Washington is one of only four states that do not allow private insurers to sell workers comp policies. Here, employers must either self-insure or purchase from the state monopoly, which boosted rates this year an average of 7.6 percent. Unless things change, employers can expect another stiff premium hike next year. An employer coalition proposed legislation to reform the system without reducing worker benefits. The reforms are common across the country, yet inexplicably anathema to union leaders here. The reform bill has yet to get a legislative hearing.