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The Benefits Academy

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FTE Calculator for 2024

Employers can use this calculator to determine if they must either provide benefits or pay a penalty to the government based on their number of full-time equivalent employees.

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Broker Resource Library

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WA Cares Program Overview

Explains Washington States’ Long Term Care program, including benefits, eligibility, rates and more.

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Small Group Medical Rate History

Table of Washington state small group rate filings with the OIC, showing approved average rate changes by carrier.

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Small Group Medical Rate Changes – 2026

Reviews small group premium change filings for 2026 in Washington, showing carrier averages requested, counties where offering, gains/losses, and historical requests/final rate changes.

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Small Group & Trust Renewal Cycles

Summarizes the different small group health insurance programs available in WA, through direct carriers and trusts/associations, with a listing of renewal cycles.

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Small Group & Trust Table

Table with WA community-rated group carriers and trust/association options, including renewal cycles, industries covered, rating tiers, and links to plan summary websites.

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QSEHRA Program Rules

Explains Qualified Small Employer HRAs, eligibility (<50 FTE), contribution limits, reimbursement rules, MEC proof, nondiscrimination, notices, and more.

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PFML: Article 4 — Voluntary Plans

Describes voluntary PFML plan option vs. state plan, including coverage, approval process, penalties, reporting, and audits.

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PFML: Article 3 — Premiums

Explains WA PFML premium funding rules, including the rate, employer/employee share, grants, waivers,nd penalties.

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