washington state jua
Current Annual Premiums
The current premium rates are listed below. Please note that this is a guideline only and does not constitute a formal policy proposal. In order to receive a formal proposal, you must complete an application or renewal form and submit it for approval.
New Midwife – Individual Policy
For midwives (LM or CNM) who are new to practice and starting a policy within 12 months of first becoming licensed.
$5,666
per year, base rate
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Covers the first 0-12 primary births
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Additional births over 12 are incremented as shown
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Base rate applies to first year of JUA policy
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If policy begins after July 1, discount also applies to Year 2
Incremental Birth Rates
For midwives attending more than 12 births per year as the primary midwife, the following incremental rates are on top of the base rate:
| Births | Incremental Rate |
|---|---|
| 13-24 | $218 per birth |
| 25-49 | $180 per birth |
| 50-74 | $168 per birth |
| 75+ | $143 per birth |
Established Midwife – Individual Policy
For established midwives (LM or CNM)
$7,554
per year, base rate
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Covers the first 0-12 primary births
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Additional births over 12 are incremented as shown
Incremental Births Example:
For an established midwife (LM or CNM) planning to attend 30 primary births this year, the premium is calculated as follows:
- 0-12 births included in the base rate: $7554
- 12 more births at $218 per birth: $2616
- 6 more births at $180 per birth: $1080
- TOTAL: $11,250 annual premium
A new midwife would have the discounted base rate, but the same incremental rates as established midwives for annual births over 12.
Well-Person Care (CNM only)
For CNMs who provide well-person care outside of the childbearing year in addition to attending births
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No gyn care, no additional premium
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Up to 25% of your practice: $220 on top of base rate
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26-50% of your practice: $440 on top of base rate
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Over 50% of your practice: $880 on top of base rate
Well-Person Care Example:
For an established CNM planning to attend 30 primary births this year AND provide well-person care for up to 25% of their practice, the premium is calculated as follows:
- 0-12 births included in the base rate: $7554
- 12 more births at $218 per birth: $2616
- 6 more births at $180 per birth: $1080
- Gyn increment up to 25%: $220
- TOTAL: $11,470 annual premium
Freestanding Birth Center
Liability insurance for the facility
$1,889
per year, base rate
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Rate includes unlimited births by midwives who hold individual JUA policies
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Births by non-JUA-insured midwives are an additional $218 per birth
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Does not cover individual midwives, just the facility
Birth Center Example:
For a birth center that expects to see 30 births done by JUA-insured midwives and 5 births by a non-JUA insured midwife, the premium is calculated as follows:
- All facility births by JUA-insured midwives are included in the base facility premium: $1889
- 5 facility births by non-JUA insured midwives at $218 per birth: $1090
- TOTAL: $2979 annual birth center premium
Practice Reduction Programs
The Practice Reduction programs are available to midwives who wish to significantly reduce the number of births they attend or stop attending births altogether but still do some prenatal/postpartum care.
Short-Term Practice Reduction
For midwives wanting to cut back on the number of births they attend to fewer than 12. Temporary; up to five years.
$1,320
per year, base rate for 0-2 births
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Additional births from 3-11 are $440 per birth
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Attending 12+ births will revert to standard pricing structure
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Must be licensed for at least 5 years and in good standing
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Must have 5 current and continuous years with JUA at 12+ births per year
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Must remain current with CEUs and Peer Review
Long-Term Practice Reduction
For midwives wanting to stop attending births, but continue offering prenatal, postpartum and (for CNMs) well-person care.
$1,056
per year
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Midwife must sign a no-births endorsement for this policy; no intrapartum care in any capacity or within 12 hours after the birth
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Must switch back to a birth policy before attending births in order to have coverage
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Must be licensed for at least 10 years and in good standing
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Must have 5 current and continuous years with JUA
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Must remain current with CEUs and Peer Review
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No maximum duration
Sabbatical
For midwives wanting to pause their practice for 3-12 months for any reason.
1/3
of base rate, pro-rated if sabbatical starts or ends mid-term
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No midwifery care of any kind can be provided during sabbatical
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Must have at least 12 months of JUA coverage prior to starting a sabbatical
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Must maintain licensure during sabbatical
Payment Options
The JUA offers several payment options to fit your personal or business needs.
Payment Timing
Payments can be made:
- Monthly
- Quarterly
- All at once
Payment Types
Payments can be made via:
- ACH transfer
- Check
- Credit/debit card (subject to processing fee)
Late Payments: A late payment may result in a gap in liability protection or cancellation of coverage. Don’t let this happen to you!
Have additional inquiries?
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