HB 2745 temporarily increases the insurance premium tax rate for Washington insurers to fund health insurance premium assistance. For 2026, the tax rises to 2.75% (from a base 2.0%), and for 2027 onward, it remains at 2.0%. The portion of the tax exceeding 2% must be deposited into the state health care affordability account to support a program helping residents pay health insurance premiums. The bill prohibits insurers from passing this tax increase to consumers through higher premiums or rates, unless the insurance commissioner approves it to prevent carrier insolvency or consumer harm.
This bill creates a new assessment on employers with 100 or more employees that have at least one worker enrolled in Apple Health (Washington's Medicaid program) for 80+ hours per month. The assessment amount is calculated by multiplying the total "member months" (each month an employee works and is enrolled in Apple Health) by a set Medicaid expansion rate. Employers must pay the assessment quarterly to the Employment Security Department, with funds deposited into the state health care affordability account. This account can only be used for premium and cost-sharing assistance for low-income individuals, as specified by law.
HB 2441 requires Washington state to reimburse surviving spouses or domestic partners for medical insurance premiums after a public safety officer or first responder dies "in the course of employment" (as defined by the Department of Labor & Industries). The bill covers premiums for state health plans, Medicare Part A/B, and COBRA insurance, starting from the date of death until the line-of-duty status is confirmed. Survivors must maintain Medicare Part A and B enrollment to qualify for reimbursement, and the reimbursement amount cannot exceed what would be paid under COBRA. This applies only to deaths classified as line-of-duty, not all deaths.
SB 5967 requires most health plans in Washington to cover specific preventive services without cost-sharing, including evidence-based care rated A or B by the U.S. Preventive Services Task Force and CDC-recommended immunizations. It clarifies that coverage must follow federal guidelines as of June 30, 2025, and updates requirements for plans issued after April 1, 2026. The bill also gives Washington’s Department of Health authority to issue immunization guidance without needing formal rulemaking. This directly affects health insurance plans and Washington residents accessing preventive care like screenings, vaccinations, and wellness visits.
HB 2429 establishes a Children and Youth Behavioral Health Work Group to address barriers in accessing care for children, youth, and young adults in Washington State. The work group, composed of diverse stakeholders including providers, families, youth representatives, tribal leaders, and agency officials, will monitor existing programs, improve coordination between education and health systems, and recommend strategies to expand access to services - particularly for young children (prenatal to age 5) and underserved communities. Key provisions include advising on implementing a statewide strategic plan, removing systemic barriers, and promoting equal insurance coverage for behavioral health compared to physical health. The bill directly affects children and families seeking mental health support by aiming to create a more integrated, equitable system.
SB 6182 establishes an abortion savings program funded by an annual assessment on health insurance companies. It requires health carriers to pay $0.82 per coverage month in 2027 (then $0.165 annually) to a state account, with funds used to provide operating grants to abortion providers and funds that support clinical care access for people without sufficient resources. The bill prohibits disclosing patient or provider identifying information and mandates that at least 85% of program funds go directly to eligible organizations. These grants specifically support abortion services where federal funding is restricted, and the program cannot pass assessment costs to consumers through premiums or rates.
SB 6323 requires the Washington state retirement system to reimburse surviving spouses and dependent children for medical insurance premiums when a law enforcement officer, firefighter, or public safety employee dies in the line of duty. The bill adds specific reimbursement coverage for COBRA, Medicare Part A, and Medicare Part B premiums, starting from the date of death until the line-of-duty determination is made. To qualify, survivors must maintain enrollment in both Medicare Part A and Part B. This amendment to RCW 41.26.510 expands existing benefits for families of public safety personnel who die while performing official duties.
HB 2242 clarifies and preserves access to preventive health services covered by most Washington health insurance plans. It requires plans issued after April 1, 2026, to cover evidence-based services like vaccinations, cancer screenings, and other preventive care without cost-sharing, based on current U.S. Preventive Services Task Force (USPSTF) ratings and CDC recommendations. The bill updates coverage requirements to align with federal guidelines as of June 30, 2025, and allows the state Department of Health to issue immunization guidance without standard rulemaking. This directly affects Washington residents using health insurance and insurers offering new or updated plans, ensuring consistent access to preventive care without adding new requirements for patient consent or immunization mandates.
HB 2394 updates Washington's insurance fraud laws to better address modern schemes. It clarifies definitions of "insurer" to include health care service contractors and health maintenance organizations, and explicitly lists fraud types like submitting false medical bills, embezzling premiums, or misrepresenting insurance claims. The bill upgrades insurance fraud to a class B felony and requires restitution for insurers and victims. This directly affects insurers, consumers, and individuals committing fraud involving insurance claims or payments.
This bill requires health insurance carriers in Washington to spend at least 90% of premium revenue on medical care (not administrative costs) for plans issued or renewed on or after January 1, 2028. It directly affects health insurance companies operating in the state, mandating they adjust their spending to meet this ratio. Carriers must also submit detailed reports to the state commissioner about how they calculate this ratio, including payments to affiliated providers and incentive programs. The requirement aligns with federal standards and does not change existing rate review processes.
