individual_health_care_coverage

Document Sample
individual_health_care_coverage Powered By Docstoc
					Shopping for an
                     Individual
                    Health Plan




 Washington State
 Office of the
 Insurance Commissioner            Mike Kreidler
 www.insurance.wa.gov             Insurance Commissioner
Buying an individual health plan
An individual health plan is health insurance you buy directly from an insurance company for
yourself or for family members. Some individual health plans may not be sold where you live. Before
you select a plan, look at the chart on page 3 to see what plans are offered in your county.

Once you know which plans are offered in your county, be sure to compare the benefits and costs.

Rates
How much you’ll pay a month for a plan depends          Important Note:
on several factors including:
                                                        Most high-deductible/catastrophic health
     •	 Your age                                        plans (deductibles of $1,820 or more for
                                                        a single person or $3,640 or more for
     •	 Whether or not you smoke                        two or more people) are NOT portable.
                                                        This means if you select another plan in
     •	 The size of your family (how many
                                                        the future, you may have to wait up to 9
        people you want to cover)
                                                        months for coverage of a pre-existing
     •	 The deductible amount (what you have to         condition after your insurance takes effect.
        pay out of pocket before the plans starts
        to pay)

Generally, the higher the deductible you select, the less you’ll pay per month.

Before you make a final decision on costs and benefits, call the plan directly to get the most current
benefit information and rates. Company contact information is available on the next page.




                                                                                                         1
    Shopping for individual
    health plans
    Contact the companies
    For more informationabout specific individual health plans, contact the insurance company using
    the toll-free phone number or visit their Web site.

                                                      Premera Blue Cross
     Asuris Northwest Health
                                                      1-800-PLAN-ONE
     1-866-704-2708
                                                      (800-752-6663)
     www.asurisnorthwesthealth.com
                                                      www.premera.com

     Group Health Cooperative                         Regence BlueCross BlueShield of Oregon
     1-800-358-8815                                   1-800-777-3168
     www.ghc.org                                      www.or.regence.com
     Group Health Options                             Regence BlueShield of Idaho
     1-800-358-8815                                   1-800-632-2022
     www.ghc.org                                      www.id.regence.com
     Kaiser Foundation Health Plan of the North-
     west                                             Regence BlueShield of Washington
     1-800-914-5519 or                                1-888-344-8234
     1-800-813-2000                                   www.wa.regence.com
     www.kp.org
     KPS Health Plans                                 Time Insurance Company (Assurant Health)
     1-800-628-3753                                   1-800-228-9415
     www.kpshealthplans.com                           www.assuranthealth.com
     Lifewise Health Plan of Washington
      1-888-836-6135
     www.lifewisewa.com

    To see which plans are available in your county, please review the chart on the following page.




2
                                    Individual health plans by county




            Cooperative




                                                           Washington




                                                                                                             Washington
                                                           Health Plan
                                    Foundation




                                                                                   BlueCross/
Northwest




                                    Northwest
                                    Plan of the




                                                                                   BlueShield


                                                                                                BlueShield


                                                                                                             BlueShield


                                                                                                                          Insurance
                                                                                                                          Company
                                                                                   Regence
                                                                         Premera




                                                                                                Regence


                                                                                                             Regence
                          Options




                                                                                   Oregon
                                                           Lifewise
Health




                          Health



                                    Health



                                                  Health
                          Group
            Health
            Group




                                    Kaiser
Asuris




                                                                         Cross




                                                                                                Idaho




                                                                                                                          Time
                                                  Plans




                                                                         Blue
                                                  KPS
  X                                                 X          X           X                                                 X        Adams
  X                                                 X          X           X                       X                         X        Asotin
  X            X            X                       X          X           X                                                 X        Benton
  X                                                 X          X           X                                                 X        Chelan
                                                    X          X           X                                    X            X        Clallam
                                        X           X          X                       X                                     X        Clark
               X            X                       X          X           X                                    X            X        Columbia
                                        X           X          X           X                                    X            X        Cowlitz
  X                                                 X          X           X                                                 X        Douglas
  X                                                 X          X           X                                                 X        Ferry
  X            X            X                       X          X           X                                                 X        Franklin
  X                                                 X          X           X                       X                         X        Garfield
  X                                                 X          X           X                                                 X        Grant
               X                                    X          X           X                                    X            X        Grays Harbor
               X            X                       X          X           X                                    X            X        Island
                                                    X          X           X                                    X            X        Jefferson
               X            X                       X          X           X                                    X            X        King
               X            X                       X          X           X                                    X            X        Kitsap
  X            X            X                       X          X           X                                                 X        Kittitas
                                                    X          X           X                                    X            X        Klickitat
               X            X           X           X          X           X                                    X            X        Lewis
  X                                                 X          X           X                                                 X        Lincoln
               X            X                       X          X           X                                    X            X        Mason
  X                                                 X          X           X                                                 X        Okanogan
                                                    X          X           X                                    X            X        Pacific
  X                                                 X          X           X                                                 X        Pend Oreille
               X            X                       X          X           X                                    X            X        Pierce
               X            X                       X          X           X                                    X            X        San Juan
               X            X                       X          X           X                                    X            X        Skagit
                                        X           X          X           X                                    X            X        Skamania
               X            X                       X          X           X                                    X            X        Snohomish
  X            X            X                       X          X           X                                                 X        Spokane
  X                                                 X          X           X                                                 X        Stevens
               X            X                       X          X           X                                    X            X        Thurston
                                        X           X          X           X                                    X            X        Wahkiakum
               X            X                       X          X           X                                    X            X        Walla Walla
               X            X                       X          X           X                                    X            X        Whatcom
  X            X            X                       X          X           X                                                 X        Whitman
               X            X                       X          X           X                                    X            X        Yakima
                                                                                                                                                3
4
    Asuris Northwest Health
    2010 Monthly Rates for Individual Plans
    Rate Effective Date 1/1/2010
    Page one

                                   Smoker/Non-             Second + Age Band   Age Band   Age Band   Age Band Age Band Age Band Age Band Age Band Age Band
            Plan Name
                                     Smoker    First Child   Child    0-25       25-29      30-34      35-39    40-44    45-49    50-54    55-59    60+

     Individual Clarity 70 Plan,   Non-Smoker     $162     $145      $175        $202       $235       $277     $327     $397     $471     $554     $653
         $1,000 Deductible
                                     Smoker       $162     $145      $203        $231       $270       $318     $381     $458     $542     $638     $759

     Individual Clarity 70 Plan,   Non-Smoker     $108      $95      $113        $131       $153       $180     $215     $262     $305     $362     $422
         $3,000 Deductible
                                     Smoker       $108      $95      $132        $150       $178       $208     $249     $300     $355     $417     $495

     Individual Clarity 50 Plan,   Non-Smoker     $56       $53       $63        $70        $83        $98      $116     $140     $168     $197     $232
         $2,500 Deductible
                                     Smoker       $56       $53       $72        $82        $94        $111     $133     $161     $193     $227     $269

     Individual Clarity 50 Plan,   Non-Smoker     $43       $39       $47        $53        $62        $71      $86      $106     $124     $147     $174
         $5,000 Deductible
                                     Smoker       $43       $39       $55        $62        $71        $84      $99      $122     $145     $170     $203
    Asuris Northwest Health
    2010 Monthly Rates for Individual Plans
    HSA Plans Effective Date 1/1/2010
    Page Two

            Plan Name                                            Second + Age Band 0- Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band
                                 Smoker/Non-Smoker First Child     Child      24        25-29      30-34      35-39      40-44      45-49      50-54      55-59      60+

    Asuris HSA Comprehensive        Non-Smoker          NA         NA        $145      $145        $179       $211       $270       $310       $356       $426       $499
     Plan $1500 Deductible for
            Individual
                                      Smoker            NA         NA        $160      $160        $202       $256       $310       $356       $409       $493       $592


    Asuris HSA Comprehensive        Non-Smoker         $109        $108      $113      $113        $139       $165       $215       $246       $287       $339       $393
     Plan $3000 Deductible for
              Family

                                      Smoker           $109        $108      $126      $126        $160       $202       $246       $287       $327       $390       $471

    Asuris HSA Comprehensive        Non-Smoker          NA         NA        $102      $102        $124       $147       $189       $217       $250       $300       $351
     Plan $2500 Deductible for
            Individual
                                      Smoker            NA         NA        $111      $111        $140       $180       $217       $250       $287       $346       $416


    Asuris HSA Comprehensive        Non-Smoker         $77         $76       $79        $79        $98        $116       $148       $173       $202       $238       $277
     Plan $5000 Deductible for
              Family

                                      Smoker           $77         $76       $90        $90        $111       $140       $173       $202       $230       $275       $331

    Asuris HSA Comprehensive        Non-Smoker          NA         NA        $92        $92        $113       $134       $172       $197       $228       $272       $319
     Plan $3500 Deductible for
            Individual
                                      Smoker            NA         NA        $102      $102        $129       $162       $197       $228       $262       $315       $379


    Asuris HSA Comprehensive        Non-Smoker         $70         $69       $72        $72        $90        $106       $137       $155       $185       $217       $251
     Plan $7000 Deductible for
              Family

                                      Smoker           $70         $69       $82        $82        $102       $129       $155       $185       $209       $250       $301




5
6
    Asuris Northwest Health
    Monthly Rates for Individual Plans
    Rate Effective Date 1/1/2010
    Page Three

            Plan Name                                            Second + Age Band 0- Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band
                                 Smoker/Non-Smoker First Child     Child      24        25-29      30-34      35-39      40-44      45-49      50-54      55-59      60+

      Asuris Core Plan, $2,500      Non-Smoker         $74         $69       $83        $92        $109       $129       $152       $185       $220       $258       $304
             Deductible
                                      Smoker           $74         $69       $95       $107        $123       $146       $176       $212       $252       $297       $352

      Asuris Core Plan, $5,000      Non-Smoker         $61         $57       $69        $76        $90        $107       $126       $153       $183       $215       $253
             Deductible
                                      Smoker           $61         $57       $79        $89        $102       $121       $145       $177       $210       $247       $293

      Asuris Core Plan, $7,500      Non-Smoker         $55         $52       $62        $69        $82        $97        $114       $138       $165       $194       $229
             Deductible
                                      Smoker           $55         $52       $71        $81        $92        $109       $131       $159       $190       $223       $265

     Asuris Core Plan, $10,000      Non-Smoker         $51         $48       $57        $64        $75        $89        $105       $127       $151       $179       $211
            Deductible
                                      Smoker           $51         $48       $66        $74        $85        $101       $121       $146       $175       $205       $243
    Group Health Cooperative

    2010 Monthly Rates for Individual Market Plans
    Effective 1/1/2010


                                         Smoker/Non-             Age Band 0- Age Band   Age Band   Age Band Age Band 40- Age Band   Age Band   Age Band   Age Band
          Plan Name
                              Area         Smoker        Child       24        25-29      30-34      35-39      44         45-49      50-54      55-59      60-64    65+ (N)   (A&B)   (A)    (B)

                                           Smoker       $149       $284       $308       $357       $333       $348       $398       $492       $586       $757      $757      $478    $719   $719
                             Western
        Welcome $500                     Non-Smoker     $149       $236       $256       $297       $278       $290       $331       $410       $489       $631      $631      $400    $599   $599
      Deductible Plan 09
                                           Smoker       $152       $290       $339       $367       $340       $356       $407       $504       $600       $775      $775      $524    $736   $736
                           Central and
                            Eastern
                                         Non-Smoker     $152       $242       $282       $306       $284       $297       $339       $420       $500       $646      $646      $436    $613   $613

