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Health Insurance for Individuals & Families

General Information

What Individual & Family Health Plans are Available in Washington State and When Can I Purchase?

Are you shopping for health insurance for the self-employed, health insurance for individuals & families, temporary health insurance or Medicare supplemental insurance?  Whatever your need is, having a health insurance expert on your side to shop and explain everything to you is important and we are here to help you every step of the way. When purchasing through the Carrier, it doesn’t cost you anything more to use our services either.  

Important: The 2019 Open Enrollment period will open beginning Nov. 1, 2018 through Dec. 15, 2018. In order to secure a January 1, 2019 effective date, you must submit completed paperwork no later than Dec. 15, 2018.  

What is the Tax Penalty if I don’t have health insurance?

Those who were uninsured in 2016 will be subject to a minimum penalty of $695 per adult and $347.50 per child OR 2.5 percent of household income, with a maximum penalty of $2,085. For 2017 the rate will remain constant at 2.5%, but the flat fee will adjust based on inflation. For 2018 and beyond, there will be no further penalties assessed per federal law.

General special enrollment
If you have a qualifying event, you may get a special enrollment period (SEP) to buy an individual health plan. This means you can enroll in or change your health insurance plan outside the standard annual open enrollment period. Most special enrollment periods last 60 days from the date of the qualifying event (described below). If you don't qualify for a SEP, you'll need to wait until the next open enrollment period beginning November 1, 2018. 

Qualifying events for SEPs include, but aren't limited to:

  • Losing health coverage, including an employer plan or an individual policy 
  • Losing Apple Health (Medicaid) because you no longer qualify 
  • Giving birth to or adopting a child 
  • Permanently moving to a new area where your current plan doesn't provide coverage 
  • Employer not paying your COBRA premium on time 
  • COBRA coverage period ending (usually 18 months) or reaching the lifetime limit 
  • Your dependent turning age 26 and losing his or her coverage on your employer’s plan 
  • Getting married or entering into a domestic partnership 
  • Getting divorced or ending a domestic partnership 
  • Your health plan no longer being offered for sale in Washington state 
     

Note: You will NOT qualify for a SEP if you voluntarily cancel your health insurance or your insurer cancels because you don't pay your premium even if we find you a lower cost plan.  You will need to wait until November 1, 2018 to purchase and enroll for a January 1, 2019 start date.

If you qualify for a SEP, in the state of Washington, you basically have two options for applying for Individual & Family health plans: 

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