You can save money or receive more comprehensive benefits depending on the type of plan you choose. Purchasing lower-cost policies with high annual deductibles and coinsurance is a good strategy if you only want to cover yourself in the case of an emergency, but remember that you still need to meet the deductible and copayment. You’re only looking for coverage suited to your needs, so if you’re healthy and unlikely to need regular medical care, you can save a bit of money. You’ve got more options when you’re looking for insurance as an individual. The deductible you’re required to meet each year.How much you can afford to pay for insurance.The things you need to determine ahead of time include: You should take some time to consider your needs before you shop for insurance. Whether you’re looking for an individual plan or family coverage, your enrollment process is exactly the same. Regence BlueCross BlueShield UnitedHealthcare.Kaiser Foundation Health Plan of Washington. Kaiser Foundation Health Plan of the Northwest.The following insurance companies currently offer individual health insurance coverage in Washington: Once you’ve found the plan that you like, you can finish enrolling on the website. Use the available comparison tool to shop for different insurance plans before you decide which one is right for you or your family. The website automatically determines if you’re able to apply for Apple Health (Medicaid) or CascadeCare plans, which are cost-sharing plans that could save you money. How many dependents do you claim on your income tax return?.Are you interested in applying for financial assistance?.Your application asks several questions that help the website determine if you qualify for the Advanced Premium Tax Credit or other forms of financial assistance: After you create your account, you can apply for insurance coverage. This includes the birth date, full name, and Social Security number for everyone you want to add to your plan. You only need to follow the instructions, provide your contact information, and select a password and security questions.īefore you apply for coverage, gather all of the information you’re going to need. You can access the exchange by visiting and creating an account. Washington runs its own health insurance marketplace. Just under 14% are enrolled in Medicare, and 19.8% receive coverage through Medicaid. Types of plans: In Washington, 52.9% of people get health coverage through an employer.The only way to qualify for the Advanced Premium Tax Credit is to use the state exchange. Health Insurance Exchange: Washington uses its own health insurance exchange and uses the same exchange to allow residents to apply for financial assistance programs.To qualify, you have to have moved, changed jobs, gotten married, or had a child. Special enrollment: Special enrollment periods allow you to apply for insurance outside of open enrollment.If you don’t enroll during the annual open enrollment period, you might lose the ability to enroll until the next enrollment period. Open enrollment: Washington residents can enroll in affordable health coverage every year during the open enrollment period that begins on November 1 and ends on January 15.You may do this if you feel that your work coverage isn’t covering your needs. Buy coverage: You can buy individual insurance coverage in Washington even if you’re enrolled in an employer-sponsored health plan.
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