                                           Smoker        $71        $99       $110       $121       $133       $162       $191       $231       $285       $361      $361      $304    $345   $345
                             Western
       Welcome $1820                     Non-Smoker      $71        $84       $92        $101       $111       $136       $159       $192       $236       $302      $302      $254    $287   $287
      Deductible Plan 09
                           Central and     Smoker        $73       $102       $112       $123       $137       $166       $195       $235       $291       $369      $369      $304    $351   $351
                            Eastern
                                         Non-Smoker      $73        $85       $94        $103       $113       $138       $163       $197       $242       $308      $308      $254    $293   $293

                                           Smoker        $59        $82       $90         $99       $110       $134       $159       $191       $235       $298      $298      $298    $298   $298
                             Western
                                         Non-Smoker      $59        $69       $76         $82        $92       $112       $132       $159       $196       $248      $248      $248    $248   $248
       Welcome $3500
      Deductible Plan 09
                                           Smoker        $60        $84       $93        $102       $112       $138       $163       $195       $241       $305      $305      $305    $305   $305
                           Central and
                            Eastern
                                         Non-Smoker      $60        $70       $77         $85        $94       $114       $135       $163       $201       $254      $254      $254    $254   $254


    65+(N): 65 and over, not eligible for Medicare
    (A&B): Plan members enrolled in Medicare Parts A and B
    (A): Plan members enrolled in Medicare Part A
    (B): Plan members enrolled in Medicare Part B




7
8
    Group Health Options

    2010 Monthly Rates for New Individual Market Plans
    Effective 1/1/2010


                                           Smoker/Non-           Age Band 0- Age Band   Age Band   Age Band Age Band 40- Age Band   Age Band   Age Band   Age Band   Age Band
           Plan Name
                                  Area       Smoker      Child       24        25-29      30-34      35-39      44         45-49      50-54      55-59      60-64      65+
                                             Smoker      $129      $245       $297       $309       $287       $299       $342       $425       $505       $653       $653
                                 Western
     Balance 1000 Plan - 09                Non-Smoker    $129      $204       $247       $259       $239       $250       $285       $352       $421       $543       $543
       $1000 Deductible
                                             Smoker      $131      $251       $304       $316       $294       $306       $350       $434       $517       $667       $667
                                 Eastern
                                           Non-Smoker    $131      $209       $253       $264       $245       $255       $291       $361       $431       $556       $556
                                             Smoker      $107      $207       $251       $261       $242       $253       $289       $357       $427       $550       $550
                                 Western
     Balance 1500 Plan - 09                Non-Smoker    $107      $173       $209       $218       $202       $211       $241       $298       $355       $459       $459
       $1500 Deductible
                                             Smoker      $110      $211       $256       $268       $247       $259       $296       $366       $437       $562       $562
                                 Eastern
                                           Non-Smoker    $110      $176       $213       $222       $207       $216       $246       $305       $364       $470       $470
                                             Smoker      $60        $84       $93        $102       $112       $138       $163       $195       $239       $304       $304
                                 Western
     Balance 2500 Plan - 09                Non-Smoker    $60        $70       $77        $85        $94        $114       $135       $163       $200       $254       $254
       $2500 Deductible
                                             Smoker      $62        $86       $95        $104       $115       $141       $166       $200       $245       $312       $312
                                 Eastern
                                           Non-Smoker    $62        $71       $79        $86        $96        $116       $139       $166       $204       $260       $260
                                             Smoker      $51        $70       $77         $85        $94       $114       $135       $163       $200       $254       $254
                                 Western
     Balance 5000 Plan - 09                Non-Smoker    $51        $59       $64         $70        $78       $95        $112       $135       $167       $211       $211
       $5000 Deductible
                                             Smoker      $52        $71       $79         $86        $96       $116       $139       $166       $204       $260       $260
                                 Eastern
                                           Non-Smoker    $52        $60       $66         $72        $80       $97        $114       $139       $171       $217       $217
                                             Smoker      $58        $80       $88         $97       $107       $131       $155       $186       $229       $290       $290
                                 Western
     $2000 Individual/ $4000               Non-Smoker    $58        $67       $73         $80       $89        $108       $129       $155       $191       $242       $242
    Family Catastrophic Plan -
               09                            Smoker      $59        $82       $90         $99       $110       $134       $158       $190       $234       $297       $297
                                 Eastern
                                           Non-Smoker    $59        $68       $76         $82       $92        $111       $132       $159       $195       $247       $247
                                                      Kaiser Foundation Health Plan of the Northwest
                                                                  Individuals and Families Plans
                                                                Clark County - Non-Smoker Rates
                                                      Effective January 1, 2010 Through December 31, 2010
                                                                                             Subscriber Age1
               Subscriber Tier                             <25    25 - 29   30 - 34   35 - 39    40 - 44    45 - 49   50 - 54   55 - 59    60+

Gold 500 - Form BSWIdDedG500XX0110, RWRxGU0110, & RWVhI0110
Child/Subscriber Only          $167    $197      $219    $252                                     $311        $368      $462      $537      $626
Subscriber + Spouse            $334    $394      $438    $504                                     $622        $736      $924    $1,074    $1,252
Subscriber + Child(ren)        $301    $355      $394    $454                                     $560        $662      $832      $967    $1,127
Subscriber, Spouse, Child(ren) $501    $591      $657    $756                                     $933      $1,104    $1,386    $1,611    $1,878

Gold 1000 - Form BSWIdDedG1000XX0110, RWRxGU0110, & RWVhI0110
Child/Subscriber Only          $158     $187    $208     $239                                     $295        $349      $438      $509      $592
Subscriber + Spouse            $316     $374    $416     $478                                     $590        $698      $876    $1,018    $1,184
Subscriber + Child(ren)        $284     $337    $374     $430                                     $531        $628      $788      $916    $1,065
Subscriber, Spouse, Child(ren) $474     $561    $624     $717                                     $885      $1,047    $1,314    $1,527    $1,776

Silver 1500 - Form BSWIdDedS1500XX0110 & RWRxGU0110
Child/Subscriber Only            $148     $175   $194                                  $223       $275        $326      $409      $475      $554
Subscriber + Spouse              $296     $350   $388                                  $446       $550        $652      $818      $950    $1,108
Subscriber + Child(ren)          $266     $315   $349                                  $401       $495        $587      $736      $855      $997
Subscriber, Spouse, Child(ren)   $444     $525   $582                                  $669       $825        $978    $1,227    $1,425    $1,662

Silver 2500 - Form BSWIdDedS2500XX0110 & RWRxGU0110
Child/Subscriber Only            $141     $167   $185                                  $213       $263        $311      $390      $453      $528
Subscriber + Spouse              $282     $334   $370                                  $426       $526        $622      $780      $906    $1,056
Subscriber + Child(ren)          $254     $301   $333                                  $383       $473        $560      $702      $815      $950
Subscriber, Spouse, Child(ren)   $423     $501   $555                                  $639       $789        $933    $1,170    $1,359    $1,584

Silver 3500 - Form BSWIdDedS35000XX0110 & RWRxGU0110
Child/Subscriber Only            $134     $159   $176                                  $203       $250        $297     $372       $432      $502
Subscriber + Spouse              $268     $318   $352                                  $406       $500        $594     $744       $864    $1,004
Subscriber + Child(ren)          $241     $286   $317                                  $365       $450        $535     $670       $778      $903
Subscriber, Spouse, Child(ren)   $402     $477   $528                                  $609       $750        $891    $1,116    $1,296    $1,506

Silver 5000 - Form BSWIdDedS5000XX0110 & RWRxGU0110
Child/Subscriber Only            $129     $152   $169                                  $194       $240        $284      $356      $413      $482
Subscriber + Spouse              $258     $304   $338                                  $388       $480        $568      $712      $826      $964
Subscriber + Child(ren)          $232     $274   $304                                  $349       $432        $511      $641      $743      $868
Subscriber, Spouse, Child(ren)   $387     $456   $507                                  $582       $720        $852    $1,068    $1,239    $1,446

Silver 7500 - Form BSWIdDedS7500XX0110 & RWRxGU0110
Child/Subscriber Only            $124     $146   $162                                  $187       $231        $273      $342      $398      $464
Subscriber + Spouse              $248     $292   $324                                  $374       $462        $546      $684      $796      $928
Subscriber + Child(ren)          $223     $263   $292                                  $337       $416        $491      $616      $716      $835
Subscriber, Spouse, Child(ren)   $372     $438   $486                                  $561       $693        $819    $1,026    $1,194    $1,392

Bronze 2500 - Form BSWIdDedB2500XX0110
Child/Subscriber Only            $93                               $110      $137      $188       $253        $279     $329       $340      $348
Subscriber + Spouse             $186                               $220      $274      $376       $506        $558     $658       $680      $696
Subscriber + Child(ren)         $167                               $198      $247      $338       $455        $502     $592       $612      $626
Subscriber, Spouse, Child(ren)  $279                               $330      $411      $564       $759        $837     $987     $1,020    $1,044

Bronze 3500 - Form BSWIdDedB35000XX0110
Child/Subscriber Only            $88                               $103      $128      $176       $237        $262     $309      $319      $328
Subscriber + Spouse             $176                               $206      $256      $352       $474        $524     $618      $638      $656
Subscriber + Child(ren)         $158                               $185      $230      $317       $427        $472     $556      $574      $590
Subscriber, Spouse, Child(ren)  $264                               $309      $384      $528       $711        $786     $927      $957      $984

Bronze 5000 - Form BSWIdDedB5000XX0110
Child/Subscriber Only            $82                                $97      $120      $165       $222        $245     $289      $298      $307
Subscriber + Spouse             $164                               $194      $240      $330       $444        $490     $578      $596      $614
Subscriber + Child(ren)         $148                               $175      $216      $297       $400        $441     $520      $536      $553
Subscriber, Spouse, Child(ren)  $246                               $291      $360      $495       $666        $735     $867      $894      $921

Bronze 7500 - Form BSWIdDedB7500XX0110
Child/Subscriber Only            $79                                $93      $116      $159       $214        $236     $278      $287      $296
Subscriber + Spouse             $158                               $186      $232      $318       $428        $472     $556      $574      $592
Subscriber + Child(ren)         $142                               $167      $209      $286       $385        $425     $500      $517      $532
Subscriber, Spouse, Child(ren)  $237                               $279      $348      $477       $642        $708     $834      $861      $888
1Subscriberless spouses are treated as subscribers.




