15 Years Green

Jason Lear is principal and co-owner (along with his wife, Holly Batt) of Batt + Lear, a 15-year-old Seattle construction firm, employing a diverse group of 25 employees. Batt + Lear builds and remodels structures to be highly energy efficient, simple, and functional and has won numerous green building awards over the years.

Joined MBA for the Health Insurance Trust

Batt + Lear joined the MBA in 2005, specifically for the MBA Health Trust. "Right from the beginning, it had been our dream to be the kind of company that people wanted to work for," says Jason. "Early on, we offered 20 days of paid time off plus health insurance. The MBA Health Trust was the only plan that would let us insure a minimum of just five employees. We also appreciated the ability to pick our own practitioners."

Staying Insured Through Downturns

Jason's company has made it a priority to maintain health insurance benefits, even through difficult financial periods. "Making it through 2008 was tough. We had to cut our 20-employee team by half. But we did have the good fortune to be vested in remodeling. After the financial crash, people couldn't sell or invest in new buildings, but there were a lot of remodel projects. So we got through. Now we're up to 25 employees and doing well."

Temporarily Lured Away

Jason tried another health insurance program for three years before coming back to the MBA Health Trust. "We were lured away by another insurance trust, which seemed less expensive. And it was cheaper initially because we had a group of young employees who never made claims. But when our employees actually started using the insurance, we were penalized, and our costs were hiked drastically by 45 percent. So we found our way back to the MBA Health Trust."

Modest Increases Are Easier to Plan For

All businesses have seen escalation of health insurance premiums the past couple of years, but Jason says the Trust is keeping them reasonable. "You assume rates are going to go up," he says. "We can handle single-digit increases. They are easier to plan for versus what you see outside of the Trust."

Regence BlueShield Is Very Versatile

Regence BlueShield, the Trust's insurer, provides Batt + Lear many care and provider options. "There is a lot of flexibility. Our staff can select the HSA plan or the preferred provider plan," says Jason. "Personally, for my family, I appreciate that Regence supports alternative care, things like massage, chiropractor, naturopathic doctors, etc." Jason says the plan is also well managed. "The administrators are great; they show us owners different plan options for getting the best coverage for the lowest price. And they present well-explained options to our employees and are always available for consultation."

Built Green

Batt + Lear are highly engaged with Built Green, the MBA's program for setting certification standards of excellence for construction that makes a significant impact on housing, health, and the environment. The program provides consumers with an easy-to-understand rating system that quantifies environmentally friendly building practices and gives builders the resources and support to build high-quality, desirable homes. "We were green builders right from the start," says Jason. "We wanted to be more public about it. So we started to certify projects as green. And now I'm on the executive committee of Built Green."

MBA GRIP Program Delivers L&I Refunds

Jason's firm also takes advantage of GRIP, the local safety incentive program for members of the MBA. GRIP provides Batt + Lear with a team of professionals dedicated to helping them reduce on-the-job injuries, manage workers' comp claims, lower L&I premiums, and maximize refunds. "It's a great, overlooked program that I wish we had known about earlier. We left a lot of money on the table. This is the third year we are getting refunds," Jason says.

The MBA Means Advocacy

The MBA has long been known for lobbying and government relations on behalf of its members and Jason is seeing the benefits directly in Seattle. "There's definitely a new focus from the MBA toward Seattle businesses like mine," he says. "The MBA advocacy groups are partnering with other influential groups to provide the Seattle City Council with a voice representing builders and green builders—which we very urgently need."

A whirlwind tour of Seattle's most efficient house. Ever.

GET YOUR EDUCATION ON THE AVE (OF NW 61ST STREET IN BALLARD)

Everything's looking Emerald at the moment. Sun is shining, address wasn't hard to find, and I now get semi-private access to Seattle's very first Emerald Star-rated home—which, in a city fueled by organic coffee and clean living, is a big deal.

