Association health plans follow state and federal law and let small employers join together to buy coverage like large employers often do.

Association health plans:

  • Must be a real association with a purpose other than offering health insurance.
  • Can consider someone’s health condition when setting premiums.
  • Provide coverage to employers with at least one employee who isn't a spouse.
  • Can't offer coverage to self-employed people with no employees.

What to know when shopping for an association health plan

  • Your business may need to meet certain requirements to buy an association health plan.
  • Your health may affect the cost of your premium.

Where to buy an association health plan

Contact a licensed insurance company or an insurance agent or broker.

What to ask before buying

  • Is the insurer licensed to offer health insurance in Washington state?
  • What are the requirements to join the association or buy its health plan?
  • Does it cover the same health benefits and services as small group insurance?
  • Will my employees or I pay more based on age, gender or health?