2018 Individual Health Insurance Kitsap County

Updates & Options

We, can and will help you place Individual Health Insurance coverage for 2018 !

As we have posted before, effective 1/1/2018 Regence Blue Shield Insurance will be leaving the INDIVIDUAL INSURANCE market for our area and beyond.

Do not panic! We have been following this dilligently and will have ALL of the individual health insurance carrier options for Kitsap County for 2018.
Two carriers will offer plans for Kitsap County :

Premera Blue Cross

Kaiser Foundation Health Plan of Wa ( formerly Group Health)

This will actually give us options for either a PPO or HMO plan for every client. When we meet, we can discuss plans, educate you on them , so you can then decide what best fits your health insurance needs.


Open Enrollment is 11/1/2017 to 12/15/2017

TOTAL OF SIX WEEKS…this has zero flexibilty, so please call and setup your appointment soon as this small window of enrollment will make us very busy.

We will work early, late, and if necessary weekends to make sure every single client is helped .

We very much appreciate you as a current, past, or new client and look forward to making this a smoooth transition!

Please call 206 842 7410 and setup your time slot asap.

Reviewing your auto coverage…..

PIP coverage? Do I need this ? What is PIP? What am I paying for?

Here it is in a nutshell:

Personal Injury Protection (PIP) is an extension of car insurance available in Washington state. It is first dollar coverage, that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as “no-fault” coverage, because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard to “fault,” or more properly, legal liability. That is, even if the person seeking PIP coverage caused the accident, they are entitled to make a claim under the PIP portion of their policy. “No-Fault” does not mean that insurance premium of the person making the claim will not increase. Typically a PIP claim is made by the insured driver to their own insurance company, regardless of fault, opening up funds to cover medical and wage needs while the claim is unraveled.

Biggest Opposition I hear to having PIP:

” I don’t need this coverage, I have medical insurance.”

Answer- You get hit by someone else, they have no insurance, your hurt. Your medical deductible is 2500 or even 5,000 these days. Do you want to pay this? PIP would cover this for a few dollars a month.

Answer- Your friend is in your car, they do NOT have medical insurance (still common even with ACA in place)…… PIP would cover them , no PIP, what do they do?

For literally a few dollars a month , you can get 10,000 in PIP coverage, for a bit more 35,000 in coverage.

Do NOT be swayed by a few dollars savings, include this coverage in your portfolio. You will thank yourself later!!!!

As your local trusted Insurance Brokerage, we are here to do more than simply sell you insurance! We over the course of the past 15 years have found ourselves to be a very knowledgeable local directory for our area.

Feel free to call us, say hello and use us as your local referral network. Be it restaurants, contractors, tech consultants , attorney , gyms, athletic programs , boat surveyors, antique appraisers, etc…..we have a contact or referral for nearly everything you can imagine on Bainbridge Island.

Call us anytime, we would love the hear your need and hopefully be able to help you out!

#shoplocal #chooselocal #supportlocal

Individual Healthcare plan options update for 2018.

The attached link has the 2018 Health Insurance providers who plan to offer individual health coverage plans. The list is organized per county.

Our agency plans to represent nearly all of the carriers that will be available for Kitsap, King ,Jefferson and Pierce County.

We will make sure we have open enrollment options for every single client!

** PLEASE NOTE- Small Group, Large Group and Medicare plans are not applicable to this list of carriers. Most all group plans and Medicare plans will continue without interruption. Please check with your agent or carrier to be 100% sure.


INDIVIDUAL PLAN – Health Insurance Carrier Options 2018 – Kitsap County and beyond.

We have just been informed effective 1/1/2018 Regence Blue Shield Insurance and Bridgespan Insurance Company will no longer be offering ANY INDIVIDUAL health insurance plans for Kitsap , Pierce, or King County. (***this does NOT apply to group plans or medicare plans***)

All Regence and Bridgespan individual health clients ( both outside and inside the health exchange) will be receiving the attached letter.  (see link below)


1. Currently, it means DO NOTHING. Your current health insurance plan will remain in-force and coverage will be offered as applied for until 12/31/2017. You cannot change currently as enrollment is closed.

2. Do not panic!! As your trusted insurance broker we are going to make sure we have access to the health insurance carriers that will be offering 2018 plans in Kitsap, Pierce, and King County. We will find the best replacement plan offered for each and every client.

