Spokane, Washington employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
79 employers in Spokane, Washington filed health plans with 100 or more participants for plan year 2024, covering 71,983 participants. They reported $23M in insurance premiums and $3.9M in broker commissions and fees. Against 2023, premiums were up 13.5% and broker pay rose 2.5%.
Funding: 12 fully insured · 47 self-funded · 20 mixed. 67 of 79 plans pay at least some medical claims from the employer's own assets.
Largest employer health plans in Spokane
Spokane employers reporting the most insurance premium across every Schedule A contract, with what they paid brokers.
| Employer | Premiums | Broker pay | Participants | Top broker |
|---|---|---|---|---|
| Avista Corporation | $8,034,850 | $259,327 | 2,287 | Mercer |
| Health Alliance for Technology Health TR | $2,470,902 | $82,460 | 3,977 | Armfield Harrison & Thomas LLC |
| Washington Commercial Construction Health Trust | $1,185,351 | $53,040 | 3,289 | Bell-Anderson Agency Inc. |
| Community Health Association of Spokane | $1,018,181 | $150,488 | 1,525 | Long Term Care Solutions, Inc. |
| Board of Trustees IBEW Health and Welfare Trust of Southwest Washingto | $950,048 | $37,043 | 784 | The Segal Company, Inc. |
| Washington Farm Bureau Health Care Trust | $890,560 | — | 2,890 | — |
| Washington Trust Bank | $854,338 | $53,470 | 1,004 | Gallagher |
| Flynn Bec LP | $794,940 | $32,660 | 1,299 | Alliant Insurance Services |
| Integra Imaging, PS | $705,112 | $32,200 | 803 | Alliant Insurance Services |
| Washington Business Services Health Trust | $682,130 | $31,200 | 1,605 | HUB International |
| Key Tronic Corporation | $563,931 | $85,972 | 1,012 | Gallagher |
| Frontier Behavioral Health | $467,667 | $36,349 | 651 | HUB International |
| Whitworth University | $435,291 | $30,967 | 562 | Aon |
| Spokane Eye Clinic | $419,112 | $30,145 | 297 | Alliant Insurance Services |
| Asc Machine Tools, Inc. | $313,538 | $82,000 | 156 | Alliant Insurance Services |
| Nac, Inc. | $265,211 | $85,800 | 187 | Marsh McLennan Agency |
| Washington Retail Health Trust | $224,061 | $12,580 | 828 | Bell Anderson Agency Inc |
| Cowles Company | $213,919 | $56,790 | 509 | Alliant Insurance Services |
| Spokane Neighborhood Action Partners | $209,058 | $41,277 | 157 | Allaint Insurance Services |
| R. A. Pearson Company | $192,919 | $4,671 | 170 | Gallagher |
| Hospice of Spokane | $185,031 | $66,728 | 114 | Mercer |
| Washington Manufacturing Health Trust | $183,367 | $13,520 | 783 | PCF Insur SVCS of the West LLC Bell |
| Inland Empire Teamster Trust Board of Trustees | $159,488 | $93,474 | 2,008 | Interremedy Insurance Services |
| Goodwill Industries of the Inland Northwest | $156,443 | $19,382 | 536 | Alliant Insurance Services |
| Dorian Studio Inc. | $139,591 | $10,644 | 120 | Alliant Insurance Services |
Source: DOL Form 5500 Schedule A, plan year 2024; employers are grouped by the sponsor's mailing city as filed. Self-funded employers show only stop-loss and ancillary premium.
Who gets paid
Commissions and fees reported by Spokane employers, with the number of employer plans naming each broker.
| Broker | Commissions + fees | Plans |
|---|---|---|
| Alliant Insurance Services | $1,322,827 | 33 |
| Mercer | $371,876 | 4 |
| OneDigital | $341,210 | 6 |
| HUB International | $298,632 | 12 |
| Lockton | $217,759 | 3 |
| Marsh McLennan Agency | $165,983 | 6 |
| Gallagher | $148,402 | 5 |
| Long Term Care Solutions, Inc. | $138,184 | 2 |
| Interremedy Insurance Services | $93,474 | 2 |
| Acrisure | $58,144 | 2 |
Largest medical carriers
Medical premium written for these employers.
Spokane against Washington and the U.S.
Medians over the same definitions on every BenefitsLedger page: commission rate on commission-paying, fully insured medical plans; broker pay per employer that disclosed any; medical premium per covered person.
| Spokane | Washington | United States | |
|---|---|---|---|
| Employer plans | 79 | 1,423 | 58,547 |
| Median commission rate | n/a | 1.3% | 3.8% |
| Middle half of rates | n/a | 0.6% – 3.1% | 2.7% – 5.0% |
| Median broker pay per employer | $41,277 | $40,089 | $72,628 |
| Medical premium per covered person | n/a | n/a | $7,274 |
| Plans reporting no commission | 0 | 5 | 933 |
Year over year. In plan year 2023, 78 Spokane employers reported $20M in premiums and $3.8M in broker pay for 65,514 participants; in 2024 it was $23M and $3.9M for 71,983 participants (premiums +13.5%, broker pay +2.5%).
Source: DOL Form 5500 and Schedule A, plan years 2024 and 2023, employer health plans with 100 or more participants; built October 24, 2026. Medians need at least 10 rated plans to be shown for a city. Methodology.
How much do Spokane employers pay health insurance brokers?
79 Spokane employers reported $3,908,564 in broker commissions and fees on their 2024 Form 5500 filings, 71 of them disclosing at least some compensation. Too few fully insured medical plans in Spokane reported premium to compute a stable commission rate; the Washington median is 1.3% and the U.S. median is 3.8%. In dollars, the median Spokane employer that disclosed broker pay reported $41,277.
Which Spokane employers have the largest health plans?
By insurance premium reported for 2024, Avista Corporation ($8.0M), Health Alliance for Technology Health TR ($2.5M), Washington Commercial Construction Health Trust ($1.2M) lead. 25 Spokane employers are listed on this page; every employer in the record has its own page.
Which brokers and carriers are paid the most in Spokane?
By compensation reported by Spokane employers, the largest brokers are Alliant Insurance Services ($1.3M, 33 plans), Mercer ($371,876, 4 plans), OneDigital ($341,210, 6 plans). By medical premium, the largest carriers are Premera Blue Cross, Premera, Unitedhealthcare Insurance Company.
Are Spokane employer health plans self-funded or fully insured?
Of 79 Spokane employer plans, 12 are fully insured, 47 are self-funded and 20 mix insured and self-funded coverage. Self-funded plans report only stop-loss and ancillary contracts on Schedule A, so their premium and broker pay understate total spend.
Other cities in Washington
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