For Consumers

The Washington State Health Insurance Pool (WSHIP)

What is WSHIP?

The Washington State Health Insurance Pool (www.wship.org) is our state's high-risk insurance pool. Created by the state legislature, it offered insurance to Washingtonians rejected in the individual market for health reasons. 

With health reform, insurance companies can no longer deny individual coverage due to health reasons. However, health reform does not apply to Medicare Supplement plans. Insurance companies can continue to reject or limit Medicare supplement coverage due to health issues.

WSHIP Medicare plans

WSHIP sells the Medicare Basic plan (www.wship.org) to Washingtonians in two situations:

  • People on Medicare who've been rejected due to health reasons by a Medicare Supplement plan. 
  • People who live in an area where plans don't offer coverage.

WSHIP non-Medicare plans

If you're already on a WSHIP non-Medicare plan, you can stay on it until 2022. Another option is to buy an individual health plan through the Washington Healthplanfinder (www.wahealthplanfinder.org). You can also buy directly from an insurance company. You no longer have to answer questions about your health to buy an individual health plan. If you buy a plan through the Washington Healthplanfinder, depending on your income level, you may qualify for federal help paying your premium.

Contact WSHIP

For more information, call 800-877-5187 or go to WSHIP's website (www.wship.org).