3. All current clients will be receiving a courtesy call from our agency within the next five days comfirming you have recieved your letter and reassuring you we are on top of this transition.

** We will continue to monitor the situation and will be fully prepared for Open Enrollment ,starting on 11/1/2017 thru 1/31/2018.

We appreciate your trust in our agency, we will all figure this ever changing health care insurance landscape out together!

Any questions, call us anytime. 206 842 7410



As a consumer you have many choices for your numerous insurance needs.

So the question may arises, where do I  go and why should I chose Eagle Harbor Insurance?

Here are some solid reasons to use us:

*Over 50 top tier carrier choices to ensure the best prices

*All of our agents have grown up in Kitsap county and truly know the risks inside and out ( family owned )

*Outside resources at claim time:  I.E. direct line to Serve Pro or Service Master and 24hr local contractors we can call to help with emergencies, you will not have to wait on the claims adjuster to call

*We never will ” hard sell”, we supply quotes and let you decide what is best. We are happy to offer our professional advice on what is best, but we will never pressure you!

Bottom  line, we will treat you how we would like to be treated!

All of our clients are part of our Eagle Harbor Insurance family.


Did you know your auto insurance rates are directly effected by what zip code you live in?

A 98101 -Seattle zip code can literally be 35% higher than a 98110- Bainbridge Island,  98370- Poulsbo, or  98392 – Suquamish zip code.

This is due to matrix driven demographic numbers for these areas. The rating basis takes into account:

population size

rural vs urban

commute lengths

crime rates

highway,  freeway , and congested area access

At Eagle Harbor Insurance , we use carriers who fully realize the difference in risk from area to area and price accordingly.

Currently our carriers such as  Hartford Insurance, Safeco Insurance, Kemper Insurance, Encompass Insurance, and Stillwater Insurance all have specific zip code ratings for our area, and the excellent premium prices reflect this.

Be sure your using a carrier that rates by zip code, and feel free to ask the rate difference between a Seattle zip code and your zip code. This will give you a nice comparison basis for your carrier and how competitive their rates really are.

If you would like, we can do this comparison for you, free of charge , with no hard sell!

We would love to help you.


# Shop local #Support Local



Earthquake Insurance with Eagle Harbor Insurance…..am I covered?

Many people don’t know that most homeowners insurance policy do NOT include earthquake coverage. To protect yourself in earthquake-prone areas, you’ll need to purchase separate earthquake insurance. ( we can help of course!!)

Your options usually are as follows:

•Earthquake coverage can be added as an endorsement on your homeowner policy

• Or we can offer stand alone earthquake coverage with numerous carriers.

With all of ther small “shakes” we have felt lately, we strongly recommend this additional coverage.

If your home is older, the carrier may require a earthquake retrofit prior to placing coverage. We can help determine the need for this and proper actions to take.

Call us TODAY for your free home analysis and earthquake quote!earthquake-coverage

House passes American Health Care Act – now what?

First off- DONT PANIC- currently your plan remains the same.

Here is a very brief synopsis of what is happening:
House Republicans on Thursday, May 4 fulfilled a longtime campaign promise by passing legislation – the American Health Care Act (AHCA) – that partially repeals the Affordable Care Act.
Now it’s the Senate’s turn.
The AHCA as currently written is expected to face an uphill battle in the Senate and when all is said and done, is likely to look different than what the House passed because of policy and reconciliation considerations.
The Senate can’t begin moving forward until the nonpartisan Congressional Budget Office releases an updated analysis (or “score”) of the bill’s potential budgetary and insurance coverage impacts.
Following the Senate’s modifications, the bill will go to the Senate floor for consideration, possibly in early June.

We will do our very best to stay up to date as this unravels and relay information accordingly. Please know, we are always here to help and answer any current questions you may have .

206 842 7410

Eagle Harbor Insurance , we are proud to say, now can offer the largest number of insurance carrier options in our agency history!

This is for both homeowners insurance, auto insurance and earthquake insurance.

Big deal, what does this mean for me as a client?

This means more options, more competition, and an overall lower rate for you as the consumer.

As your broker , we work for YOU…not the insurance carrier. Our objective is to always find you, the consumer, the best rate and coverage, regardless of carrier.

We would love to help you and ” shop” your coverage for the best rate.

Consider calling us today !   206 842 7410