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Quote prepared September 17, 2026. These estimates use 2026 Washington small-group SERFF rate workbooks retrieved September 21, 2026 and approved 2027 Washington OIC rate schedules retrieved October 26, 2026 and retained by Sapper Insurance. All standard premium tables and county availability in these nine carrier filings were independently reconciled. The selected quarter and exact rate period are shown with your estimates. Inquiry dates do not refresh the rates. Wellness discounts are not assumed; benefit details, eligibility, and any later filing changes still require confirmation. 2027 premium tables match the approved rates in the Washington Office of the Insurance Commissioner’s decision documents. Unverified 2027 benefit details and SBCs are marked pending; 2026 benefits are not substituted. Availability, eligibility, networks, benefits, and final premiums must be confirmed with Sapper Insurance and the carrier.

Rates are selected by the principal business county, effective date, and each member’s age at coverage start. Employee and dependent premiums are added together. Only the three oldest enrolled children under 21 in each family are charged; enrolled children age 21 and older are rated separately. Individual in-network deductibles are shown, not family deductibles. Household coverage eligibility is confirmed separately.

Census files are read on your device. If you choose to discuss a plan and approve sharing, your email address, name and phone number if provided, selected plan, employer state, ZIP and county, preferences, and all census rows entered in the calculator (including waived members) are sent only to info@sapperinsurance.com through Resend. Your full quoting census is included as an Excel attachment. You can explicitly download an Excel census file for reuse; until you choose to share them, entries remain only in this tab. Refreshing or resetting clears your entries. Names, gender, employee ZIP codes, salary, and company details in imported files are not retained by the calculator. Do not enter Social Security numbers or medical information.

Washington OIC public filings ↗ · Family rating methodology ↗