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What to Do if Someone Is Injured on Your Property

First and foremost, you must attend to the customer’s well-being. Call 911, describe the incident, follow the operator’s instructions, and wait for the paramedics to arrive. Even if you’re unsure, it’s better to call an ambulance. Apply necessary first aid. If the customer refuses an ambulance or the injuries aren’t serious, at least provide them a quiet place to rest and offer ice or a glass of water. Then, you must address the hazard. Block it off if necessary. Document the scene with pictures before you alter anything. Do not admit or imply anyone is to blame. Complete an incident report with the time and date of the accident. Collect statements from witnesses and the injured customer. Save any surveillance footage you may have. Once all of this is covered, you should contact your insurer as soon as possible.

Many types of Commercial Insurance

Commercial Insurance has been more than basic liability for years. Sometimes you need a business owners’ policy that can cover employee theft. Sometimes you need liquor liability, a bond, commercial auto, insuring your equipment on the job site for theft or completed goods. We like to have conversations so that if there is a claim that you understand your coverages better before you need them.

Big rate increases requested for Individual Health Plans for 2026

Posted on May 28, 2025May 28, 2025 by Matt McColm

health or medicare enrollment suzie makes it easier

Matt has been assisting people with Health Insurance since the first year of the ACA. Suzie and Matt ran the Enrollment Center for years in Wenatchee assisting people enroll in Health Insurance without adding fees. We work with Wenatchee Insurance which is an independent insurance agency.

It is that time of year when the Office of Insurance let’s people know what the health insurance rates could do for the following year. From our experience, we knew that big changes were going to occur for a couple of reasons.

The Enhanced tax credits from the Inflation Reduction act were scheduled to end in December of 2025 unless Congress was going to extend them.
The budget bill would be putting strain from additional 310,000 to 510,000 uninsured people being added with the loss of coverage from Medicaid.

Here are the health insurance raw numbers.

Asuris Northwest Health is requesting a 15.15%. With 964 people enrolled they lost $1.2 million with a claims of 85.81%. This is an off exchange plan that does not get additional help from premium tax credits. Here is where you comment.

Bridgespan Health Company is requesting a 18.38% increase. With 376 people enrolled they lost $1.1 million after the $2.2 million risk adjustment. Here is where you comment.

Community Health Plan of Washington is requesting a 27.57%. With 34,463 people enrolled they lost $16.9 million after a $44.2 million risk adjustment. They have eliminated broker commissions. Here is where you comment.

Coordinated Care Corporation is requesting a 21.95% With 107,649 people enrolled they lost $1.3 million after a risk adjustment loss of $68.1 million and a claims of 80.94%. They are maintaining broker commissions for customer service. Here is where you comment.

Kaiser Foundation Healthplan is requesting a 11.36%. With 7,000 people enrolled in Clark and Cowlitz the company made $5.5 million after the risk adjustment and a claims of 85.5%. Here is where you comment.

Kaiser Foundation Health Plan of Washington is requesting a 19.18%. With 40,266 enrolled they lost $360,419 after a $3.1 million loss in risk adjustment however the claims were 88.88%. Here is where you comment.

Lifewise Health Healthplan of Washington is requesting a 14.43%. With 23,727 people enrolled in this non-grandfathered plan, they made $3.5 million after a $13.3 million risk adjustment loss. However their claims were 89.39%. Here is where you comment.

Lifewise Health Plan of Washington is requesting a 10.4%. They have 1843 people enrolled in their grandfathered plan and made $1.0 million with this closed book. Here is where you comment.

Molina Healthcare of Washington is requesting a 24.59%. They have 43,346 enrolled and made $6.6 million after a $40.1 million loss from risk adjustment. Their claims was 83.1%. Here is where you comment.

Premera Blue Cross is requesting a 18.79%. With 9,460 enrolled, they made $8.1 million after a risk adjustment of $41.5 million. They had 92.57% in claims. Here is where you comment.

Providence Health Plan is requesting a 10.59%. With 254 people served, the company made $558,805 after the risk adjustment. Here is where you comment.

Regence Bluecross Blueshield of Oregon is requesting a 24.93%. With 10,029 people served in Clark County they lost $6.5 million after a risk adjustment of $5.3 million. With claims coming in at 86.87%. Here is where you comment.

Regence Blueshield is requesting a 9.6%. With 21,878 enrolled, they lost $14.3 million after a risk adjustment loss of $31.8 million. They also have a claims of 86.41%. Here is where you comment.

United Healthcare of Oregon is requesting a 37.35%. With 6180 enrolled they lost $9.2 million after a $2.6 million loss from risk adjustment. They also had a claims of 86.20%. Here is where you comment .

How to prepare for fall enrollment

Open Enrollment for Health Insurance runs from November 1st through December 15th.

Set your appointment early.
If you are not connected to Matt or Suzie then here is a good way to update your account early.
Let people know how you feel about the rates.
Be prepared to shop plans as there big changes.

Set appointment with Suzie

Set appointment with Matt in person