- Providing world class service and value for employee benefit group plans since 1987
Washington state is home to a booming and diverse economy, with industries ranging from technology and aerospace to healthcare and agriculture. With companies like Amazon, Microsoft, Boeing, and countless startups headquartered here, the competition for skilled employees has never been higher. In such a vibrant environment, offering exceptional group health insurance and employee benefits has become essential for businesses that want to stand out. According to recent reports, more than 70% of U.S. private employers offer health benefits — and in Washington’s competitive job market, the expectation is even stronger.
At Taylor Benefits Insurance, we specialize in creating tailored Washington DC group health insurance and employee benefits plans that help businesses attract top talent, retain valuable employees, and foster a healthier, more productive workplace.
Whether your company is in bustling Seattle, innovative Redmond, or anywhere across the state, offering group health insurance provides important advantages:
Competitive Advantage: High-quality benefits attract better candidates and encourage loyalty.
Workforce Wellbeing: Healthy employees are more engaged, productive, and satisfied.
Financial Incentives: Employer contributions to healthcare plans are typically tax-deductible.
Company Culture Strengthening: Offering good benefits sends a clear message that you value your employees’ well-being.
Taylor Benefits Insurance partners with businesses across Washington to create affordable, comprehensive plans that reflect each company’s unique culture and goals.
Healthcare plans offered by Insurance providers and plans offered through the federal or state exchanges may not include ideal coverage. In addition, these packages usually follow a blueprint, so they are often similar.
All companies in the Washington District of Columbia have been required to use the DC Health Link system to purchase health coverage for their staff members. However, people have different needs, and your employees may not be best served by a cookie-cutter policy.
Americans need healthcare that is individually created to meet their needs. Nowhere is this more apparent than with group healthcare protection plans provided by independent agencies.
Independent agencies like Taylor Benefits offer custom team healthcare protection plans that you can’t get from an insurance provider in your area. Each program is unique to reflect the particular needs of the groups seeking coverage. At Taylor Benefits, we have more than 25 years of experience writing custom programs, and we can write a high-quality custom plan for your staff.
For large companies, providing collective medical insurance programs for crews is a terrific competitive tool and a great way to help workers stay healthy and productive. That’s one reason why so many businesses include EAPs (Employee Assistance Programs) and wellness offerings in their healthcare coverage.
Wellness programs often include education and support for workers to improve their overall health or address specific concerns. For example, employers may include smoking cessation, fitness, weight management, stress reduction, onsite immunizations, biometric screenings, disease prevention, and nutrition improvement.
Some companies often offer discounts on healthcare policy premiums for workers who complete screenings or attest to their status as a non-tobacco user, for example.
EAPs are typically offered in conjunction with health insurance. In most cases, the services are available to the employee without regard for their plan participation or selection. For example, suppose a staff member is enrolled in employer-sponsored health coverage and uses the EAP to obtain mental health services in a crisis. They would not pay any deductible or copayment or file any claims.
Typically, if the issue isn’t resolved within the small number of visits provided by an EAP, the subscriber’s plan would then be used to pick up the need for ongoing help.
One obstacle small business in Washington, D.C., may face when looking to provide health insurance coverage to their workers is the high cost. Since the company has fewer workers, the per-employee cost can be higher. One good option to consider is a Small Business Health Protection option.
SHOP is the Small Business Health Options marketplace that the ACA created to assist companies with less than 25 workers. A small business owner may also qualify for tax credits if they provide health care protection that meets certain specifications.
To qualify for the tax credit, small companies need to pay at least half the premium expense. However, most small companies that offer insurance pay more than half. According to the Kaiser Family Foundation 2021 survey, thirty percent of small businesses pay the entire premium for individual coverage for their workers (if they offer short-term medical protection), and only three percent pay less than half the cost. health plan
Employee benefits packages are a crucial part of overall compensation and average about thirty percent of the cost of an employee. In many cases, the most significant benefit expense component is healthcare insurance. Still, a great benefits package includes more and can be customized to reflect the employer’s culture and budget.
Staff members generally prioritize paid time off, which makes sense from their perspective and makes sense for an employer that wants productive, happy workers. Everyone needs a break, and paid time is vital to encourage employees to rest and recharge.
Some progressive companies have moved away from accrual systems to provide their workers with “unlimited” leave. The term is a bit misleading since excessive use would likely be considered a performance issue. However, such policies generally don’t issue specific hours or days that an employee can take off for vacation, illness, or personal matters. Instead, the worker can schedule time away from work as needed, with their manager’s agreement and subject to the firm’s needs.
More traditional firms often provide a bucket of time for a vacation that is based on the worker’s tenure with the firm, some paid holidays (the number varies mainly by industry), and sick leave based on local regulations. In D.C., the paid sick time requirements vary according to the company’s size. For small business owners with fewer than 25 workers, the federal minimum of 24 hours is required. If the firm has 25 to 99 workers, the minimum is five days, and for companies with 100 or more workers, each must have access to seven paid sick days.