                                                                                                                                                   9
                                                       Kaiser Foundation Health Plan of the Northwest
                                                                       Individuals and Families Plans
                                                                        Clark County - Smoker Rates
                                                           Effective January 1, 2010 Through December 31, 2010

                                                                                                 Subscriber Age1
                    Subscriber Tier                             <25    25 - 29   30 - 34   35 - 39   40 - 44    45 - 49   50 - 54   55 - 59    60+

     Gold 500 - Form BSWIdDedG500XX0110, RWRxGU0110, & RWVhI0110
     Child/Subscriber Only          $202    $239      $265    $305                                     $377      $446       $560      $650      $757
     Subscriber + Spouse            $404    $478      $530    $610                                     $754       $892    $1,120    $1,300    $1,514
     Subscriber + Child(ren)        $364    $430      $477    $549                                     $679      $803     $1,008    $1,170    $1,363
     Subscriber, Spouse, Child(ren) $606    $717      $795    $915                                   $1,131     $1,338    $1,680    $1,950    $2,271

     Gold 1000 - Form BSWIdDedG1000XX0110, RWRxGU0110, & RWVhI0110
     Child/Subscriber Only          $192     $226    $251     $289                                     $357      $423       $530      $616      $718
     Subscriber + Spouse            $384     $452    $502     $578                                     $714       $846    $1,060    $1,232    $1,436
     Subscriber + Child(ren)        $346     $407    $452     $520                                     $643      $761       $954    $1,109    $1,292
     Subscriber, Spouse, Child(ren) $576     $678    $753     $867                                   $1,071     $1,269    $1,590    $1,848    $2,154

     Silver 1500 - Form BSWIdDedS1500XX0110 & RWRxGU0110
     Child/Subscriber Only            $178     $211   $234                                  $269       $332      $393       $494      $574      $667
     Subscriber + Spouse              $356     $422   $468                                  $538       $664       $786      $988    $1,148    $1,334
     Subscriber + Child(ren)          $320     $380   $421                                  $484       $598      $707       $889    $1,033    $1,200
     Subscriber, Spouse, Child(ren)   $534     $633   $702                                  $807       $996     $1,179    $1,482    $1,722    $2,001

     Silver 2500 - Form BSWIdDedS2500XX0110 & RWRxGU0110
     Child/Subscriber Only            $170     $201   $223                                  $256       $316      $375       $470     $546       $637
     Subscriber + Spouse              $340     $402   $446                                  $512       $632       $750      $940    $1,092    $1,274
     Subscriber + Child(ren)          $306     $362   $401                                  $461       $569      $675       $846     $983     $1,147
     Subscriber, Spouse, Child(ren)   $510     $603   $669                                  $768       $948     $1,125    $1,410    $1,638    $1,911

     Silver 3500 - Form BSWIdDedS35000XX0110 & RWRxGU0110
     Child/Subscriber Only            $162     $191   $212                                  $244       $301      $357       $447     $520       $606
     Subscriber + Spouse              $324     $382   $424                                  $488       $602       $714      $894    $1,040    $1,212
     Subscriber + Child(ren)          $292     $344   $382                                  $439       $542      $643       $805     $936     $1,091
     Subscriber, Spouse, Child(ren)   $486     $573   $636                                  $732       $903     $1,071    $1,341    $1,560    $1,818

     Silver 5000 - Form BSWIdDedS5000XX0110 & RWRxGU0110
     Child/Subscriber Only            $154     $182   $203                                  $233       $288      $340       $427     $496       $577
     Subscriber + Spouse              $308     $364   $406                                  $466       $576       $680      $854      $992    $1,154
     Subscriber + Child(ren)          $277     $328   $365                                  $419       $518      $612       $769     $893     $1,038
     Subscriber, Spouse, Child(ren)   $462     $546   $609                                  $699       $864     $1,020    $1,281    $1,488    $1,731

     Silver 7500 - Form BSWIdDedS7500XX0110 & RWRxGU0110
     Child/Subscriber Only            $148     $175   $195                                  $224       $276       $327      $411     $477       $555
     Subscriber + Spouse              $296     $350   $390                                  $448       $552       $654      $822      $954    $1,110
     Subscriber + Child(ren)          $266     $315   $351                                  $403       $497       $589      $740     $859       $997
     Subscriber, Spouse, Child(ren)   $444     $525   $585                                  $672       $828       $981    $1,233    $1,431    $1,665

     Bronze 2500 - Form BSWIdDedB2500XX0110
     Child/Subscriber Only           $111                               $132      $163      $224       $301       $333      $393     $405       $416
     Subscriber + Spouse             $222                               $264      $326      $448       $602       $666      $786      $810      $832
     Subscriber + Child(ren)         $200                               $238      $293      $403       $542       $599      $707     $729       $749
     Subscriber, Spouse, Child(ren)  $333                               $396      $489      $672       $903       $999    $1,179    $1,215    $1,248

     Bronze 3500 - Form BSWIdDedB35000XX0110
     Child/Subscriber Only           $104                               $123      $153      $209       $282       $312      $367     $379       $390
     Subscriber + Spouse             $208                               $246      $306      $418       $564       $624      $734      $758      $780
     Subscriber + Child(ren)         $187                               $221      $275      $376       $508       $562      $661     $682       $701
     Subscriber, Spouse, Child(ren)  $312                               $369      $459      $627       $846       $936    $1,101    $1,137    $1,170

     Bronze 5000 - Form BSWIdDedB5000XX0110
     Child/Subscriber Only            $97                               $115      $142      $195       $263       $291      $342     $354       $363
     Subscriber + Spouse             $194                               $230      $284      $390       $526       $582      $684      $708      $726
     Subscriber + Child(ren)         $175                               $207      $256      $351       $473       $524      $616     $637       $653
     Subscriber, Spouse, Child(ren)  $291                               $345      $426      $585       $789       $873    $1,026    $1,062    $1,089

     Bronze 7500 - Form BSWIdDedB7500XX0110
     Child/Subscriber Only            $93                               $110      $137      $187       $253       $279     $329      $340       $348
     Subscriber + Spouse             $186                               $220      $274      $374       $506       $558     $658       $680      $696
     Subscriber + Child(ren)         $167                               $198      $247      $337       $455       $502     $592      $612       $626
     Subscriber, Spouse, Child(ren)  $279                               $330      $411      $561       $759       $837     $987     $1,020    $1,044
     1Subscriberless spouses are treated as subscribers.




10
                                                      Kaiser Foundation Health Plan of the Northwest
                                                                  Individuals and Families Plans
                                                          Other than Clark County - Non-Smoker Rates
                                                      Effective January 1, 2010 Through December 31, 2010
                                                                                             Subscriber Age1
               Subscriber Tier                             <25    25 - 29   30 - 34   35 - 39    40 - 44    45 - 49   50 - 54   55 - 59    60+

Gold 500 - Form BSWIdDedG500XX0110, RWRxGU0110, & RWVhI0110
Child/Subscriber Only          $177    $209      $232    $267                                     $329        $390      $489      $569      $663
Subscriber + Spouse            $354    $418      $464    $534                                     $658        $780      $978    $1,138    $1,326
Subscriber + Child(ren)        $319    $376      $418    $481                                     $592        $702      $880    $1,024    $1,193
Subscriber, Spouse, Child(ren) $531    $627      $696    $801                                     $987      $1,170    $1,467    $1,707    $1,989

Gold 1000 - Form BSWIdDedG1000XX0110, RWRxGU0110, & RWVhI0110
Child/Subscriber Only          $168     $199    $221     $254                                     $314       $371       $466      $541      $630
Subscriber + Spouse            $336     $398    $442     $508                                     $628       $742       $932    $1,082    $1,260
Subscriber + Child(ren)        $302     $358    $398     $457                                     $565       $668       $839      $974    $1,132
Subscriber, Spouse, Child(ren) $504     $597    $663     $762                                     $942      $1,113    $1,398    $1,623    $1,890

Silver 1500 - Form BSWIdDedS1500XX0110 & RWRxGU0110
Child/Subscriber Only            $158     $186   $207                                  $238       $294        $348      $436      $507      $591
Subscriber + Spouse              $316     $372   $414                                  $476       $588        $696      $872    $1,014    $1,182
Subscriber + Child(ren)          $284     $335   $373                                  $428       $529        $626      $785      $913    $1,064
Subscriber, Spouse, Child(ren)   $474     $558   $621                                  $714       $882      $1,044    $1,308    $1,521    $1,773

Silver 2500 - Form BSWIdDedS2500XX0110 & RWRxGU0110
Child/Subscriber Only            $151     $178   $198                                  $228       $281        $333      $417      $485      $566
Subscriber + Spouse              $302     $356   $396                                  $456       $562        $666      $834      $970    $1,132
Subscriber + Child(ren)          $272     $320   $356                                  $410       $506        $599      $751      $873    $1,019
Subscriber, Spouse, Child(ren)   $453     $534   $594                                  $684       $843        $999    $1,251    $1,455    $1,698

Silver 3500 - Form BSWIdDedS35000XX0110 & RWRxGU0110
Child/Subscriber Only            $144     $171   $189                                  $218       $269        $318      $399      $464      $540
Subscriber + Spouse              $288     $342   $378                                  $436       $538        $636      $798      $928    $1,080
Subscriber + Child(ren)          $259     $308   $340                                  $392       $484        $572      $718      $835      $971
Subscriber, Spouse, Child(ren)   $432     $513   $567                                  $654       $807        $954    $1,197    $1,392    $1,620

Silver 5000 - Form BSWIdDedS5000XX0110 & RWRxGU0110
Child/Subscriber Only            $138     $164   $182                                  $209       $258        $306      $383      $445      $517
Subscriber + Spouse              $276     $328   $364                                  $418       $516        $612      $766      $890    $1,034
Subscriber + Child(ren)          $248     $295   $328                                  $376       $464        $551      $689      $801      $930
Subscriber, Spouse, Child(ren)   $414     $492   $546                                  $627       $774        $918    $1,149    $1,335    $1,551

Silver 7500 - Form BSWIdDedS7500XX0110 & RWRxGU0110
Child/Subscriber Only            $134     $158   $175                                  $202       $249        $295     $370       $430      $501
Subscriber + Spouse              $268     $316   $350                                  $404       $498        $590     $740       $860    $1,002
Subscriber + Child(ren)          $241     $284   $315                                  $364       $448        $531     $666       $774      $902
Subscriber, Spouse, Child(ren)   $402     $474   $525                                  $606       $747        $885    $1,110    $1,290    $1,503

Bronze 2500 - Form BSWIdDedB2500XX0110
Child/Subscriber Only           $102                               $120      $149      $204       $275        $304      $358     $370       $381
Subscriber + Spouse             $204                               $240      $298      $408       $550        $608      $716     $740       $762
Subscriber + Child(ren)         $184                               $216      $268      $367       $495        $547      $644     $666       $686
Subscriber, Spouse, Child(ren)  $306                               $360      $447      $612       $825        $912    $1,074    $1,110    $1,143

Bronze 3500 - Form BSWIdDedB35000XX0110
Child/Subscriber Only            $96                               $113      $141      $193       $260        $287      $338      $349      $359
Subscriber + Spouse             $192                               $226      $282      $386       $520        $574      $676      $698      $718
Subscriber + Child(ren)         $173                               $203      $254      $347       $468        $517      $608      $628      $646
Subscriber, Spouse, Child(ren)  $288                               $339      $423      $579       $780        $861    $1,014    $1,047    $1,077

Bronze 5000 - Form BSWIdDedB5000XX0110
Child/Subscriber Only            $90                               $107      $132      $181       $244        $270     $318      $329      $337
Subscriber + Spouse             $180                               $214      $264      $362       $488        $540     $636      $658      $674
Subscriber + Child(ren)         $162                               $193      $238      $326       $439        $486     $572      $592      $607
Subscriber, Spouse, Child(ren)  $270                               $321      $396      $543       $732        $810     $954      $987     $1,011

Bronze 7500 - Form BSWIdDedB7500XX0110
Child/Subscriber Only            $87                               $103      $128      $175       $236        $261     $308      $318      $326
Subscriber + Spouse             $174                               $206      $256      $350       $472        $522     $616      $636      $652
Subscriber + Child(ren)         $157                               $185      $230      $315       $425        $470     $554      $572      $587
Subscriber, Spouse, Child(ren)  $261                               $309      $384      $525       $708        $783     $924      $954      $978
1Subscriberless spouses are treated as subscribers.




