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What to Expect from Premera Individual and Family Plans in 2025

June 13, 2024

Our 2025 individual and family plans and rates have been filed with the OIC and are now public. To see the full scope of the filing across all carriers, visit the OIC announcement. Here’s a preview of what you can expect for Premera next year.


All 7 Premera individual and family plans are renewing in 20205: Preferred Bronze, Preferred Bronze HSA, Preferred Silver, Preferred Gold, Cascade bronze, Cascade Silver, and Cascade Gold.


You can expect the same county footprint for our Preferred and Cascade plans. We’ll be in Franklin, Grays Harbor, King, Kitsap, Pacific, Pierce, Spokane, and Yakima counties.


We’ve filed for a 14.87% rate increase. This will help cover the rise in anticipated healthcare and claims costs while ensuring members have access to providers and benefits they need.

Rates are not final until approved by the OIC in early September.


Your Premera Preferred and Cascade plan clients will continue to have access to providers in the Premera Individual Signature network. Our network is still one of the largest networks of any individual insurer in Washington state, and includes Kinwell, UW Medicine, Providence, Swedish, Virginia Mason, Seattle Cancer Care Alliance, and more. Additionally, the Premera Individual Signature network has many behavioral health, alternative care, and specialty providers.


We’ll continue the same 3-tier compensation structure in 2025. Only individual members count toward the tiers, as seen in the table below.

Tier 1 100+ Individual lives at the agency level Commission $20 pmpm
Tier 2 60-99 Individual lives at the agency level Commission $15 pmpm
Tier 3 <60 Individual lives at the agency level Commission $10 pmpm


Open Enrollment

Things move fast once we file our plans! Below is a timeline of key dates and expected touchpoints between now and open enrollment, so you can plan and prepare.

Early June OIC makes initial carrier filings public
July-September Virtual and in-person visits with agent support
Early September OIC approves final rates and plans for all carriers
Late September 2025 product training available
November 1 Open enrollment begins