Wash. Rev. Code » Title 48 · Chapter 48.15
Revised Code of Washington

Wash. Rev. Code § 48.15.023 (2026)

✓ current as of May 2026
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(1) As used in this section, "person" has the same meaning as in RCW 48.01.070.
(2) For the purpose of this section, an act is committed in this state if it is committed, in whole or in part, in the state of Washington, or affects persons or property within the state and relates to or involves an insurance contract.
(3) Any person who knowingly violates RCW 48.15.020(1) is guilty of a class B felony punishable under chapter 9A.20 RCW.
(4) Any criminal penalty imposed under this section is in addition to, and not in lieu of, any other civil or administrative penalty or sanction otherwise authorized under state law.
(5)(a) If the commissioner has cause to believe that any person has violated the provisions of RCW 48.15.020(1), the commissioner may:
(i) Issue and enforce a cease and desist order in accordance with the provisions of RCW 48.02.080; and/or
(ii) Assess a civil penalty of not more than twenty-five thousand dollars for each violation, after providing notice and an opportunity for a hearing in accordance with chapters 34.05 and 48.04 RCW.
(b) Upon failure to pay a civil penalty when due, the attorney general may bring a civil action on behalf of the commissioner to recover the unpaid penalty. Any amounts collected by the commissioner must be paid to the state treasurer for the account of the general fund.
[ 2003 c 250 s 3.]

Notes:

Severability—2003 c 250: See note following RCW 48.01.080.
Notes of Decisions
Cited in 4 cases (4 in the last 5 years), 2021–2025 · leading case: Red Shield Admin. Inc v. Kreidler (W.D. Wash. 2021).
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Red Shield Admin. Inc v. Kreidler (W.D. Wash. 2021). · cites it 3× “The Consent Order and RCW 48.15.023 10 provide that the Commissioner may assess a civil penalty of “not more than twenty-five 11 thousand dollars for each violation” against Red Auto.”
Red Shield Admin. Inc v. Kreidler (W.D. Wash. 2021). · cites it 3× “The Consent Order and RCW 48.15.023 1 2 provide that the Commissioner may assess a civil penalty of “not more than twenty-five 3 thousand dollars for each violation” against Red Auto.”
Craig R Jolley, Dmd, Pllc, App V. State Of WA Off. Of Ins. Comm'r., Resp (Wash. Ct. App. 2025). “Direct practices are an alternative payment model for primary care services “in which patients enter into a direct relationship with medical practitioners and pay a fixed amount directly to the health care provider.”
Craig R. Jolley, Dmd, Pllc, V. State Of Wa Off. Of Ins Comm'r (Wash. Ct. App. 2025). “080(3)(a); RCW 48.15.023(5)(a)(i)-(ii). In addition, entities in the health care industry may seek a certificate of authority as an HCSC.”
— Wash. Rev. Code § 48.15.023(5)(a) — 2 cases
Red Shield Admin. Inc v. Kreidler (W.D. Wash. 2021). “The Consent Order and RCW 48.15.023 10 provide that the Commissioner may assess a civil penalty of “not more than twenty-five 11 thousand dollars for each violation” against Red Auto.”
Red Shield Admin. Inc v. Kreidler (W.D. Wash. 2021). “The Consent Order and RCW 48.15.023 1 2 provide that the Commissioner may assess a civil penalty of “not more than twenty-five 3 thousand dollars for each violation” against Red Auto.”
— Wash. Rev. Code § 48.15.023(5)(a)(i) — 2 cases
Craig R Jolley, Dmd, Pllc, App V. State Of WA Off. Of Ins. Comm'r., Resp (Wash. Ct. App. 2025). “Direct practices are an alternative payment model for primary care services “in which patients enter into a direct relationship with medical practitioners and pay a fixed amount directly to the health care provider.”
Craig R. Jolley, Dmd, Pllc, V. State Of Wa Off. Of Ins Comm'r (Wash. Ct. App. 2025). “080(3)(a); RCW 48.15.023(5)(a)(i)-(ii). In addition, entities in the health care industry may seek a certificate of authority as an HCSC.”
— Wash. Rev. Code § 48.15.023(5)(ii) — 2 cases
Red Shield Admin. Inc v. Kreidler (W.D. Wash. 2021). “The Consent Order and RCW 48.15.023 10 provide that the Commissioner may assess a civil penalty of “not more than twenty-five 11 thousand dollars for each violation” against Red Auto.”
Red Shield Admin. Inc v. Kreidler (W.D. Wash. 2021). “The Consent Order and RCW 48.15.023 1 2 provide that the Commissioner may assess a civil penalty of “not more than twenty-five 3 thousand dollars for each violation” against Red Auto.”
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