What to do with millions of dollars in refunds: That's the question in front of Premera Blue Cross, which is receiving $390 million in tax refunds because of recent changes to federal tax law.

Premera faces no restrictions on how it can use the windfall of money.

The Mountlake Terrace-based agency will put some of it toward raises, by way of a $1,500 bonus to each employee.

The bulk of the refund, however, will go toward bringing doctors and health coverage to rural residents. Premera has committed to offering individual health plans in any county where there's not another insurer in 2019. That’s something rural counties, including Grays Harbor and Klickitat, have struggled with.

Premera spokesperson Steve Kipp said it's a risk for them.