Happily residing in this city of sustainability—Ballard, specifically—this new home fits right in in terms of the green mindset that permeates throughout the neighborhood. When you picture it in your head, you're probably conjuring up thought bubbles containing just the right amount of eccentricity and eco-friendliness all the way. And you'd be correct. This home is basically the housing version of a vegan organic kale smoothie, except it goes down a lot better.

I've heard nothing but great things about this place; the guts of it all and how clean and efficient everything is—2,218 square feet of industrial-strength efficiency, both inside and out. For a luxury-esque home containing four bedrooms and 2.5 bathrooms, that's a feat that shouldn't go unnoticed. And it doesn't. Funnily enough, there's another number that Dwell likes to flaunt alongside the bedroom and bathroom digits, and that's the 8.0kW of solar panels up on the roof. I've been told that number is quite impressive.

HERE

Nestled snugly in between the seemingly endless rows of unique sweet shops, colloquial little bars, and nuevo waffle shacks, I find it. Of course it's in Ballard. It just makes too much sense.

For the moment, I'm looking forward to a nice side chat with the builder, Anthony, and a bit of quiet time. Approaching the property, one notices, whether they want to or not, that the exterior looks a bit rustic. It actually looks pretty cool and fits the landscape well. Turns out that this rustic appeal is a big part of the story; every aspect of the home is made from reclaimed materials.

There are balloons outside the house and various people I don't know shuffling in and out. Apparently I'd missed the open house sign sitting near the sidewalk. There goes my quiet time.

Shoes off and inside, it's a celebratory atmosphere complete with a photo posing backdrop in the open, expansive living area. I stand near this part very awkwardly, desperately searching for a familiar face to engage with so I can stamp my acceptance as one of the in-crowd. Oh, hey, there's the Built Green crew. I know them. Thank goodness. Turns out they're a big part of the celebration.

OK, you ask, what exactly are we celebrating? Milestones. First, this is Dwell's 100th completed home, which is impressive when you think about it. Even more so, and possibly more important, at least to the housing industry and public at large, is that this home is the city of Seattle's first spec home to receive a Built Green Emerald Star certification—which sounds impressive, because it is. Sorry, formalities; a spec home, short for speculative home, is a home which is built with features that the builder thinks will provide maximum appeal for potential buyers. This is opposed to a custom home, where a buyer purchases early and oversees construction, what goes in, out, and around the home—and what doesn't. This one's aim was true, because it was quickly snatched up for $850,000.

THERE

I know what you've been thinking this whole time: What's so cool about this Emerald Star rating? Taking cues from Built Green's stringent checklist, filled with ceiling-level standards on everything from stormwater runoff to material requirements, this house bursts through the roof by being 100 percent electric, boasting net zero energy use via over-our-head features like triple-glazed wood windows, radiant-heated floors, and a heat pump water heater that defies time and space by somehow providing 450 percent efficiency.

Want to know what's more impressive? This home actually provides energy back to the grid. Think about that for a moment. Not only does it use zero energy over a year, it uses its awesomeness to create energy.

Yep. That's why this house is so cool.

Basically, it's a beast in the best sense of the word. Ivan Drago's scientifically modified body and Rocky's nature-produced strength have merged on a quiet street in Ballard. Remember Rocky's final speech from that movie? We can all change. When it comes to sustainable housing, we all will change, eventually. Someday we won't have a choice. It's not today, but experiencing this house makes one want to expedite the consensus to the rest of the industry.

Oh, and you know what may be the most impressive part of this place is? It's really comfortable. I want to hang out in every crevice of every room for a few minutes before moving to the next comfy crevice, which may just be a huge open space, but still feels like home. This place is a show house, you know, like the ones that you see in the backgrounds of ads; the type of place that you just know nobody actually lives there. Except people actually live here.

I finally get to meet the mind behind Dwell for a brief few minutes, who happens to be very upfront and personable. Anthony Maschmedt, cool and charismatic, bounces from one conversation to the next, giddily showing off the tech components built into the reclaimed wood and open floor layout. It is an interesting blend of vibrancy and stark minimalism. The wood stairs come from an old barn somewhere in Oregon. They've been refinished, of course, and placed to be noticed. These aren't simply a means of getting to and from the second and third floors; they're a usable art installation. The tech, by the way, is on par with something you'd expect from a house of this caliber. Lights, sounds, and who knows what else all are controlled via electronic device or smartphone.

