Transitioned to Self-funded Plan

"We recently completed converting from a fully-funded insurance plan to a partially self-funded insurance plan. The transition was seamless because of EmSpring, especially Ed Haines (our broker) and Kathy Rheaume (self-funded insurance plan expert)."

Dante Batingan
Sr. HR Generalist
International Community Health Services

Services Spotlight

See a 1 minute overview of our HR & Benefits Online Resource Center!


Private Online Exchange = Defined contribution + plan choice! Learn more here.


Watch a screencast or ask Kathy about our easy online compliance tool!

Welcome To EmSpring, a division of HUB International

emspring hub international co-branded logo

EmSpring's employee benefits brokerage services are about helping employers create employee benefit plans that help you attract and keep the best employees. Our clients are small business employers with as few as 20 covered lives, on up to large employers with multiple locations.

We specialize in self-funded medical coverage plans, and helping Washington, Oregon and Idaho employers design ACA-compliant employee benefit plans. If you’re already a benefits client whose employees have coverage through your fully-insured or self-funded health plan, then you can breathe easily; they have qualifying health coverage.

If you're a Washington State, Oregon or Idaho employer, let's talk about your employee benefits strategy. As your employee benefits broker-of-record, we'll work with you to design a benefit plan that meets your needs now, and as healthcare coverage reform continues to evolve. Work with us and continue to make a positive statement about your company, with the right benefit plan for your employees.

Latest News

A New Era for EmSpring and Our Commitment to You

On September 1st, EmSpring was acquired by HUB International, the largest privately held insurance brokerage in the world (and 9th largest overall). We chose to partner with HUB because of their commitment to local markets and benefits focus, and because HUB has a great national reputation.

Legislative Brief: Are You Ready for Open Enrollment? Readiness Checklist!

Much changes for group health plan sponsors with plan years beginning on or after January 1, 2016. With Open Enrollment season fast approaching, you’ll want to check your plan documents to be sure they align with required changes under the Affordable Care Act (ACA). A summary of the Legislative Brief checklist:

Avoiding Employee Misclassification Under the Fair Labor Standards Act

New guidance is available for employers on how to avoid misclassifying employees as independent contractors for purposes of the federal Fair Labor Standards Act (FLSA), which sets basic minimum wage and overtime pay standards. According to the guidance, most workers are employees under the FLSA.

ACA Information Reporting Penalties Will Increase in 2016

As part of a new law, the penalty amounts that may apply to employers subject to the Affordable Care Act's information reporting requirements will increase next year.