                                                                                                                                                   11
                                                           Kaiser Foundation Health Plan of the Northwest
                                                                       Individuals and Families Plans
                                                                  Other than Clark County - Smoker Rates
                                                           Effective January 1, 2010 Through December 31, 2010

                                                                                                  Subscriber Age1
                    Subscriber Tier                             <25    25 - 29   30 - 34   35 - 39    40 - 44    45 - 49   50 - 54   55 - 59    60+

     Gold 500 - Form BSWIdDedG500XX0110, RWRxGU0110, & RWVhI0110
     Child/Subscriber Only          $212    $251      $278    $320                                      $395       $468      $587      $682      $795
     Subscriber + Spouse            $424    $502      $556    $640                                      $790       $936    $1,174    $1,364    $1,590
     Subscriber + Child(ren)        $382    $452      $500    $576                                      $711       $842    $1,057    $1,228    $1,431
     Subscriber, Spouse, Child(ren) $636    $753      $834    $960                                    $1,185     $1,404    $1,761    $2,046    $2,385

     Gold 1000 - Form BSWIdDedG1000XX0110, RWRxGU0110, & RWVhI0110
     Child/Subscriber Only          $201     $238    $264     $304                                      $375       $444      $557      $648      $753
     Subscriber + Spouse            $402     $476    $528     $608                                      $750       $888    $1,114    $1,296    $1,506
     Subscriber + Child(ren)        $362     $428    $475     $547                                      $675       $799    $1,003    $1,166    $1,355
     Subscriber, Spouse, Child(ren) $603     $714    $792     $912                                    $1,125     $1,332    $1,671    $1,944    $2,259

     Silver 1500 - Form BSWIdDedS1500XX0110 & RWRxGU0110
     Child/Subscriber Only            $188     $222   $247                                  $284        $351       $415      $521      $606      $705
     Subscriber + Spouse              $376     $444   $494                                  $568        $702       $830    $1,042    $1,212    $1,410
     Subscriber + Child(ren)          $338     $400   $445                                  $511        $632       $747      $938    $1,091    $1,267
     Subscriber, Spouse, Child(ren)   $564     $666   $741                                  $852      $1,053     $1,245    $1,563    $1,818    $2,115

     Silver 2500 - Form BSWIdDedS2500XX0110 & RWRxGU0110
     Child/Subscriber Only            $180     $212   $236                                  $271        $335       $396      $497      $578      $674
     Subscriber + Spouse              $360     $424   $472                                  $542        $670       $792      $994    $1,156    $1,348
     Subscriber + Child(ren)          $324     $382   $425                                  $488        $603       $713      $895    $1,040    $1,213
     Subscriber, Spouse, Child(ren)   $540     $636   $708                                  $813      $1,005     $1,188    $1,491    $1,734    $2,022

     Silver 3500 - Form BSWIdDedS35000XX0110 & RWRxGU0110
     Child/Subscriber Only            $172     $203   $225                                  $259       $320        $378      $475      $552      $643
     Subscriber + Spouse              $344     $406   $450                                  $518       $640        $756      $950    $1,104    $1,286
     Subscriber + Child(ren)          $310     $365   $405                                  $466       $576        $680      $855      $994    $1,157
     Subscriber, Spouse, Child(ren)   $516     $609   $675                                  $777       $960      $1,134    $1,425    $1,656    $1,929

     Silver 5000 - Form BSWIdDedS5000XX0110 & RWRxGU0110
     Child/Subscriber Only            $164     $194   $216                                  $248       $306        $362      $455      $528      $615
     Subscriber + Spouse              $328     $388   $432                                  $496       $612        $724      $910    $1,056    $1,230
     Subscriber + Child(ren)          $295     $349   $389                                  $446       $551        $652      $819      $950    $1,106
     Subscriber, Spouse, Child(ren)   $492     $582   $648                                  $744       $918      $1,086    $1,365    $1,584    $1,845

     Silver 7500 - Form BSWIdDedS7500XX0110 & RWRxGU0110
     Child/Subscriber Only            $158     $187   $208                                  $239       $295        $349      $438      $509      $592
     Subscriber + Spouse              $316     $374   $416                                  $478       $590        $698      $876    $1,018    $1,184
     Subscriber + Child(ren)          $284     $337   $374                                  $430       $531        $628      $788      $916    $1,065
     Subscriber, Spouse, Child(ren)   $474     $561   $624                                  $717       $885      $1,047    $1,314    $1,527    $1,776

     Bronze 2500 - Form BSWIdDedB2500XX0110
     Child/Subscriber Only           $120                               $141      $176      $240       $324        $358      $422      $436      $449
     Subscriber + Spouse             $240                               $282      $352      $480       $648        $716      $844      $872      $898
     Subscriber + Child(ren)         $216                               $254      $317      $432       $583        $644      $760      $785      $808
     Subscriber, Spouse, Child(ren)  $360                               $423      $528      $720       $972      $1,074    $1,266    $1,308    $1,347

     Bronze 3500 - Form BSWIdDedB35000XX0110
     Child/Subscriber Only           $112                               $133      $165      $226       $304        $336      $396      $409      $420
     Subscriber + Spouse             $224                               $266      $330      $452       $608        $672      $792      $818      $840
     Subscriber + Child(ren)         $202                               $239      $297      $407       $547        $605      $713      $736      $756
     Subscriber, Spouse, Child(ren)  $336                               $399      $495      $678       $912      $1,008    $1,188    $1,227    $1,260

     Bronze 5000 - Form BSWIdDedB5000XX0110
     Child/Subscriber Only           $105                               $125      $155      $212       $285        $316     $372       $384      $393
     Subscriber + Spouse             $210                               $250      $310      $424       $570        $632     $744       $768      $786
     Subscriber + Child(ren)         $189                               $225      $279      $382       $513        $569     $670       $691      $707
     Subscriber, Spouse, Child(ren)  $315                               $375      $465      $636       $855        $948    $1,116    $1,152    $1,179

     Bronze 7500 - Form BSWIdDedB7500XX0110
     Child/Subscriber Only           $102                               $120      $149      $204       $275        $304      $358     $370       $381
     Subscriber + Spouse             $204                               $240      $298      $408       $550        $608      $716     $740       $762
     Subscriber + Child(ren)         $184                               $216      $268      $367       $495        $547      $644     $666       $686
     Subscriber, Spouse, Child(ren)  $306                               $360      $447      $612       $825        $912    $1,074    $1,110    $1,143
     1Subscriberless spouses are treated as subscribers.




12
     KPS Health Plans

     2010 Monthly Rates for Individual Plans
     Rate Effective Date 1/1/2010
     Page One


                                   Smoker/Non-             Age Band Age Band Age Band Age Band Age Band Age Band Age Band Age Band Age Band
         Plan Name         Area      Smoker      Per Child   <25     25-29    30-34    35-39    40-44    45-49    50-54    55-59     60+

     Sound Harbor Elite               Smoker      $127     $217     $265     $281     $286      $300     $320     $401     $529     $672
                          West
     $1000 Deductible
                                   Non-Smoker     $127     $184     $225     $240     $242      $254     $271     $339     $449     $569

     Sound Harbor Elite               Smoker      $135     $230     $281     $298     $303      $318     $339     $425     $561     $712
                           East
     $1000 Deductible
                                   Non-Smoker     $135     $195     $239     $254     $257      $269     $287     $359     $476     $603

       Essential Plus                 Smoker      $85      $127     $142     $149     $164      $197     $221     $281     $365     $462
                          West
     $2000 Deductible
                                   Non-Smoker     $85      $107     $120     $127     $139      $167     $190     $239     $310     $392

       Essential Plus                 Smoker      $90      $135     $151     $158     $174      $209     $234     $298     $387     $490
                           East
     $2000 Deductible
                                   Non-Smoker     $90      $113     $127     $135     $147      $177     $201     $253     $329     $416
       Sound Harbor                               $79      $118     $132     $139     $153      $183     $206     $261     $340     $429
                                      Smoker
         Enterprise       West
     $3,000 Deductible             Non-Smoker     $79       $99     $112     $118     $129      $155     $177     $221     $287     $364
       Sound Harbor                               $84      $125     $140     $147     $162      $194     $218     $277     $360     $455
                                      Smoker
         Enterprise        East
     $3,000 Deductible             Non-Smoker     $84      $105     $119     $125     $137      $164     $188     $234     $304     $386
       Sound Harbor                               $65       $97     $109     $115     $126      $151     $170     $215     $280     $354
                                      Smoker
         Enterprise       West
     $5,000 Deductible             Non-Smoker     $65       $82      $91      $97     $107      $129     $145     $183     $238     $300
       Sound Harbor                               $69      $103     $116     $122     $134      $160     $180     $228     $297     $375
                                      Smoker
         Enterprise        East
     $5,000 Deductible             Non-Smoker     $69       $87      $96     $103     $113      $137     $154     $194     $252     $318




13
14
     KPS Health Plans

     2010 Monthly Rates for Individual Plans
     Rate Effective Date 1/1/2010
     Page Two



                                       Smoker/Non-               Age Band Age Band Age Band Age Band Age Band Age Band Age Band Age Band Age Band
           Plan Name           Area      Smoker      Per Child     <25     25-29    30-34    35-39    40-44    45-49    50-54    55-59     60+
      The Healthy Investor                                        $182     $221     $235     $240     $252     $267     $335     $443     $562
                                          Smoker       NA
     $2,000 Deductible for     West
           Individual                   Non-Smoker     NA         $153     $189     $200     $202     $212     $226     $283     $376     $476

      The Healthy Investor
                                          Smoker      $105        $180     $219     $232     $236     $249     $265     $332     $437     $556
     $4,000 Deductible for     West
            Family                      Non-Smoker    $105        $152     $187     $198     $200     $210     $224     $281     $371     $472
      The Healthy Investor
                                          Smoker       NA         $193     $234     $249     $254     $267     $283     $355     $470     $596
     $2,000 Deductible for     East
           Individual                   Non-Smoker     NA         $162     $200     $212     $214     $225     $240     $300     $399     $505
      The Healthy Investor
                                          Smoker      $111        $191     $232     $246     $250     $264     $281     $352     $463     $589
     $4,000 Deductible for     East
            Family                      Non-Smoker    $111        $161     $198     $210     $212     $223     $237     $298     $393     $500
      The Healthy Investor
                                          Smoker       NA         $161     $197     $209     $213     $223     $238     $298     $393     $499
     $3,000 Deductible for     West
           Individual                   Non-Smoker     NA         $137     $167     $178     $180     $189     $202     $252     $334     $423
      The Healthy Investor
                                          Smoker       $93        $160     $195     $207     $211     $221     $235     $295     $390     $494
     $6,000 Deductible for     West
            Family                      Non-Smoker     $93        $135     $165     $177     $178     $187     $200     $250     $330     $419
      The Healthy Investor
                                          Smoker       NA         $171     $209     $222     $226     $236     $252     $316     $417     $529
     $3,000 Deductible for     East
           Individual                   Non-Smoker     NA         $145     $177     $189     $191     $200     $214     $267     $354     $448
      The Healthy Investor
                                          Smoker       $99        $170     $207     $219     $224     $234     $249     $313     $413     $524
     $6,000 Deductible for     East
            Family                      Non-Smoker     $99        $143     $175     $188     $189     $198     $212     $265     $350     $444
     Lifewise Health Plan of Washington

     2010 Monthly Rates for Individual Market Plans
     Effective 1/1/2010
     Page One

     Per Adult                           Comprehensive Plan


                         WiseChoices Prime             WiseChoices Prime
                         ($1,500 Deductible)           ($3,000 Deductible)
       Age Band      Non-Smoker          Smoker     Non-Smoker          Smoker
          <25           $177             $207         $150               $175
         25-29          $201             $233         $170               $197
         30-34          $231             $268         $195               $226
         35-39          $277             $322         $234               $272
         40-44          $324             $380         $274               $321
         45-49          $408             $471         $345               $398
         50-54          $499             $581         $422               $491
         55-59          $581             $674         $491               $569
          60+           $661             $774         $558               $653
       Per Child                  $149                           $126

