choice for mixed teams.
Health Maintenance
Lower premiums in exchange for a defined network and a primary-care coordinator. Great value when your team is local.
High-Deductible + HSA
Lower premiums paired with a tax-free Health Savings Account — ideal for cost-conscious teams and healthier populations.
Self-Funded Hybrid
A middle path for qualifying groups: potential savings and claims insight with the predictability of a fixed monthly cost.
How it works
How we build your medical plan
From first conversation to enrolled and supported.
Discovery
We learn your team, budget, and what your current plan does well or poorly.
Plan Design
We shape the plan types and contribution mix that fit your people and numbers.
Market Comparison
We compare every major Washington medical carrier side by side.
Enrollment
We run open enrollment and answer every employee’s questions.
Ongoing Support
We handle claims help and give your renewal a strategic review every year.
Carrier Partners
Plans From the Carriers You Know and Trust
We work with the region's leading insurance carriers to find the right fit for your business and your team.
Frequently Asked Questions
Common Medical Insurance Questions
What's the difference between a PPO, HMO, and HDHP?
How many employees do I need to offer a group medical plan?
Am I required to contribute to employee premiums?
Can my employees keep their current doctors?
What is a level-funded plan?
Keep Exploring
Explore our other services
Health Insurance Consultation
Not sure where to start? We’ll guide the whole plan from scratch.
Group Dental Insurance
Pair medical with popular, predictable dental coverage.
Disability Plans
Protect your team’s income when they can’t work.
Ready when you are
Let's build a benefits package that works for your team.
Schedule a free, no-obligation conversation with the consultants Washington State businesses have trusted since 2017.