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Best Health Insurance Agencies in Spokane

2023

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Website
820 South McClellan Street, Spokane, WA 99204
  • Individual Plans

Why choose this provider?

Health Insurance Options LLC is a Spokane-based insurance company established in 2012. Its founder, Lynn Wold, has been in the industry for over a decade. She specializes in Medicare health insurance plans to help senior citizens with their medical needs. She offers Medicare Advantage Plans covering the expenses for prescription drugs, medical, and hospitalization of clients. She also helps individuals receive insurance protection for cancer, critical illness, accidents, and life. Health Insurance Options partners with Ameritas, Loyal America, SureBridge, and Providence Health Plans insurance carriers.

License Verified:

License: 768219

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
421 West Francis Avenue, Spokane, WA 99205
  • Individual Plans

Why choose this provider?

Northwest Insurance Professionals is a Spokane insurance agency that offers insurance products and solutions to residents of the metro. The firm specializes in health and life insurance lines for individual adult and senior clients. Some of its health insurance products include temporary healthcare coverage, long-term health coverage, long-term care coverage, disability insurance, and critical illness coverage. It also offers Medicare products such as Medicare A and B, Medicare Supplements (Medigap), and Medicare Advantage.

License Verified:

License: 824200

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
421 West Francis Avenue, Spokane, WA 99205
  • Individual Plans

Why choose this provider?

Inland Empire Insurance, LLC, is an insurance agency serving individuals and families throughout the Greater Spokane metro area. It provides Medicare health insurance to people age 65 and older, people under age 65 with disabilities, and clients of all ages diagnosed with end-stage renal disease. It also offers dental and vision insurance. The team of professional agents takes the time to assess clients' needs. Inland Empire Insurance works with insurance companies to help them secure a policy that suits their specific situations.

License Verified:

License: 940606

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12128 North Division Street, Spokane, WA 99218
  • Individual Plans
  • Life Insurance

Why choose this provider?

Butterfield Agency is an independent insurance business in Spokane that specializes in health care coverage and Medicare services in the area. The family-operated company is connected with various insurance providers in the area and offers diverse quotes for health insurance products. Its health lines include individual health, dental and visual coverage, Medicare, Medicare Supplements, and Medicare Advantage plans. Butterfield Agency also provides personal financial and retirement planning services to seniors and pre-retirees in the metro.

License Verified:

License: 973397

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6404 North Monroe Street, Spokane, WA 99208
  • Individual Plans
  • Life Insurance

Why choose this provider?

All Lines Insurance is an independent agency based in Spokane that has been serving customers since 2000. Its agents are licensed in six states, including Oregon, Nevada, and Arizona. Health insurance plans are available for individuals, families, and business owners looking to insure their employees. Some of the offerings include HMO plans, surgical policies, hospital indemnity plans, and dread disease policies. The agency works with multiple insurance companies to provide clients with suitable options they can compare and choose from.

License Verified:

License: 1021320

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (366)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9116 East Sprague Avenue, Spokane Valley, WA 99206
  • Individual Plans
  • Life Insurance

Why choose this provider?

Carpenter Insurance Northwest is a locally operated insurance agency that specializes in equipping individuals, families, and commercial clients in Spokane with healthcare insurance solutions. It offers insurance services for Medicare coverage, costs incurred from long-term disabilities, and health benefits packages for business employees. The agency also compares plans from multiple carriers, including Premera Blue Cross, Asuris Northwest Health, and Delta Dental. Carpenter Insurance Northwest has been delivering personalized insurance plans in the Pacific Northwest area since 2006. Kim Carpenter has worked in the industry for more than 20 years.

License Verified:

License: 246328

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1919 North 3rd Street, Coeur d'Alene, ID 83814
  • Individual Plans
  • Life Insurance

Why choose this provider?

Based in Coeur d'Alene, Insurance Northwest is a family-owned and family-operated insurance agency that provides health insurance products to clients in Spokane. The company takes a consultative approach to serving clients, taking the time to understand their risks to be able to put together an insurance program that provides adequate coverage. The company, which represents top-rated insurance companies such as Progressive and MetLife, is capable of providing multiple quotes to help clients choose the coverage that best meets their needs. Insurance Northwest also offers life and disability insurance.

License Verified:

License: 158695

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3913 North Post Street, Spokane, WA 99205
  • Individual Plans
  • Life Insurance

Why choose this provider?

Based in Spokane, Integrity Insurance Solutions focuses on providing for the health insurance needs of individuals and families. Its offerings include individual health insurance plans and Medicare, as well as supplemental benefits, such as dental, vision, and long-term care. This agency works with several insurance providers, including Aetna, Humana, and Providence. Company president Julie Shepard-Hall founded Integrity Insurance Solutions in 2006 and served as the president of the Eastern Washington Association of Health Underwriters from 2020 to 2021.

License Verified:

License: 761704

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (10)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1306 North Post Street, Spokane, WA 99201
  • Individual Plans
  • Life Insurance

Why choose this provider?

Wheat & Associates Insurance is a firm that provides health insurance services to the Spokane community. Aside from health coverage, it also has a lineup of customizable products for home, auto, business, bond, and life insurance through its partner providers. Besides being an independent insurance brokerage firm that helps clients with insurance coverage and walk-throughs, its agents are also active in community outreach programs led by various organizations including Rescue4All, Eastern Washington University Basketball, and Vanessa Behan Crisis Nursery.

License Verified:

License: 152205

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
59 East Queen Avenue, Spokane, WA 99207
  • Individual Plans
  • Life Insurance

Why choose this provider?

Anderson Insurance Services specializes in providing health insurance solutions to individuals, businesses, and senior citizens in Spokane and the surrounding areas. Medicare plans include Advantage, Supplement, and prescription plans. The company also offers life insurance and disability insurance solutions. Its principal, Rodney Anderson, has been a resident of Spokane for more than 40 years and has been in the insurance industry for over 17 years. Rodney also caters to clients in Idaho and Montana.

License Verified:

License: 1025123

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
112 North University Road, Spokane Valley, WA 99206
  • Group Plans

Why choose this provider?

All Medicare Solutions assists Spokane clients in navigating the various Medicare insurance plans and coverage options. The company has a team of Medicare insurance plan consultants who can help clients explore the available Medicare insurance plans and compare these plans to find the best option. It provides insurance plans from 15 different partner companies, including Aetna, Coventry, and UnitedHealthcare. All Medicare Solutions also caters to clients who want other coverage outside of Medicare.

License Verified:

License: 720124

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2308 East 57th Avenue, Spokane, WA 99223
  • Individual Plans
  • Life Insurance

Why choose this provider?

Darren Young is a State Farm insurance agent serving Spokane and the surrounding communities. His agency has more than 75 years of experience providing health insurance coverage options for families, individuals, and senior citizens. A wide range of plans is available for supplemental health, Medicare supplement, and individual medical coverage. Disability insurance is likewise offered for short and long-term needs. Aside from offering relocation services in Washington, Darren also specializes in auto, life, and homeowners' insurance. His services are available 24/7.

License Verified:

License: 122451

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.0 / 5 (10)
Facebook
3.0 / 5 (3)
Yelp
5.0 / 5 (2)

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.