     Per Adult                                                         HSA Compatible Plans

                        WiseSavings 20 Plan            WiseSavings 20 Plan            WiseSavings 20 Plan          WiseSavings 20 Plan
                         ($1,820 Ded) IND               ($3,640 Ded) FAM               ($3,000 Ded) IND             ($6,000 Ded) FAM
       Age Band      Non-Smoker          Smoker     Non-Smoker          Smoker      Non-Smoker         Smoker   Non-Smoker         Smoker
          <25           $123             $144         $91                $107          $97             $114        $75              $87
         25-29          $140             $162         $103               $120          $109            $128        $83              $97
         30-34          $161             $186         $119               $138          $128            $149        $97             $113
         35-39          $192             $224         $142               $165          $153            $176       $115             $135
         40-44          $226             $265         $167               $195          $181            $210       $136             $160
         45-49          $284             $328         $210               $242          $225            $262       $171             $198
         50-54          $347             $404         $257               $299          $275            $320       $210             $245
         55-59          $404             $469         $299               $347          $323            $373       $245             $284
          60+           $460             $538         $340               $398          $362            $427       $277             $324
       Per Child                  N/A                            $77                             N/A                         $62




15
16
     Lifewise Health Plan of Washington

     2010 Monthly Rates for Individual Market Plans
     Effective 1/1/2010
     Page Two

     Per Adult                                           Value Plan
                        WiseEssentials Rx             WiseEssentials Rx        WiseEssentials Rx
                          ($1,850 Ded)                  ($2,500 Ded)             ($3,500 Ded)
       Age Band     Non-Smoker         Smoker   Non-Smoker         Smoker   Non-Smoker         Smoker
          <25          $109            $128            $93         $109        $83              $98
         25-29         $124            $143           $105         $122        $95             $110
         30-34         $142            $165           $121         $140       $109             $126
         35-39         $170            $198           $145         $169       $130             $152
         40-44         $199            $234           $170         $199       $153             $179
         45-49         $251            $290           $214         $247       $192             $222
         50-54         $307            $357           $262         $305       $235             $274
         55-59         $357            $414           $305         $353       $274             $317
          60+          $407            $476           $347         $405       $311             $364
       Per Child                 $92                         $78                         $70

     Per Adult                                           Value Plan
                      WiseEssentials Copay        WiseEssentials Copay           WiseSimplicity
                          ($5,000 Ded)                ($7,500 Ded)               ($10,000 Ded)
       Age Band     Non-Smoker         Smoker   Non-Smoker         Smoker   Non-Smoker         Smoker
          <25           $75             $88            $61          $72        $54              $62
         25-29          $84             $98            $70          $80        $60              $70
         30-34          $97            $114            $79          $93        $70              $81
         35-39         $117            $136            $95         $111        $83              $97
         40-44         $137            $161           $112         $132        $98             $115
         45-49         $173            $199           $141         $162       $123             $142
         50-54         $211            $246           $172         $200       $151             $175
         55-59         $246            $286           $200         $233       $175             $204
          60+          $280            $327           $228         $267       $199             $232
       Per Child                 $62                         $51                         $44
Premera Blue Cross Individual Plans
Effective 6/1/2009




                      Heritage Preferred Plus    Heritage Preferred Plus
                     Contract -014919 (10-2005) Contract -014921 (10-2005)
    Per Adult                   Plus 20                      Plus 30
     Age Band        Non-Smoker           Smoker   Non-Smoker          Smoker
        <25             $390               $454       $345              $401
       25-29            $464               $539       $409              $476
       30-34            $482               $562       $428              $494
       35-39            $539               $628       $476              $555
       40-44            $713               $828       $629              $732
       45-49            $828               $962       $732              $851
       50-54            $952              $1,106      $839              $978
       55-59           $1,153             $1,340     $1,018            $1,183
       60-64           $1,345             $1,564     $1,189            $1,383
        65+            $1,442             $1,678     $1,274            $1,480
     Per Child                $296                          $262


                        Heritage Protector Plus Contract - 014927 (10-2005)
    Per Adult             Deductible $500              Deductible $1,000
     Age Band         Non-Smoker          Smoker   Non-Smoker          Smoker
       <25               $122              $142       $102              $120
      25-29              $145              $171       $122              $142
      30-34              $152              $175       $127              $147
      35-39              $171              $198       $142              $166
      40-44              $225              $261       $188              $219
      45-49              $261              $302       $219              $255
      50-54              $299              $347       $250              $291
      55-59              $361              $421       $303              $352
      60-64              $423              $492       $353              $415
       65+               $454              $526       $380              $442
     Per Child                     $94                          $77


                                         Heritage Value Plus Contract - 014923 (10-2005)
    Per Adult             Deductible $2,500            Deductible $5,000             Deductible $10,000
     Age Band         Non-Smoker          Smoker   Non-Smoker          Smoker   Non-Smoker         Smoker
       <25               $188              $219       $158              $181        $103           $121
      25-29              $225              $261       $186              $216        $124           $144
      30-34              $232              $271       $192              $225        $128           $149
      35-39              $261              $303       $216              $251        $144           $168
      40-44              $345              $401       $288              $333        $190           $220
      45-49              $401              $466       $333              $386        $220           $257
      50-54              $461              $534       $382              $444        $255           $294
      55-59              $556              $647       $462              $537        $307           $357
      60-64              $649              $757       $539              $628        $358           $417
       65+               $697              $810       $578              $674        $384           $447
     Per Child                   $142                         $120                           $79




                                                                                                            17
18
     Regence BlueCross BlueShield of Oregon

     2009 Monthly Rates for Individual Market Plans
     Rate Effective Date 03/01/2009
     Page One


        Plan Name                Smoker/Non-Smoker            Age Band 0-24   Age Band 25-29   Age Band 30-34   Age Band 35-39   Age Band 40-44   Age Band 45-49   Age Band 50-54   Age Band 55-59   Age Band 60+
                                  Smoker Individual              $247             $262             $312             $342             $476             $566             $655             $791            $905
                               Smoker Married Couple             $494             $524             $624             $684             $952            $1,132           $1,310           $1,582          $1,810
                              Smoker     1 Adult &Children       $494             $509             $559             $589             $723             $813             $902            $1,038          $1,152
      Blue Selections                 Smoker Family              $741             $771             $871             $931            $1,199           $1,379           $1,557           $1,829          $2,057
        PPO $1,000
        Deductible              Non-Smoker Individual            $209             $221             $263             $289             $404             $481             $555             $670            $768
                             Non-Smoker Married Couple           $418             $442             $526             $578             $809             $962            $1,110           $1,340          $1,536
                           Non-Smoker One Adult &Children        $418             $430             $472             $498             $613             $690             $764             $879            $977
                                 Non-Smoker Family               $627             $651             $735             $787            $1,017           $1,171           $1,319           $1,549          $1,745
                                  Smoker Individual              $221             $223             $267             $291             $405             $482             $557             $670            $770
                               Smoker Married Couple             $422             $446             $534             $582             $810             $964            $1,114           $1,340          $1,540
                           Smoker       One Adult &Children      $422             $434             $478             $502             $616             $693             $768             $881            $981
      Blue Selections                 Smoker Family              $633             $657             $745             $793            $1,021           $1,175           $1,325           $1,551          $1,751
        PPO $2,500
        Deductible              Non-Smoker Individual            $177             $187             $224             $247             $343             $409             $472             $568            $653
                             Non-Smoker Married Couple           $354             $374             $448             $494             $686             $818             $944            $1,136          $1,306
                           Non-Smoker One Adult &Children        $354             $364             $401             $424             $520             $586             $649             $745            $830
                                 Non-Smoker Family               $531             $551             $625             $671             $863             $995            $1,121           $1,313          $1,483
                                  Smoker Individual              $174             $185             $221             $243             $337             $401             $464             $561            $644
                               Smoker Married Couple             $348             $370             $442             $486             $675             $802             $928            $1,122          $1,288
                           Smoker       One Adult &Children      $348             $359             $395             $417             $511             $575             $638             $735            $818
      Blue Selections                 Smoker Family              $522             $544             $616             $660             $848             $976            $1,102           $1,296          $1,462
        PPO $5,000
        Deductible              Non-Smoker Individual            $149             $158             $186             $205             $286             $339             $394             $476            $544
                             Non-Smoker Married Couple           $298             $316             $372             $410             $571             $678             $788             $952           $1,088
                           Non-Smoker One Adult &Children        $298             $307             $335             $354             $435             $488             $543             $625            $693
                                 Non-Smoker Family               $447             $465             $521             $559             $721             $827             $937            $1,101          $1,237
     Regence BlueCross BlueShield of Oregon

     2009 Monthly Rates for Individual Market Plans
     Rate Effective Date 03/01/2009
     Page Two

        Plan Name                Smoker/Non-Smoker            Age Band 0-24   Age Band 25-29   Age Band 30-34   Age Band 35-39   Age Band 40-44   Age Band 45-49   Age Band 50-54   Age Band 55-59   Age Band 60+
                                  Smoker Individual              $244             $259             $308             $338            $469             $558             $645             $778            $893
                               Smoker Married Couple             $488             $518             $616             $676            $938            $1,116           $1,290           $1,556          $1,786
                           Smoker       One Adult &Children      $488             $503             $552             $582            $713             $802             $889            $1,022          $1,137
     Breakthru $1,000                 Smoker Family              $732             $762             $860             $920           $1,182           $1,360           $1,534           $1,800          $2,030
        Deductible              Non-Smoker Individual            $206             $219             $260             $285            $397             $473             $547             $660            $757
                             Non-Smoker Married Couple           $412             $438             $520             $570            $795             $946            $1,094           $1,320          $1,514
                           Non-Smoker One Adult &Children        $412             $425             $466             $491            $603             $679             $753             $866            $963
                                 Non-Smoker Family               $618             $644             $726             $776           $1,000           $1,152           $1,300           $1,526          $1,720
                                  Smoker Individual              $250             $265             $317             $348            $484             $575             $666             $803            $920
                               Smoker Married Couple             $500             $530             $634             $696            $967            $1,150           $1,332           $1,606          $1,840
                           Smoker       One Adult &Children      $500             $515             $567             $598            $734             $825             $916            $1,053          $1,170
     Breakthru $1,500                 Smoker Family              $750             $780             $884             $946           $1,218           $1,400           $1,582           $1,856          $2,090
        Deductible              Non-Smoker Individual            $213             $226             $269             $295            $411             $489             $566             $682            $780
                             Non-Smoker Married Couple           $426             $452             $538             $590            $823             $978            $1,132           $1,364          $1,560
                           Non-Smoker One Adult &Children        $426             $439             $482             $508            $624             $702             $779             $895            $993
                                 Non-Smoker Family               $639             $665             $751             $803           $1,035           $1,191           $1,345           $1,577          $1,773
                                  Smoker Individual               $87              $92             $110             $120            $167             $197             $229             $276            $317
                               Smoker Married Couple             $174             $184             $220             $240            $334             $394             $458             $552            $634
                              Smoker     1 Adult &Children       $174             $179             $197             $207            $254             $284             $316             $363            $404
     Breakthru $2,500                 Smoker Family              $261             $271             $307             $327            $421             $481             $545             $639            $721
        Deductible              Non-Smoker Individual             $74              $78              $93             $103            $141             $168             $196             $236            $270
                             Non-Smoker Married Couple           $148             $156             $186             $206            $283             $336             $392             $472            $540
                           Non-Smoker One Adult &Children        $148             $152             $167             $177            $215             $242             $270             $310            $344
                                 Non-Smoker Family               $222             $230             $260             $280            $356             $410             $466             $546            $614
                                  Smoker Individual              $170             $179             $214             $235            $327             $389             $449             $541            $621
                               Smoker Married Couple             $340             $358             $428             $470            $655             $778             $898            $1,082          $1,242
                           Smoker       One Adult &Children      $340             $349             $384             $405            $497             $559             $619             $711            $791
     Breakthru $3,000                 Smoker Family              $510             $528             $598             $640            $824             $948            $1,068           $1,252          $1,412
        Deductible              Non-Smoker Individual            $143             $152             $180             $198            $276             $329             $381             $458            $525
                             Non-Smoker Married Couple           $286             $304             $360             $396            $553             $658             $762             $916           $1,050
                           Non-Smoker One Adult &Children        $286             $295             $323             $341            $419             $472             $524             $601            $668
                                 Non-Smoker Family               $429             $447             $503             $539            $695             $801             $905            $1,059          $1,193
                                  Smoker Individual               $67              $69              $84              $93            $127             $152             $175             $211            $242
                               Smoker Married Couple             $134             $138             $168             $186            $255             $304             $350             $422            $484
                           Smoker       One Adult &Children      $134             $136             $151             $160            $194             $219             $242             $278            $309
     Breakthru $5,000                 Smoker Family              $201             $205             $235             $253            $321             $371             $417             $489            $551
        Deductible              Non-Smoker Individual             $57              $59              $72              $78            $109             $127             $148             $179            $206
                             Non-Smoker Married Couple           $114             $118             $144             $156            $219             $254             $296             $358            $412
                           Non-Smoker One Adult &Children        $114             $116             $129             $135            $166             $184             $205             $236            $263
                                 Non-Smoker Family               $171             $175             $201             $213            $275             $311             $353             $415            $469




