Strong benefits win the hires you want and keep the people you have. We help Washington businesses — from 2 employees to 200+ — design a group health program that fits your budget and your team, then support it all year.
Independent broker · Top WA & national carriers · Enrollment & year-round support
Group health insurance is one of the most valued benefits an employer can offer — it helps you attract talent, reduce turnover, and keep your team healthy and productive, while giving you lower per-person costs than the individual market and generally tax-advantaged premiums. As an independent broker, First Underwriters helps Washington businesses of every size design the right mix of coverage, cost, and carrier, from medical and dental to mental health, telemedicine, HSA-compatible plans, and level-funded options.
Tell us your size, your priority, and what you'd like to include. We'll shape a starting package and flag the extras worth adding — instantly.
Choose what fits best — the package updates as you go.
Educational guidance only — your actual plan depends on your census, budget, and carrier options. We'll build the real quote with you.
Group premium is split between you and your employees. Move the sliders to see how team size, plan richness, and your contribution level shape the monthly cost.
Illustrative only — real premiums depend on your census, plan, and carrier.
At 75% employer contribution, each employee pays about $163/month for employee-only coverage.
Every plan type trades cost against freedom differently. Click through to see how each one works and who it fits best.
We learn about your team, budget, and the benefits that matter most to your people.
We gather quotes across multiple carriers to find the best value and plan options.
We explain the choices clearly — comparing costs, networks, and plan features side by side.
From enrollment to claims questions, we're your ongoing benefits resource — not just at renewal.
We partner with leading regional and national carriers so you get strong, trustworthy coverage options.
In Washington, you can typically qualify for small group health insurance with as few as 2 eligible employees. We work with businesses of every size — from 2 employees to 200-plus — to find the right employee health benefits mix.
Most carriers require employers to contribute at least 50% of the employee-only premium, and often a minimum participation percentage of eligible employees. You can choose to contribute more, and to help toward dependent coverage. The estimator above shows how your contribution level changes what you and your employees each pay.
New groups can generally start coverage any month. Existing groups renew annually with an open enrollment window, and qualifying life events — marriage, a new baby, loss of other coverage — allow mid-year changes. We handle the enrollment timeline and paperwork with you.
A level-funded plan blends the predictable monthly payment of a fully insured plan with the potential savings of self-funding. You pay a set monthly amount covering claims funding, administration, and stop-loss insurance; if claims run lower than expected, your group may receive a refund. It's a popular option for healthier small and mid-sized groups looking to control cost.
Yes. We provide full enrollment support — employee information sheets, benefit guides, and help with forms or online enrollment systems — and we stay available all year for claims questions and mid-year changes. Request a benefits quote →
From 2 employees to 200+, we match coverage, cost, and carrier to your team — fully insured or level-funded — instead of a one-size template.
We market your group across carriers each year and model contribution strategies so you get competitive rates without gutting the benefit.
Enrollment, employee questions, claims help, and renewal — we're your ongoing resource, not a voice you only hear once a year.
Let's find the right coverage for your team. We'll gather quotes across carriers, explain your options in plain language, and help you make a confident choice.
Prefer email? Reach us at info@firstunderwriters.com · No obligation
Coverage descriptions are general summaries for education and are not a statement of coverage, an offer, or a binder. Plan availability, eligibility, networks, premiums, and terms vary by carrier, group size, census, and state rules and are subject to underwriting. Premium and cost figures shown are illustrative estimates only. First Underwriters Insurance Brokers · Kirkland, WA · (425) 242-5357.
