Under the Affordable Care Act, each state must designate an Essential Health Benefits benchmark plan to serve as a benchmark for all individual and small group health plans offered in the state. Washington's most recent designation of the essential health benefits benchmark plan was in 2016.

In 2019, the Department of Health and Human Services issued a notice of benefits and payment parameters that gives states an opportunity to update their essential health benefit benchmark plans for 2020 and beyond. The deadline for submission of a request and supporting documents for a future plan year is May two years before the plan year the essential health benefits update would take effect. The submission must include an actuarial analysis and description of the new benchmark plan, include a description of benefits and limits. 

The Office of the Insurance Commissioner (OIC), in consultation with relevant interested persons and entities, must review Washington's benchmark health plan establishing the state's essential health benefits to determine whether to request approval to modify the state's essential health benefits benchmark plan.

As part of this review, OIC must determine the potential impacts on qualified health plan design, actuarial values, and premium rates if coverage for each of the following was included as an essential health benefit:

• hearing instruments and associated services;
• fertility services;
• contralateral prophylactic mastectomies; and
• magnetic resonance imaging for breast cancer screening.  

Any update of the state's essential health benefits benchmark plan must also include coverage for human donor milk. 

By December 1, 2023, OIC must report the results of the review to the relevant committees of the Legislature, including any findings related to modifying the state's essential health benefits.