19
20
     Regence BlueCross BlueShield of Oregon

     2009 New HSA Individual Plan Monthly Rates
     Rate Effective Date 03/01/2009
     Page Three

         Plan Name                Smoker/Non-Smoker             Age Band 0-24   Age Band 25-29   Age Band 30-34   Age Band 35-39   Age Band 40-44   Age Band 45-49   Age Band 50-54   Age Band 55-59   Age Band 60+
                                      Smoker Individual            $209             $220             $264             $290             $403             $478             $554             $667            $765
                                 Smoker Married Couple             $418             $440             $528             $580             $805             $956            $1,108           $1,334          $1,530
            HSA                Smoker      1 Adult &Children       $418             $429             $473             $499             $612             $687             $763             $876            $974
      Comprehensive                     Smoker Family              $627             $649             $737             $789            $1,015           $1,165           $1,317           $1,543          $1,739
        Plan $1,500
     Deductible ($3,000          Non-Smoker Individual             $177             $186             $225             $246             $341             $405             $469             $566            $649
        for Family)            Non-Smoker Married Couple           $354             $372             $450             $492             $683             $810             $938            $1,132          $1,298
                            Non-Smoker One Adult &Children         $354             $363             $402             $423             $518             $582             $646             $743            $826
                                      Non-Smoker Family            $531             $549             $627             $669             $859             $987            $1,115           $1,309          $1,475
                                      Smoker Individual            $162             $172             $206             $226             $314             $373             $431             $520            $596
                                 Smoker Married Couple             $324             $344             $412             $452             $628             $746             $862            $1,040          $1,192
                             Smoker       One Adult &Children      $324             $334             $368             $388             $476             $535             $593             $682            $758
       HSA HealthPlan                   Smoker Family              $486             $506             $574             $614             $790             $980            $1,024           $1,202          $1,354
      $2,500 Deductible
     ($5,000 for Family)         Non-Smoker Individual             $137             $145             $175             $192             $266             $316             $365             $441            $506
                               Non-Smoker Married Couple           $274             $290             $350             $384             $532             $632             $730             $882           $1,012
                            Non-Smoker One Adult &Children         $274             $282             $312             $329             $403             $453             $502             $578            $643
                                      Non-Smoker Family            $411             $427             $487             $521             $669             $769             $867            $1,019          $1,149
                                      Smoker Individual            $149             $157             $188             $207             $287             $341             $395             $476            $547
                                 Smoker Married Couple             $298             $314             $376             $414             $574             $682             $790             $952           $1,094
                             Smoker       One Adult &Children      $298             $306             $337             $356             $436             $490             $544             $625            $696
       HSA Health Plan                  Smoker Family              $447             $463             $525             $563             $723             $831             $939            $1,101          $1,243
      $3,500 Deductible
     ($7,000 for Family)         Non-Smoker Individual             $127             $132             $159             $175             $243             $288             $333             $401            $460
                               Non-Smoker Married Couple           $254             $264             $318             $350             $486             $576             $666             $802            $920
                            Non-Smoker One Adult &Children         $254             $259             $286             $302             $370             $415             $460             $528            $587
                                      Non-Smoker Family            $381             $391             $445             $477             $613             $703             $793             $929           $1,047
     Regence BlueShield of Idaho
     2009 Monthly Rates for Individual Market Plans
     Rate Effective Date 1/1/2009

                          Smoker/                       Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band Age Band 55- Age Band 60- 65+ Medicare   65+ Medicare
        Plan Name        Nonsmoker    Child/ Children     0-24       25-29      30-34      35-39      40-44      45-49      50-54      59           64        Secondary       Primary

                                       $495/Child
                         Nonsmoking                       $507       $589       $686       $815       $949      $1,084     $1,278     $1,455       $1,842       $1,842         $562
                                      $762/Children
      Protection Plus
      $750 Deductible
                                       $555/Child
                          Standard                        $573       $664       $775       $914      $1,068     $1,220     $1,439     $1,638       $2,069       $2,069         $636
                                      $857/Children

      Protection Plus                  $202/Child
                            N/A                           $209       $241       $281       $333       $388       $442       $522       $596        $750          $750          $232
     $5,000 Deductible                $310/Children




21
22
     Regence BlueShield
     2010 Monthly Rates for Individual Plans
     Rate Effective Date 1/1/2010
     Page One

              Plan Name                                              Second + Age Band 0- Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band
                                     Smoker/Non-Smoker First Child     Child      24        25-29      30-34      35-39      40-44      45-49      50-54      55-59      60+

     Individual Breakthru 70 Plan,      Non-Smoker         $162        $145      $175      $202        $235       $277       $327       $397       $471       $554       $653
           $1,000 Deductible
                                          Smoker           $162        $145      $203      $231        $270       $318       $381       $458       $542       $638       $759

     Individual Breakthru 70 Plan,      Non-Smoker         $108        $95       $113      $131        $153       $180       $215       $262       $305       $362       $422
           $3,000 Deductible
                                          Smoker           $108        $95       $132      $150        $178       $208       $249       $300       $355       $417       $495

     Individual Breakthru 50 Plan,      Non-Smoker         $56         $53       $63        $70        $83        $98        $116       $140       $168       $197       $232
           $2,500 Deductible
                                          Smoker           $56         $53       $72        $82        $94        $111       $133       $161       $193       $227       $269

     Individual Breakthru 50 Plan,      Non-Smoker         $43         $39       $47        $53        $62        $71        $86        $106       $124       $147       $174
           $5,000 Deductible
                                          Smoker           $43         $39       $55        $62        $71        $84        $99        $122       $145       $170       $203
     Regence BlueShield
     2010 Monthly Rates for Individual Plans
     HSA Plans Effective Date 1/1/2010
     Page Two

             Plan Name                                            Second + Age Band 0- Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band
                                  Smoker/Non-Smoker First Child     Child      24        25-29      30-34      35-39      40-44      45-49      50-54      55-59      60+

     Regence HSA Comprehensive       Non-Smoker          NA         NA        $145      $145        $179       $211       $270       $310       $356       $426       $499
      Plan $1500 Deductible for
              Individual
                                       Smoker            NA         NA        $160      $160        $202       $256       $310       $356       $409       $493       $592


     Regence HSA Comprehensive       Non-Smoker         $109        $108      $113      $113        $139       $165       $215       $246       $287       $339       $393
      Plan $3000 Deductible for
               Family

                                       Smoker           $109        $108      $126      $126        $160       $202       $246       $287       $327       $390       $471

     Regence HSA Comprehensive       Non-Smoker          NA         NA        $102      $102        $124       $147       $189       $217       $250       $300       $351
      Plan $2500 Deductible for
              Individual
                                       Smoker            NA         NA        $111      $111        $140       $180       $217       $250       $287       $346       $416


     Regence HSA Comprehensive       Non-Smoker         $77         $76       $79        $79        $98        $116       $148       $173       $202       $238       $277
      Plan $5000 Deductible for
               Family

                                       Smoker           $77         $76       $90        $90        $111       $140       $173       $202       $230       $275       $331

     Regence HSA Comprehensive       Non-Smoker          NA         NA        $92        $92        $113       $134       $172       $197       $228       $272       $319
      Plan $3500 Deductible for
              Individual
                                       Smoker            NA         NA        $102      $102        $129       $162       $197       $228       $262       $315       $379


     Regence HSA Comprehensive       Non-Smoker         $70         $69       $72        $72        $90        $106       $137       $155       $185       $217       $251
      Plan $7000 Deductible for
               Family

                                       Smoker           $70         $69       $82        $82        $102       $129       $155       $185       $209       $250       $301




23
24
     Regence BlueShield
     Monthly Rates for Individual Plans
     Rate Effective Date 1/1/2010
     Page Three

             Plan Name                                             Second + Age Band 0- Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band   Age Band
                                   Smoker/Non-Smoker First Child     Child      24        25-29      30-34      35-39      40-44      45-49      50-54      55-59      60+

      Individual NowSelect Plan,      Non-Smoker         $74         $69       $83        $92        $109       $129       $152       $185       $220       $258       $304
           $2,500 Deductible
                                        Smoker           $74         $69       $95       $107        $123       $146       $176       $212       $252       $297       $352

      Individual NowSelect Plan,      Non-Smoker         $61         $57       $69        $76        $90        $107       $126       $153       $183       $215       $253
           $5,000 Deductible
                                        Smoker           $61         $57       $79        $89        $102       $121       $145       $177       $210       $247       $293

      Individual NowSelect Plan,      Non-Smoker         $55         $52       $62        $69        $82        $97        $114       $138       $165       $194       $229
           $7,500 Deductible
                                        Smoker           $55         $52       $71        $81        $92        $109       $131       $159       $190       $223       $265

