Buying an individual plan
Individual coverage is health insurance for you and/or your family members. You can buy individual health plans during the following specific time periods (called "open enrollment periods"):
- The open enrollment period to buy coverage for 2014 closed on March 31, 2014 (Note: The Washington Healthplanfinder will grant extensions to consumers on a case-by-case basis who are unable to enroll due to online system issues by the March 31 deadline).
- If you still need coverage in 2014, see if you have a qualifying event for special enrollment.
- The open enrollment period for 2015 plans is Nov. 15, 2014 - Feb. 15, 2015.
- Washington Apple Health (Medicaid) enrollment is open all year long. See if you qualify or renew your coverage through the Washington Healthplanfinder (www.wahealthplanfinder.org) or by calling 855-923-4633.
In our state, you can buy individual coverage:
- Through the Washington Healthplanfinder (www.wahealthplanfinder.org) - An online marketplace where you can compare plans and get help paying your premium, depending on your income.
- Directly from a health insurance company - Additional health plans are available outside of the Washington Healthplanfinder, but if you buy directly from an insurance company, you won't get help paying your premium.
Some individual health plans may not be available where you live. View our map of individual health plans and their rates by county.
What determines how much you'll pay in premiums
- Your age and the age of any family member on your plan
- Whether or not you smoke
- The size of your family (how many people you want to cover)
- Where you live
- The deductible amount
- The benefits in your health plan
- The amount of your IRS premium tax credit subsidy (www.irs.gov) (if you apply for coverage through the Washington Healthplanfinder)
Health reform and individual plans
Individual health insurers:
- Cannot limit or deny you benefits if you or a family member have a pre-existing medical condition.
- Must include in the plans they offer a standard set of essential benefits (www.healthcare.gov), such as prescription drugs, maternity care, lab services, etc.