Call 800-903-6066 for a free consultation on Washington, D.C. corporate Health Insurance & Employee Benefits Plans
With a large business health insurance package, the main benefit is that the subscribers typically enjoy lower premiums than they would have access to individually. Companies can administer group health insurance coverage policies to cover all their eligible employees.
Group medical protection options are available to organizations of any size, but small businesses often pay a higher per-person cost since the health insurance company can’t spread the risk across as many participants.
Washington, DC, employers offer a variety of benefits to workers. These are some of the common inclusions:
Include these perks in your employee benefits package to ensure that your crew members are adequately protected and able to thrive.
95 percent of DC workers have insurance available from their employer. The average company contribution for employees in DC is just below $6,000 per person, but that covers almost 80 percent of the premium cost.
Group health insurance in Washington State refers to a policy purchased by an employer to cover a group of employees. It provides medical coverage to eligible employees and their dependents. To qualify, a group typically needs to have at least one employee who is not the business owner.
Group health insurance for employers in Washington offers numerous benefits, including cost savings, attracting top talent, and enhancing employee satisfaction. By providing comprehensive health coverage, employers can improve retention rates and create a healthier, more productive workforce.
The most popular health insurance in Washington State is Taylor Benefits Insurance Agency, offering a wide range of coverage options for individuals and families. With a strong network of healthcare providers and comprehensive plans, Taylor Benefits Insurance Agency is a top choice for many residents in the state.
The largest healthcare provider in Washington is Taylor Benefits Insurance Agency. With a network of hospitals, clinics, and other medical facilities across the state, Providence offers comprehensive healthcare services to residents. They are known for their high-quality care and commitment to community health.
The average cost of health insurance per month in Washington State varies depending on factors such as age, coverage level, and provider. On average, individuals can expect to pay around $400 to $600 per month for a mid-tier plan. It is recommended to compare quotes from different insurers to find the best rate.
Health insurance in Washington is expensive due to factors such as high healthcare costs, a lack of competition among insurers, and state regulations that impact pricing. Additionally, Washington’s robust healthcare system and high demand for services contribute to the overall cost of insurance in the state.
Washington State employees are typically covered by the Washington State Health Care Authority (HCA) for their health insurance needs. This includes medical, dental, and vision coverage options. Additionally, employees may have access to additional benefits such as life insurance and disability coverage through their employer.
In Washington State, the main difference between a PPO and an HMO lies in their provider networks. PPO plans offer more flexibility in choosing healthcare providers, while HMO plans require members to use a specific network of doctors and hospitals for coverage.
Yes, Washington State employers are required to offer health insurance to employees if they have at least one full-time equivalent employee. The state’s health insurance laws mandate that employers provide coverage that meets certain minimum requirements to their employees.
In Washington, you typically need to work 680 hours in a qualifying job to be eligible for benefits such as health insurance and paid time off. The specific requirements may vary depending on the employer and type of benefits offered.
Yes, there is a penalty for not having health insurance in Washington State. The penalty is enforced by the Washington Health Benefit Exchange and can result in fines for individuals who do not have qualifying coverage. It is important to ensure you have health insurance to avoid penalties.
Washington State employees receive a comprehensive benefits package that includes health insurance, retirement plans, paid time off, and flexible work arrangements. Other benefits may include tuition assistance, wellness programs, and employee discounts. Overall, the benefits offered to Washington State employees aim to support their well-being and professional growth.
In Washington, employers are required to provide workers’ compensation insurance to all employees. This insurance covers medical expenses and lost wages for employees who are injured on the job. Employers must offer this coverage to protect employees in case of workplace injuries.
Yes, Washington State health insurance can typically be used in other states through a process called reciprocity or out-of-network coverage. However, coverage may vary depending on the specific insurance plan and provider networks. It’s important to check with your insurance company for details on using your Washington State health insurance in other states.
Todd Taylor oversees most of the marketing and client administration for the agency with help of an incredible team. Todd is a seasoned benefits insurance broker with over 35 years of industry experience. As the Founder and CEO of Taylor Benefits Insurance Agency, Inc., he provides strategic consultations and high-quality support to ensure his clients’ competitive position in the market.
Todd Taylor with Taylor Benefits gives our small business the kind of personal service we need. Insurance benefits are important to our employees and Todd helps us find a balance between benefits and value. Todd responds immediately to my phone calls & e-mails. He has even gotten in touch with me on a Sunday when we were in need of coverage answers immediately. We are very pleased with the hands-on service Todd and his staff provide.”
-Ken and Linda Orvick, Orvick Management Group, Inc.
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