An official website of the Washington state government
The .gov means it’s official.
A .gov website belongs to an official government organization in the United States.
The site is secure.
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and
transmitted securely.
We can help you:
Our volunteers can also refer you to other agencies or programs that can help.
When an insurance company wants to change its auto or home insurance rates, it must file that change with the Office of the Insurance Commissioner (OIC).
Insurance rates are the base cost of insurance a company charges for the risk of a possible loss, such as a totaled car or storm damage to your home. It’s the basic building block that goes into determining premiums. Insurance companies take their base rate and apply their rating factors to determine your premiums.
Washington state's mandatory liability insurance law, which is under the authority of the Washington State Department of Licensing, requires anyone who drives in our state to do one of the following:
If there’s more than one beneficiary, each person needs to complete a claim form. You’ll need to submit a copy of the death certificate with your claim. Keep copies of all your documents and follow the policy’s claims process for a quick payout.
To ensure prompt settlements, the insurer must pay you no less than 8% interest starting from the date of death. An additional 3% is payable on claims it doesn't settle within 90 days of when you provided proof of death.
Individual plans are health plans you buy through an insurance agent, broker or the Exchange. Small group plans are health plans offered by employers with 1-50 employees.
Health insurance companies can't change rates more than once a year unless state or federal law requires a new health benefit. Our actuaries scrutinize the company's projections and what they're based on, including the last three years' rates, enrollment and claims.
For people living in these communities, there are typically two insurance policies that cover different parts of their living space. One is paid for by owner dues and covers certain losses for the community’s Homeowner's Association (HOA). The other is an insurance policy the owner buys, which is sometimes referred to as an HO-6 policy. These two policies work in tandem to cover losses inside and outside the owner’s individual unit.
Most health plans on the market include a standard set of benefits, also known as essential health benefits. These include services, such as maternity and newborn care, preventive services and prescription drug coverage. In addition, most plans cannot require preexisting condition waiting periods.
The 2025 annual open enrollment period is closed. If you missed the enrollment period, you can still enroll if you qualify for Apple Health or a special enrollment period.