      Individual NowSelect Plan,      Non-Smoker         $51         $48       $57        $64        $75        $89        $105       $127       $151       $179       $211
          $10,000 Deductible
                                        Smoker           $51         $48       $66        $74        $85        $101       $121       $146       $175       $205       $243
     TIME INSURANCE COMPANY
     CATASTROPHIC PLAN
     LIFETIME MAXIMUM: $3 MILLION
     NON-TOBACCO RATES
     EFFECTIVE JANUARY 2010
     Deductible              $2,000    $2,000    $2,000    $2,000    $2,000    $3,000   $3,000   $3,000    $3,000   $5,000    $5,000    $5,000    $5,000   $10,000   $10,000   $10,000   $10,000
     Coin                      25%       25%       50%       50%       50%       25%      25%      50%       50%      25%       25%       50%       50%       25%       25%       50%       50%
     Out of Pocket w/Ded     $4,500    $7,000    $7,000   $12,000   $22,000    $5,500   $8,000   $8,000   $13,000   $7,500   $10,000   $10,000   $15,000   $12,500   $15,000   $15,000   $20,000
     Area        Age
     Rural       Under 25   $123.92   $112.04    $98.82    $86.50    $78.88   $102.11   $92.32   $81.43    $71.27   $86.62    $78.31    $69.07    $60.46    $66.17    $59.83    $52.77    $46.19
                 25-29       139.41    126.05    111.17     97.31     88.74    114.88   103.87    91.61     80.18    97.45     88.11     77.71     68.02     74.44     67.31     59.36     51.96
                 30-34       161.09    145.66    128.47    112.45    102.54    132.74   120.02   105.86     92.65   112.60    101.81     89.80     78.60     86.02     77.78     68.60     60.04
                 35-39       192.07    173.67    153.17    134.07    122.26    158.27   143.10   126.21    110.47   134.26    121.39    107.07     93.71    102.57     92.74     81.79     71.59
                 40-44       229.25    207.28    182.82    160.02    145.92    188.90   170.80   150.64    131.85   160.24    144.88    127.79    111.85    122.42    110.68     97.62     85.45
                 45-49       285.01    257.70    227.29    198.94    181.42    234.85   212.34   187.28    163.93   199.22    180.13    158.88    139.06    152.19    137.61    121.37    106.23
                 50-54       346.97    313.72    276.70    242.19    220.86    285.90   258.50   228.00    199.56   242.53    219.28    193.41    169.29    185.28    167.52    147.76    129.33
                 55-59       408.93    369.74    326.11    285.44    260.30    336.96   304.67   268.71    235.20   285.84    258.45    227.95    199.52    218.36    197.44    174.14    152.42
                 60-64       464.69    420.15    370.58    324.36    295.79    382.91   346.21   305.35    267.27   324.82    293.69    259.04    226.73    248.15    224.37    197.89    173.21
                 Child        86.74     78.43     69.17     60.55     55.21     71.48    64.63    57.00     49.89    60.63     54.82     48.35     42.32     46.32     41.88     36.94     32.33

     Urban       Under 25   $129.94   $117.48   $103.62    $90.70    $82.71   $107.07   $96.80   $85.38    $74.73   $90.82    $82.12    $72.43    $63.40    $69.39    $62.74    $55.33    $48.43
                 25-29       146.18    132.17    116.57    102.04     93.05    120.46   108.91    96.06     84.08   102.18     92.39     81.49     71.32     78.06     70.58     62.25     54.48
                 30-34       168.92    152.73    134.71    117.91    107.52    139.19   125.85   111.00     97.16   118.07    106.76     94.16     82.42     90.20     81.56     71.93     62.96
                 35-39       201.41    182.10    160.61    140.58    128.20    165.95   150.05   132.34    115.84   140.78    127.29    112.27     98.27    107.55     97.24     85.77     75.07
                 40-44       240.39    217.35    191.70    167.79    153.01    198.08   179.09   157.96    138.26   168.03    151.92    134.00    117.29    128.36    116.06    102.37     89.60
                 45-49       298.86    270.22    238.33    208.61    190.23    246.26   222.65   196.38    171.89   208.90    188.88    166.59    145.82    159.59    144.29    127.27    111.39
                 50-54       363.83    328.96    290.14    253.96    231.59    299.79   271.06   239.08    209.26   254.31    229.94    202.81    177.51    194.28    175.66    154.94    135.61
                 55-59       428.80    387.70    341.95    299.30    272.94    353.33   319.47   281.77    246.63   299.73    271.00    239.02    209.21    228.97    207.03    182.60    159.83
                 60-64       487.27    440.57    388.58    340.12    310.16    401.51   363.03   320.19    280.26   340.60    307.96    271.62    237.75    260.20    235.27    207.50    181.63
                 Child        90.95     82.24     72.53     63.49     57.90     74.95    67.77    59.77     52.32    63.58     57.48     50.70     44.38     48.57     43.92     38.73     33.90
     TIM.POL.CORE.WA.FHCN


     TIME INSURANCE COMPANY
     CATASTROPHIC PLAN
     LIFETIME MAXIMUM: $6 MILLION
     NON-TOBACCO RATES
     EFFECTIVE JANUARY 2010
     Deductible              $2,000    $2,000    $2,000    $2,000    $2,000    $3,000   $3,000   $3,000    $3,000   $5,000    $5,000    $5,000    $5,000   $10,000   $10,000   $10,000   $10,000
     Coin                      25%       25%       50%       50%       50%       25%      25%      50%       50%      25%       25%       50%       50%       25%       25%       50%       50%
     Out of Pocket w/Ded     $4,500    $7,000    $7,000   $12,000   $22,000    $5,500   $8,000   $8,000   $13,000   $7,500   $10,000   $10,000   $15,000   $12,500   $15,000   $15,000   $20,000
     Area        Age
     Rural       Under 25   $126.92   $115.04   $101.82    $89.50    $81.88   $105.11   $95.32   $84.43    $74.27   $89.62    $81.31    $72.07    $63.46    $69.17    $62.83    $55.77    $49.19
                 25-29       142.41    129.05    114.17    100.31     91.74    117.88   106.87    94.61     83.18   100.45     91.11     80.71     71.02     77.44     70.31     62.36     54.96
                 30-34       164.09    148.66    131.47    115.45    105.54    135.74   123.02   108.86     95.65   115.60    104.81     92.80     81.60     89.02     80.78     71.60     63.04
                 35-39       195.07    176.67    156.17    137.07    125.26    161.27   146.10   129.21    113.47   137.26    124.39    110.07     96.71    105.57     95.74     84.79     74.59
                 40-44       232.25    210.28    185.82    163.02    148.92    191.90   173.80   153.64    134.85   163.24    147.88    130.79    114.85    125.42    113.68    100.62     88.45
                 45-49       288.01    260.70    230.29    201.94    184.42    237.85   215.34   190.28    166.93   202.22    183.13    161.88    142.06    155.19    140.61    124.37    109.23
                 50-54       351.97    318.72    281.70    247.19    225.86    290.90   263.50   233.00    204.56   247.53    224.28    198.41    174.29    190.28    172.52    152.76    134.33
                 55-59       413.93    374.74    331.11    290.44    265.30    341.96   309.67   273.71    240.20   290.84    263.45    232.95    204.52    223.36    202.44    179.14    157.42
                 60-64       469.69    425.15    375.58    329.36    300.79    387.91   351.21   310.35    272.27   329.82    298.69    264.04    231.73    253.15    229.37    202.89    178.21
                 Child        89.74     81.43     72.17     63.55     58.21     74.48    67.63    60.00     52.89    63.63     57.82     51.35     45.32     49.32     44.88     39.94     35.33

     Urban       Under 25   $132.94   $120.48   $106.62    $93.70    $85.71   $110.07   $99.80   $88.38    $77.73   $93.82    $85.12    $75.43    $66.40    $72.39    $65.74    $58.33    $51.43
                 25-29       149.18    135.17    119.57    105.04     96.05    123.46   111.91    99.06     87.08   105.18     95.39     84.49     74.32     81.06     73.58     65.25     57.48
                 30-34       171.92    155.73    137.71    120.91    110.52    142.19   128.85   114.00    100.16   121.07    109.76     97.16     85.42     93.20     84.56     74.93     65.96
                 35-39       204.41    185.10    163.61    143.58    131.20    168.95   153.05   135.34    118.84   143.78    130.29    115.27    101.27    110.55    100.24     88.77     78.07
                 40-44       243.39    220.35    194.70    170.79    156.01    201.08   182.09   160.96    141.26   171.03    154.92    137.00    120.29    131.36    119.06    105.37     92.60
                 45-49       301.86    273.22    241.33    211.61    193.23    249.26   225.65   199.38    174.89   211.90    191.88    169.59    148.82    162.59    147.29    130.27    114.39
                 50-54       368.83    333.96    295.14    258.96    236.59    304.79   276.06   244.08    214.26   259.31    234.94    207.81    182.51    199.28    180.66    159.94    140.61
                 55-59       433.80    392.70    346.95    304.30    277.94    358.33   324.47   286.77    251.63   304.73    276.00    244.02    214.21    233.97    212.03    187.60    164.83
                 60-64       492.27    445.57    393.58    345.12    315.16    406.51   368.03   325.19    285.26   345.60    312.96    276.62    242.75    265.20    240.27    212.50    186.63
                 Child        93.95     85.24     75.53     66.49     60.90     77.95    70.77    62.77     55.32    66.58     60.48     53.70     47.38     51.57     46.92     41.73     36.90
     TIM.POL.CORE.WA.FHCN




25
26
     TIME INSURANCE COMPANY
     CATASTROPHIC PLAN
     LIFETIME MAXIMUM: $3 MILLION
     TOBACCO RATES
     EFFECTIVE JANUARY 2010
     Deductible              $2,000    $2,000    $2,000    $2,000    $2,000    $3,000   $3,000     $3,000    $3,000    $5,000    $5,000    $5,000    $5,000   $10,000   $10,000   $10,000   $10,000
     Coin                      25%       25%       50%       50%       50%       25%      25%        50%       50%       25%       25%       50%       50%       25%       25%       50%       50%
     Out of Pocket w/Ded     $4,500    $7,000    $7,000   $12,000   $22,000    $5,500   $8,000     $8,000   $13,000    $7,500   $10,000   $10,000   $15,000   $12,500   $15,000   $15,000   $20,000
     Area        Age
     Rural       Under 25   $148.70   $134.45   $118.58   $103.80    $94.65   $122.53   $110.78    $97.71    $85.52   $103.94    $93.98    $82.89    $72.55    $79.41    $71.80    $63.32    $55.43
                 25-29       167.29    151.26    133.41    116.77    106.48    137.85    124.64    109.93     96.22    116.94    105.73     93.25     81.62     89.33     80.77     71.24     62.35
                 30-34       193.31    174.79    154.16    134.93    123.05    159.29    144.02    127.03    111.19    135.12    122.17    107.76     94.32    103.23     93.33     82.32     72.05
                 35-39       230.49    208.40    183.81    160.88    146.71    189.92    171.72    151.45    132.57    161.11    145.67    128.48    112.46    123.08    111.28     98.15     85.91
                 40-44       275.10    248.74    219.38    192.02    175.11    226.68    204.96    180.77    158.23    192.29    173.86    153.35    134.22    146.90    132.82    117.15    102.54
                 45-49       342.01    309.24    272.75    238.73    217.70    281.82    254.81    224.74    196.71    239.07    216.16    190.65    166.87    182.63    165.13    145.64    127.48
                 50-54       416.37    376.46    332.04    290.63    265.03    343.08    310.20    273.60    239.48    291.03    263.14    232.09    203.15    222.34    201.03    177.31    155.20
                 55-59       490.72    443.69    391.33    342.52    312.35    404.35    365.60    322.46    282.24    343.01    310.13    273.54    239.42    262.04    236.92    208.97    182.90
                 60-64       557.63    504.19    444.69    389.23    354.95    459.49    415.45    366.43    320.73    389.79    352.43    310.84    272.08    297.78    269.24    237.47    207.85
                 Child        86.74     78.43     69.17     60.55     55.21     71.48     64.63     57.00     49.89     60.63     54.82     48.35     42.32     46.32     41.88     36.94     32.33

