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Small Business Health Insurance in Washington

Affordable health insurance for small businesses in Washington State

Medical Insurance & Prescription Plans

Premera-logo

Premera Blue Cross medical plans are offered to employers with 5 or more enrolled employees through targeted Industry Health Trusts for companies in the following industries: Aerospace, Healthcare, Media, Tourism, Transportation & Maritime, Agriculture, Business Services, Community Service Orgs, Construction & Real Estate, End-Line Manufacturing, Information Technology, Retail, and Wholesaling.

Contact us to learn more and we will respond ASAP

  • Highly competitive group rates
  • 17 different medical plan designs  
  • Prescription drug coverage included in all plans
  • Flexible product offerings with deductibles that range from $200-$5,000
  • Option of HSA and non-HSA plans
  • Bundled with Employee Assistance Program (EAP) and Life/AD&D insurance, with opportunities to add additional insurance products including Dental, Vision, additional Life/AD&D, Voluntary Life, and Personal Accident Insurance
  • Includes virtual care options
Kaiser-logo

Kaiser Permanente medical plans are offered to employers with up to 50 employees, offering scalable, competitive benefits for even the smallest companies.

Contact us to learn more and we will respond ASAP

  • Choice of four Kaiser provider networks: Core, Access PPO, Connect and Elect PPO. The difference between HMO and PPO
  • Choice of four plan tiers: Bronze, Silver, Gold and Platinum
  • Option of HSA and non-HSA plans
  • All plans include pharmacy benefits and deductible options from $250-$6,000
  • Virtual care plans available
  • Opportunities to add additional insurance products including Dental, Vision, Basic Life/AD&D, Voluntary Life, Disability, Employee Assistance Program (EAP) and Personal Accident Insurance

We help you create a benefits program that attracts talent and keeps your employees healthy and productive – at a budget you can afford.

When you partner with Business Health Trust you get:

  • Exclusive choices from major carriers
  • A wealth of cost savings opportunities
  • Access to policy advocacy, community connections, and business resources
  • And comprehensive plan administration, so you can focus on what’s important – your business

For more details about our offering, download a brochure or visit our Benefit Portal to see detailed plan option

Ancillary Insurance

Additional insurance can be purchased alone or bundled with your medical plan. This includes Dental, Vision, Life, AD&D, Long Term Disability, Accident Protection, Employee Assistance (EAP).

Other Benefits and Cost Savings

In addition to quality medical and other insurance benefits, Business Health Trust members can access a wide variety of additional services, resources and savings. Here are just a few:

  • On-demand virtual care that allows members to get care at their convenience without a visit to the doctor’s office
  • 24-hour nurse line at no additional cost, confidential health advice from a registered nurse
  • Passport Corporate employee discount program at no additional cost
  • Wellness resources including a monthly Healthy Living with Business Health Trust e-newsletter
  • Cost-savings for your business through our Plan Sponsor’s Member Savings Toolkit including:
    • Discounts of 10% to 55% percent on common office expenses
    • Savings on business services such as human resources, high-speed internet & phone, and email marketing tools
    • Discounts up to 50% on retail ORCA passes for employees
    • Reduced venue rentals at the Seattle Metro Chamber Microsoft Events Center

Consolidated Administration & Customer Support

Based in Seattle, Business Health Trust is an Association Health Plan that offers comprehensive plan administration, so you can focus on what’s important: your business. For ultimate convenience, we offer consolidated billing, online payment, and online access to benefits for easy enrollment throughout the year. COBRA administration is available at no additional cost, and all plan documents and forms are quickly accessible online. But we know there’s no substitute for a real person. When you need help, our knowledgeable, friendly, local staff is happy to lend a hand.

Who is Eligible?

Washington companies with two or more enrolled employees are eligible to participate in the Business Health Trust benefit program. Participation requires membership with the Seattle Metropolitan Chamber of Commerce or one of our partner organizations: Bellingham Regional Chamber of Commerce, Economic Alliance Snohomish County, OneRedmond, Tacoma-Pierce County Chamber of Commerce, Thurston County Chamber of Commerce, Greater Yakima Chamber of Commerce and Archbright. Your membership in any of the above organizations automatically qualifies you for one of our 13 industry group memberships (at no additional cost), and all the advocacy, resources and savings that go along with it.

Common Questions

What does Business Health Trust do?

We offer comprehensive and affordable employee benefits to small and mid-sized businesses and non-profits in Washington state so that they can provide competitive employee benefit programs for sustainable organizations and healthy, productive employees. Business Health Trust is what the insurance industry calls an Association Health Plan.

Our comprehensive offerings give employers a choice of over 40 affordable medical plans, and a wide range of additional employee benefits. Not only that, we handle all aspects of plan administration, offering consolidated billing, online payment, and online access to benefits for easy enrollment throughout the year.

Business Health Trust was founded in 2007 so that small businesses and non-profits could offer their employees the health benefits they need to stay competitive, and provide health insurance for groups that might not otherwise be able to afford coverage.

Since our founding, we’ve merged with other health trusts, expanded our reach across the state, improved our offerings, and added additional benefits. Today, more than 15,000 small business employees across the state get their health insurance benefits through Business Health Trust.

More than just a benefits solution, we advocate for small business health insurance needs in Washington.  We are vigilant about staying on top of changes in the small business health insurance market and advocating for changes that benefit small businesses — nationally, and at the state and local level.

Send us a quick note and we’ll get back to you ASAP!

What is Group Health Insurance vs an Association Health Plan?

“Group health insurance” refers to insurance plans that businesses large or small can offer to their employees. An Association Health Plan is when businesses actually band together as one large group which helps lower health insurance expenses and can come with other values as well.

Find out more

Can I offer multiple health plans to my employees?

Yes. If you have 10 or more employees, you can offer multiple health insurance plans, giving your employees options that meet their individual needs.

Let us know what you need and we’ll connect ASAP!

What size of business does Business Health Trust serve?

Whether you have 2 employees or more than 100 we can help you create a benefits program that attracts top talent and keeps your workforce healthy and happy. So as a small tech startup in Seattle, a mid-sized business in Cle Elum, or a non-profit in Bellevue – you can provide competitive health benefits programs to your team.

Contact us to get started and we’ll respond in a snap!

What kind of business does Business Health Trust work with?

Our partnership with regional Chambers and business associations in Washington allows us to offer insurance plans to virtually every type of business throughout the state of Washington. Businesses we partner with include those in aerospace, agriculture, automotive, business services, construction, healthcare, manufacturing, media, retail, technology, tourism and transportation.

Use this quick form to message us and we’ll get started immediately

Are all of the plans ACA compliant?

Yes!

Contact us here and we’ll reply right away

Does BHT offer non-medical benefits?

Yes! We offer Medical Insurance, Dental Insurance, Vision Insurance, Life Insurance, Disability Insurance, Employee Assistance Program, access to pre-tax FSA and CDHP, and more.

Find out more about our 40+ plans!

Need a quote? Request one here.

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12121 Harbour Reach Drive
Mukilteo, WA 98275 (Seattle area)
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