Anthony is the type of person you want to sit and converse with, and he's very visibly happy about both the state of his most recent home and reactionary treatment it's getting from the crowd. I want to talk to him some more, but he's a wanted man right now and he's got his hands full of compliments and delicious vegan cookies. The open house was also catered—with a chef demonstrating cooking on the induction stovetop.

It's time for me to say my silent goodbye and get going back to my ordinary life in an ordinary part of town to relax in an ordinary home.

EVERYWHERE

An unassuming side street in Ballard is where blisteringly hot technology, nature, and new age aesthetics come together to play nicely—no supervision needed. I'm walking back to my car and I can feel its late evening heat on my back as I reflect on exactly what just happened. It all seemed so fast. The tour, the conversations, and now the reflections. I'm taking in the neighborhood. What do people do for fun around here? You could spend a day on the side of the Dwell house watching the energy meter run backwards, but you'd be better off in either the open-floor kitchen/living area, back deck, second floor free space overlooking the kitchen/living area, or any one of the comfortable, quiet bedrooms just living the languid life while your home does all the heavy lifting—softly, no grunts or strains to be heard.

The Dwell Emerald Star home on 61st Street isn't just another house. It's the start of something big. You'll see.

HIGH-END EASTSIDE HOME BUILDERS

Terrene Homes is a family-owned, Bellevue-based company specializing in residential building, specifically single-family and multifamily construction. Most of the 13-employee firm’s projects are on the Eastside and include both spec and design/build projects, at the higher end of quality and price. Terrene designs homes that “emphasize livability without sacrificing style, power, luxury, or comfort.” Danielle wears lots of financial and administrative hats at Terrene. “I’ve been with the company for eight years. My official title is accountant, but I also handle HR and I’m the liaison between employees and EPK Benefits, which administers our MBA Health Trust plan.”

THE MBA HEALTH TRUST PROVIDES AFFORDABLE RATES FOR SMALL FIRMS

Danielle says that it is tough for small businesses to maintain affordable health insurance. “As a company with a small number of employees, it’s hard to find coverage with affordable rates. We joined the MBA Health Trust eight years ago,” says Danielle. “We had just four employees when we first got health insurance and we now have 13 who are currently enrolled. And while remaining a relatively small firm, we’ve been able to keep insurance affordable during that whole period.”

Terrene is now enrolled in a Regence BlueShield PPO plan that provides competitive premiums. “We looked at other options,” Danielle says, “but it was most affordable through the MBA. Our monthly premium is significantly lower—around 10% savings.”

REGENCE BLUE SHIELD EXCELLENT FOR PREVENTIVE CARE

Terrene’s coverage includes Delta Dental of Washington, along with Regence, and Danielle says employees couldn’t be more pleased. “They are very happy with the Regence coverage and the flexibility and ability to see doctors they need to see, particularly in the preventive care area. We’ve had instances where employees were pleasantly surprised at what they had initially thought would be expensive out-of-pocket fees for preventive care, but they didn’t have to pay much at all.”

RESPONSIVE ADMINISTRATORS

EPK is the third-party organization that administers the plans for the MBA Health Trust. “They are extremely helpful and responsive,” says Danielle. “If there is a question of coverage, they are very quick to solve the issue.They are a great middleman for us and our employees to use as a resource.”

TERRENE ALSO PARTICIPATES IN THE MBA GRIP PROGRAM

The MBA also provides access to the GRIP program, which helps improve safety and reduces the overall cost of workers’ compensation for MBA members. “It’s a great program for loss prevention,” says Danielle. “And the GRIP safety team was just out here to do an overhaul of our current safety procedures. It’s a fantastic resource for safety and injuries, though we have never had to make that call.”