As Washington’s source for employee benefits, Business Health Trust (BHT) helps Washington’s business community thrive by providing the high-quality, affordable employee benefits growing companies need to be competitive.
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PLAN SUMMARIES |
This page contains the Summary of Benefits and Coverage (SBC), Summary Plan Description (SPD), and booklets for all plans offered by the various Industry Trusts through Business Health Trust. If you have any questions, please contact BHT Sales:Nathan Edmondson at 206-602-3558 or Nathan.Edmondson@advprofessionals.com Tara Reynolds at 253-541-6538 or Tara.Reynolds@advprofessionals.com Raven Mencias at 206-410-7107 or Raven.Mencias@advprofessionals.com |
- These documents are provided to assist employers in fulfilling their obligations to provide employees with SBC's within the time frame and circumstances required by the Affordable Care Act.
- The SBC is a standardized description of the benefits and coverage available under the group health plan. SBC's and Glossary of Health Coverage and Medical Terms must be provided to all participants and beneficiaries on or after September 23, 2013.
> Click Here for 2025 Documents
2026 Plan Documents
Applicable to both Premera and Kaiser
Industry Health Trusts
| Aerospace | Agriculture | Business Services |
| Community Service Org | Construction | Healthcare |
| Information Technology | Manufacturing | Media |
| Retail | Tourism | Transportation |
| Wholesaling |
Premera Medical Plans (IHT) (Side-by-Side Comparison: View)
2026 Plan Year: January 1, 2026 - December 31, 2026
8 Industry Health Trusts: Agriculture, Business Services, Community Service Org., Construction, End-Line Manufacturing, Information Technology, Retail, and Wholesaling
2025-2026 Plan Year: July 1, 2025 - June 30, 2026
5 Industry Health Trusts: Aerospace, Healthcare, Media, Tourism and Transportation
Premera Highlights ZIPs 📁 -
Heritage - Heritage Prime - HMO
| Agriculture | Endline |
| Community Service Org | Construction |
| Information Technology | Business Services |
| Retail | Wholesale |
Premera SBCs ZIPs 📁 -
Heritage - Prime + HMOs
Effective Dates - July 1, 2025 - June 30, 2026
2025 Premera July Highlights ZIPs 📁 -
Heritage - Heritage Prime - HMO
2025 Premera July SBCs ZIP 📁
2025 IHT's Booklets:
| Aerospace | Transportation |
| Healthcare | Tourism |
| Media |
Kaiser Medical Plans (IHT) (Side-by-Side Comparison: View)
2026 Plan Year: January 1, 2026 - December 31, 2026
5 Industry Health Trusts: Aerospace, Healthcare, Media, Tourism, Transportation
2025-2026 Plan Year: July 1, 2025 - June 30, 2026
6 Industry Health Trusts: Agriculture, Business Services, Community Service, Information Technology, Retail, and Wholesaling
📂 Kaiser IHT January SBCs – Download the zip files. Inside the zip, you'll find the following documents:
📂 Kaiser AHP July Booklets, SOBs, SBCs – Download the zip files. Inside the zip, you'll find the following documents:
Contents of SBCs
- HMO 200.pdf
- HMO 500.pdf
- HMO 750.pdf
- HMO 1000.pdf
- HMO 2000.pdf
- HMO 3000.pdf
- HMO 5000.pdf
- HMO HSA 2500.pdf
- HMO HSA 4500.pdf
- PPO 200.pdf
- PPO 500.pdf
- PPO 750.pdf
- PPO 1000.pdf
- PPO 2000.pdf
- PPO 3000.pdf
- PPO 5000.pdf
- PPO HSA 2500.pdf
- PPO HSA 4500.pdf
- VP 1000.pdf
- VP 3000.pdf
- VP 5000.pdf
- VP 500.pdf
- Summit PPO 1500.pdf
- Summit PPO 3000.pdf
- Summit PPO HSA 3500.pdf
Kaiser SG Medical Plans (Community Rated) (Side-by-Side Comparison: View)
📂 Kaiser SG January SBCs, Summaries, & Booklets – Download the zip files. Inside the zip, you'll find the following documents:
(For Spanish click here)
- Bronze Access PPO 8000 LX
- Bronze Access PPO HSA 6000
- Bronze Core HSA 6000
- Bronze Summit PPO HSA 6500
- Gold Access PPO 1500 LX
- Gold Access PPO 2000 LX
- Gold Access PPO 600 LX
- Gold Core 1500 LX
- Cold Core 2000 LX
- Gold Core 600 LX
- Gold Core 600 LX-EO
- Gold Summit PPO 1500 LX
- Platinum Access PPO 250 LX
- Platinum Access PPO 500 LX
- Platinum Core 250 LX
- Platinum Summit PPO 300 LX
- Plus Gold 600 LX
- Plus Platinum 250
- Plus Silver 2500
- Silver Access PPO 2500 LX
- Silver Access PPO 3500 LX
- Silver Access PPO 3500 LX-EO
- Silver Access PPO 5000
- Silver Access PPO HSA 4000
- Silver Core 1800
- Silver Core 2500 LX
- Silver Core 5000
- Silver Core HSA 3500
- Silver Core HSA 4500
- Silver Summit PPO 3500 LX
(For Spanish click here)
Non-Medical Plans
2026 Plan Year: January 1, 2026 - December 31, 2026
📂 USAble Plan Summaries (Spanish), Summaries w/Vol Life Rate Table, and Booklets –The DOWNLOAD link has the zip files where you'll find the following documents:
- Basic Life and AD&D Insurance Plan A
- Basic Life and AD&D Insurance Plan B
- Basic Life and AD&D Insurance Plan C
- Basic Life and AD&D Insurance Plan D
- Voluntary Life (if elected, the detail included in Basic Life Summary)
- Long-Term Disability Plans - LTD 2-9 Three Plan Options Summary and Rates
📂 VSP Plan Zip Folder: Summaries (Spanish) + Booklets
Plan Comparison - View
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