About Washington Healthplanfinder Insurance Plans
All health plans offered through Washington Healthplanfinder meet strict benefit and quality standards. And all the essentials are covered, including visits to the doctor and emergency room, prescriptions, maternity care and preventive care such as cancer screenings and immunizations. If an accident or illness strikes, a quality health plan can help protect you from huge medical bills. In addition, no one will be denied coverage because they are sick or have a pre-existing condition.
Washington Healthplanfinder offers a range of health plans so you can choose the one that best meets your financial and health needs. To view a complete list of health plans and rates that are available in your area, please click here.
Qualified Health Plans
The following insurance carriers sell health plans through Washington Healthplanfinder:
- BridgeSpan – King, Kitsap, Pierce, Skagit, Snohomish, Thurston, and Spokane
- Community Health Plan of Washington – Adams, Benton, Chelan, Clark, Cowlitz, Douglas, Ferry, Franklin, Grant, Grays Harbor, King, Kitsap, Lewis, Okanogan, Pacific, Pend Oreille, Pierce, Skagit, Snohomish, Spokane, Stevens, Thurston, Wahkiakum, Walla Walla, Whatcom, Yakima
- Coordinated Care – Adams, Benton, Chelan, Douglas, Franklin, Grant, Grays Harbor, King, Skagit, Snohomish, Spokane, Thurston, Walla Walla, Yakima
- Group Health Cooperative – Benton, Columbia, Franklin, Island, King, Kitsap, Kittitas, Lewis, Mason, Pierce, San Juan, