What to Expect from LifeWise in 2025

Our 2025 individual and family plans and rates have been filed with the OIC and are now public. To see the full scope of the filing across all carriers, visit the OIC announcement. Here’s a preview of what you can expect for LifeWise next year.

Plans

We’ll be discontinuing the LifeWise Essential Bronze HSA plan for 2025. All members will be mapped to Cascade Bronze or Cascade Select Bronze where Cascade isn’t available. We’re also renewing all LifeWise grandfathered plans.

Counties

We’ll be exiting Clallam, Jefferson, and Mason counties—no Essential, Cascade, or Cascade Select plans will be available. We have proposed to expand Cascade Select plans into Grays Harbor and Lincoln counties.

Rates

We’ve filed for an average 8.0% rate increase for our LifeWise Essential, Cascade, and Cascade Select metallic plans, and a 6.9% increase for our grandfathered plans.

Rates are not final until approved by the OIC in early September.

Network

Your Essential and Cascade plan clients will remain on the same LifeWise Primary network with over 30,000 providers, including Kinwell, Providence, Swedish, and CHI Franciscan.

Cascade Select will continue to use the LifeWise Alpine network which includes MultiCare, PeaceHealth, Confluence, and more.

After months of contract negotiations, we recently reached an agreement with MultiCare Health System. This new agreement ensures our members continue to have access to quality care at an affordable price and ensures MultiCare is fairly compensated.

Grandfathered plans will continue to use the LifeWise Preferred network.

Commission

We’ll continue the same 3-tier compensation structure in 2025. Only individual members count toward the tiers, as seen in the table below.

Open Enrollment

Things move fast once we file our plans! Below is a timeline of key dates and expected touchpoints between now and open enrollment, so you can plan and prepare.