     Urban       Under 25   $155.93   $140.98   $124.35   $108.84    $99.25   $128.48   $116.17   $102.46    $89.68   $108.99    $98.54    $86.91    $76.08    $83.26    $75.28    $66.40    $58.12
                 25-29       175.42    158.60    139.89    122.44    111.66    144.55    130.69    115.27    100.90    122.62    110.87     97.78     85.59     93.67     84.69     74.70     65.38
                 30-34       202.71    183.28    161.65    141.49    129.03    167.03    151.02    133.20    116.59    141.69    128.11    112.99     98.90    108.24     97.87     86.32     75.55
                 35-39       241.69    218.52    192.74    168.70    153.84    199.15    180.06    158.81    139.01    168.94    152.74    134.72    117.92    129.06    116.69    102.92     90.08
                 40-44       288.47    260.82    230.04    201.35    183.62    237.69    214.91    189.55    165.91    201.63    182.31    160.80    140.74    154.04    139.27    122.84    107.52
                 45-49       358.63    324.26    286.00    250.33    228.28    295.51    267.19    235.66    206.27    250.68    226.66    199.91    174.98    191.50    173.15    152.72    133.67
                 50-54       436.59    394.75    348.17    304.75    277.90    359.75    325.27    286.89    251.11    305.17    275.93    243.37    213.01    233.14    210.80    185.92    162.73
                 55-59       514.56    465.24    410.34    359.17    327.53    424.00    383.36    338.12    295.95    359.67    325.20    286.83    251.06    274.77    248.43    219.12    191.79
                 60-64       584.72    528.68    466.30    408.14    372.19    481.81    435.63    384.23    336.31    408.72    369.55    325.94    285.29    312.24    282.32    249.01    217.95
                 Child        90.95     82.24     72.53     63.49     57.90     74.95     67.77     59.77     52.32     63.58     57.48     50.70     44.38     48.57     43.92     38.73     33.90
     TIM.POL.CORE.WA.FHCN


     TIME INSURANCE COMPANY
     CATASTROPHIC PLAN
     LIFETIME MAXIMUM: $6 MILLION
     TOBACCO RATES
     EFFECTIVE JANUARY 2010
     Deductible              $2,000    $2,000    $2,000    $2,000    $2,000    $3,000   $3,000     $3,000    $3,000    $5,000    $5,000    $5,000    $5,000   $10,000   $10,000   $10,000   $10,000
     Coin                      25%       25%       50%       50%       50%       25%      25%        50%       50%       25%       25%       50%       50%       25%       25%       50%       50%
     Out of Pocket w/Ded     $4,500    $7,000    $7,000   $12,000   $22,000    $5,500   $8,000     $8,000   $13,000    $7,500   $10,000   $10,000   $15,000   $12,500   $15,000   $15,000   $20,000
     Area        Age
     Rural       Under 25   $151.70   $137.45   $121.58   $106.80    $97.65   $125.53   $113.78   $100.71    $88.52   $106.94    $96.98    $85.89    $75.55    $82.41    $74.80    $66.32    $58.43
                 25-29       170.29    154.26    136.41    119.77    109.48    140.85    127.64    112.93     99.22    119.94    108.73     96.25     84.62     92.33     83.77     74.24     65.35
                 30-34       196.31    177.79    157.16    137.93    126.05    162.29    147.02    130.03    114.19    138.12    125.17    110.76     97.32    106.23     96.33     85.32     75.05
                 35-39       233.49    211.40    186.81    163.88    149.71    192.92    174.72    154.45    135.57    164.11    148.67    131.48    115.46    126.08    114.28    101.15     88.91
                 40-44       278.10    251.74    222.38    195.02    178.11    229.68    207.96    183.77    161.23    195.29    176.86    156.35    137.22    149.90    135.82    120.15    105.54
                 45-49       345.01    312.24    275.75    241.73    220.70    284.82    257.81    227.74    199.71    242.07    219.16    193.65    169.87    185.63    168.13    148.64    130.48
                 50-54       421.37    381.46    337.04    295.63    270.03    348.08    315.20    278.60    244.48    296.03    268.14    237.09    208.15    227.34    206.03    182.31    160.20
                 55-59       495.72    448.69    396.33    347.52    317.35    409.35    370.60    327.46    287.24    348.01    315.13    278.54    244.42    267.04    241.92    213.97    187.90
                 60-64       562.63    509.19    449.69    394.23    359.95    464.49    420.45    371.43    325.73    394.79    357.43    315.84    277.08    302.78    274.24    242.47    212.85
                 Child        89.74     81.43     72.17     63.55     58.21     74.48     67.63     60.00     52.89     63.63     57.82     51.35     45.32     49.32     44.88     39.94     35.33

     Urban       Under 25   $158.93   $143.98   $127.35   $111.84   $102.25   $131.48   $119.17   $105.46    $92.68   $111.99   $101.54    $89.91    $79.08    $86.26    $78.28    $69.40    $61.12
                 25-29       178.42    161.60    142.89    125.44    114.66    147.55    133.69    118.27    103.90    125.62    113.87    100.78     88.59     96.67     87.69     77.70     68.38
                 30-34       205.71    186.28    164.65    144.49    132.03    170.03    154.02    136.20    119.59    144.69    131.11    115.99    101.90    111.24    100.87     89.32     78.55
                 35-39       244.69    221.52    195.74    171.70    156.84    202.15    183.06    161.81    142.01    171.94    155.74    137.72    120.92    132.06    119.69    105.92     93.08
                 40-44       291.47    263.82    233.04    204.35    186.62    240.69    217.91    192.55    168.91    204.63    185.31    163.80    143.74    157.04    142.27    125.84    110.52
                 45-49       361.63    327.26    289.00    253.33    231.28    298.51    270.19    238.66    209.27    253.68    229.66    202.91    177.98    194.50    176.15    155.72    136.67
                 50-54       441.59    399.75    353.17    309.75    282.90    364.75    330.27    291.89    256.11    310.17    280.93    248.37    218.01    238.14    215.80    190.92    167.73
                 55-59       519.56    470.24    415.34    364.17    332.53    429.00    388.36    343.12    300.95    364.67    330.20    291.83    256.06    279.77    253.43    224.12    196.79
                 60-64       589.72    533.68    471.30    413.14    377.19    486.81    440.63    389.23    341.31    413.72    374.55    330.94    290.29    317.24    287.32    254.01    222.95
                 Child        93.95     85.24     75.53     66.49     60.90     77.95     70.77     62.77     55.32     66.58     60.48     53.70     47.38     51.57     46.92     41.73     36.90
     TIM.POL.CORE.WA.FHCN
     TIME INSURANCE COMPANY
     HSA PLAN
     EFFECTIVE JANUARY 2010
                                                                INDIVIDUAL                                                         FAMILY
     Deductible                     $2,700             $2,700                  $2,700       $2,700         $5,400         $5,400              $5,400       $5,400
     Coin                            20%                20%                     20%          20%            20%            20%                 20%          20%
     Out of Pocket w/Ded            $4,700             $4,700                  $4,700       $4,700         $9,400         $9,400              $9,400       $9,400
     Lifetime Maximum             $3 Million         $6 Million              $3 Million   $6 Million     $3 Million     $6 Million          $3 Million   $6 Million
     Type:                      NON-TOBACCO        NON-TOBACCO               TOBACCO      TOBACCO      NON-TOBACCO    NON-TOBACCO           TOBACCO      TOBACCO
     Area        Age
     Rural       Under 25           $114.43           $117.43                 $137.32      $140.32        $100.72        $103.72             $120.86      $123.86
                 25-29              $128.74           $131.74                 $154.48      $157.48        $113.31        $116.31             $135.97      $138.97
                 30-34              $148.76           $151.76                 $178.52      $181.52        $130.94        $133.94             $157.12      $160.12
                 35-39              $177.37           $180.37                 $212.84      $215.84        $156.12        $159.12             $187.34      $190.34
                 40-44              $211.70           $214.70                 $254.04      $257.04        $186.33        $189.33             $223.60      $226.60
                 45-49              $263.20           $266.20                 $315.84      $318.84        $231.65        $234.65             $277.98      $280.98
                 50-54              $320.41           $325.41                 $384.49      $389.49        $282.02        $287.02             $338.42      $343.42
                 55-59              $377.63           $382.63                 $453.16      $458.16        $332.38        $337.38             $398.85      $403.85
                 60-64              $429.13           $434.13                 $514.95      $519.95        $377.70        $382.70             $453.24      $458.24
                 Child               $80.10            $83.10                  $80.10       $83.10         $70.50         $73.50              $70.50       $73.50

     Urban       Under 25           $119.99           $122.99                 $143.99      $146.99        $105.61        $108.61             $126.73      $129.73
                 25-29              $134.99           $137.99                 $161.99      $164.99        $118.82        $121.82             $142.58      $145.58
                 30-34              $155.99           $158.99                 $187.19      $190.19        $137.30        $140.30             $164.76      $167.76
                 35-39              $185.99           $188.99                 $223.19      $226.19        $163.70        $166.70             $196.45      $199.45
                 40-44              $221.99           $224.99                 $266.38      $269.38        $195.38        $198.38             $234.46      $237.46
                 45-49              $275.98           $278.98                 $331.18      $334.18        $242.91        $245.91             $291.49      $294.49
                 50-54              $335.98           $340.98                 $403.17      $408.17        $295.72        $300.72             $354.87      $359.87
                 55-59              $395.98           $400.98                 $475.17      $480.17        $348.53        $353.53             $418.23      $423.23
                 60-64              $449.98           $454.98                 $539.97      $544.97        $396.05        $401.05             $475.26      $480.26
                 Child               $83.99            $86.99                  $83.99       $86.99         $73.93         $76.93              $73.93       $76.93
     TIM.POL.ONE.WA.FHCN


                            TIME INSURANCE COMPANY
                            COMPREHENSIVE PLAN
                            LIFETIME MAXIMUM: $2 MILLION
                            EFFECTIVE JANUARY 2010
                            Deductible                             $1,500                   $1,500
                            Coin                                    25%                      25%
                            Out of Pocket w/Ded                    $9,000                   $9,000
                            Type:                               NON-TOBACCO               TOBACCO
                            Area        Age
                            Rural       Under 25                   $198.15                 $237.78
                                        25-29                      $222.92                 $267.50
                                        30-34                      $257.60                 $309.12
                                        35-39                      $307.13                 $368.56
                                        40-44                      $366.58                 $439.90
                                        45-49                      $455.75                 $546.90
                                        50-54                      $554.82                 $665.79
                                        55-59                      $653.90                 $784.68
                                        60-64                      $743.07                 $891.69
                                        Child                      $138.70                 $138.70

                            Urban       Under 25                   $207.78                 $249.33
                                        25-29                      $233.75                 $280.50
                                        30-34                      $270.11                 $324.13
                                        35-39                      $322.06                 $386.47
                                        40-44                      $384.39                 $461.27
                                        45-49                      $477.89                 $573.47
                                        50-54                      $581.78                 $698.13
                                        55-59                      $685.67                 $822.80
                                        60-64                      $779.17                 $935.01
                                        Child                      $145.44                 $145.44
                            TIM.POL.MAX.WA.FHCN




27
          Need more help? Call our Insurance Consumer Hotline!

                               1-800-562-6900
Our professional consumer advocates provide assistance, enforce insurance law, and can
investigate complaints against insurance companies and agents on your behalf.
We also offer individual counseling and group education on health care issues in your
community. Our highly trained Statewide Health Insurance Benefits Advisors (SHIBA)
HelpLine volunteers can help you understand your rights and options regarding health care
coverage, prescription drugs, government programs, long-term care options and more.




                                                            2004-OIC-Consumer Guide, Individual Healthcare-EN-rev. 12/09