Why an Association Health Plan is One of the Most Valuable Benefits Your WSCA Membership Unlocks
Jeff Curwen, CAE WSCA Executive Director
For many chiropractors—and the teams who help power their clinics—one of the most persistent challenges in running a practice isn’t clinical decision-making, reimbursement procedures, or even patient acquisition. It’s healthcare. Not the kind they deliver, but the kind they purchase.
Health insurance in the small business market is notoriously volatile: premiums skyrocket, carrier participation changes year to year, and cost increases easily outpace revenue growth. For chiropractic practices in Washington State, this is more than a nuisance—it affects the financial stability of clinics, the wellbeing of staff, and the ability to recruit and retain top talent in a competitive healthcare environment.
This is exactly where the value of group health plans becomes not only relevant but strategically powerful. And it’s why the WSCA’s Health Plan stands as one of the most practical, high-impact benefits available to member doctors today.
Strength in Numbers: Why Association Plans Work
One practice negotiating alone is small. One chiropractor purchasing insurance individually has very little leverage. But when hundreds of buyers come together through their professional association, that buying power multiplies—and becomes something entirely different.
Plans like ours allow groups of similar businesses to band together to purchase healthcare like large employers do. Instead of buying as
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a clinic of two, five, or ten, you’re effectively purchasing as part of a much larger pool. That means:
• Negotiating strength • Broader benefit options • Better pricing stability • Access to plans typically unavailable to small groups
Now, even if we had all the chiropractors in Washington participating in an insurance pool together, they alone probably wouldn’t be enough to exercise that type of leverage. However, the WSCA’s new plan allows us to piggyback onto a larger group of associations that already have an established pool. The pool we’re now a part of already has tens of thousands of participants in it, which means that we can get some of the best plan options available and, more importantly, at the lowest possible rate.
Healthcare costs have become one of the largest overhead burdens for private practice owners nationwide. This structure helps correct that imbalance. The WSCA’s Health Plan was built for exactly this purpose. And we’re not just promoting a product here—the WSCA staff are also participants in this insurance plan. The Association will save over $7,000 next year by insuring our staff through this plan rather than renewing our current one—and we’ll have an objectively better policy, too!
A Partnership Built to Benefit WSCA Members
The WSCA’s health plan exists because of a collaboration between two key partners:
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