Washington Health Insurance Exchange helps you compare from all of your health plan options – both inside and outside the state exchange. We offer free, unbiased help from a licensed broker who can help you understand the details of each plan, determine which plan is right for you, and help you get enrolled from start to finish.
The Health Insurance Exchange is designed to make buying health coverage
easier and more affordable.
Use this website to see if you’re eligible for tax credits for private
insurance or health programs like the Children’s Health Insurance Program
(CHIP) and Apple Health. Input your household income, county you live in,
and your age. Then simply press the green ‘go’ button.
The calculator will determine if you qualify for new federal financial
assistance that you can use right away to reduce the cost of monthly payments
and out-of-pocket expenses. You’ll be able to compare health plans, their
benefits, and premiums side-by-side.
If you do not qualify for financial assistance, you will be able to
compare your options from top-rated private health carriers offering brand
new plans as of Jan 1 2014. All new health plans in Washington cover
pre-existing medical conditions and no one can be turned down for
Have questions or need help enrolling? Just call 360-464-1622 and a
certified exchange representative will answer all of your questions, help you
choose the right health plan to meet your needs, and walk you through the
enrollment process step by step.
Washington’s Public and Private Health Insurance Exchange.
Washington Health Insurance Exchange is an approved agency for the public
health insurance marketplace, Washington Health Plan Finder, and licensed by
the Office of Insurance Commissioner.
Washington Health Insurance Exchange is also an approved agency for each
of the major private health insurance carriers in Washington including
Regence Blue Shield, Premera Blue Cross, Moda Health, LifeWise Health plans
of WA, Assurant Health, Kaiser, Group Health Cooperative and Group Health
Disclosure: The Washington Health Insurance Exchange website is designed to help Washington residents determine if they qualify for lower health premiums through the Washington Healthplanfinder and enroll in a qualified health plan with the assistance of a licensed broker in the state of Washington. Only independent licensed agents/brokers who are registered producers for Washington’s HealthPlanFinder are authorized to give advice and make recommendations regarding health plans in the healthplanfinder. Washington Health Insurance Exchange is a division of the Washington Health Insurance Agency whose agent/owner is a registered producer for wahealthplanfinder.org and a licensed producer in the state of Washington. Our staff and licensed agents are not government employees, employees of the state, or the Washington Health Plan Finder. We make no claim or claims to represent, constitute, and/or otherwise provide other services on behalf of the Washington HealthPlanFinder. Any and all suggestions, claims, and/or implications to the contrary are hereby denied.
Ten essential health benefits coming in 2014.
Starting in 2014, The Affordable Care Act requires health-insurance plans,
both individual and small-group coverage, to provide essential benefits in at
least ten categories. In order to be certified and offered through
healthplanfinder, all policies must cover services in the following
Read More »
How affordable will the Affordable Care Act be?
The Affordable Care Act, which takes affect in 2014, can potentially
entail higher premiums; but it also offers offsetting savings as well. All
health policies will have to cover [10 essential benefits], such as
prescription drugs and rehabilitative care. More robust coverage typically
entails higher costs. Thus, typical premiums for individual and small-group
plans may indeed rise. However, tax credits, subsidized plans and reduced
premiums may make yearly healthcare costs approximately equal or even lower
for those that meet income criteria.
Read More »
What is the premium tax credit?
The premium tax credit is an advanceable, refundable tax credit designed
to help eligible individuals and families with low or moderate income afford
health insurance purchased through the healthplanfinder, beginning
in 2014. You can choose to have the credit paid in advance to your insurance
company to lower what you pay for your monthly premiums, or you can claim all
of the credit when you file your tax return for the year. If you choose to
have the credit paid in advance, you will reconcile the amount paid in
advance with the actual credit you compute when you file your tax return.
Read More »
Frequently Asked Questions
What if I have questions that aren’t answered on the site?
Call us at 360-464-1622. We look forward to answering your questions and helping you choose the plan that’s best for you and your family.
When will I be required to get health insurance?
Starting January 1, 2014 The Affordable Care Act requires individuals to obtain health insurance.
What is the penalty if I remain uninsured?
Those who remain uninsured after January 1st will be subject to a fine of $95 or 1% of annual income (whichever is greater). Penalty increases to $325 in 2015 (or 2% of income) and $695 or 2.5 percent of household income in 2016.
Why should I visit Health Insurance Exchange?
Health Insurance Exchange is your single source for health coverage. Multiple providers compete for your business. You can search for plans according to price, coverage options and that include your current doctor. Depending on income level, you may qualify for free coverage or lower premiums and co-pays.
Will I have to change my current health coverage through my job?
Most likely you can keep your plan through your employer. Check with HR to be sure.
Will I still be able to see my current physician?
Health Insurance Exchange enables you to sort plans by provider; so you can choose a plan that includes access to your doctor.
What if I have a pre-existing condition or have been uninsured for an extended period?
Regardless of whether you have a pre-existing medical condition or have gone uninsured for a while, Health Insurance Exchange will enable you to find a health insurance plan that meets you and your family's needs.
I can’t afford health insurance. What now?
If you meet eligibility requirements, you can obtain coverage for free or at deeply reduced premiums. Tax credits, expanded eligibility for Medicaid, and other subsidies will take effect in 2014, helping those in need afford coverage. Under the new law you can see what your estimated premium, deductibles and out-of-pocket costs will be before you enroll.
Is government health insurance available online?
All policies available through Health Insurance Exchange are provided by private insurers. Public insurance programs like Medicaid will have expanded eligibility. Governmental financial assistance may be available for those who meet eligibility requirements.
When is open enrollment?
The first open-enrollment period for buying insurance through an exchange begins October 1, 2013, and ends March 31, 2014. Coverage purchased through exchanges prior to December 23, 2013 will take effect on January 1, 2014.
What if I already have coverage?
If you already have health insurance through your job, Medicaid, Medicare or individual plans, any changes may be minimal. However, you may have access to additional benefits like preventative screenings, emergency services and prescription-medicine coverage. If you pay for your own coverage, you may qualify for new tax credits and financial assistance. You will also be able to insure adult children up to age 26.
Will I quality for a tax credit?
Eligibility is based on yearly household income as follows:
Individuals -- $15,000 to $46,000
Couples -- $20,000 to $62,000
Families of four -- $31,000 to $94,000
Credits are based on a sliding scale, and are NOT available for those who are eligible for Medicaid, Medicare or have coverage through an employer. Recipients must be a US citizen or lawfully present, not incarcerated and reside in Washington.
Your Privacy is Important! We will not share your personal information with anyone outside of our organization except as required to secure your insurance coverage.
We will not sell or share your personal information with any third party and we will maintain the highest professional standards of confidentiality and integrity.
Washington Health Insurance Exchange is a division of the Washington Health
Insurance Agency whose agent/owner is a registered producer for
wahealthplanfinder.org and a licensed producer in the state of Washington.
Our staff and licensed agents are not government employees, employees of
the state, or the Washington Health Plan Finder. We make no claim or claims
to represent, constitute, and/or otherwise provide other services on behalf
of the Washington HealthPlanFinder. Any and all suggestions, claims, and/or
implications to the contrary are hereby denied.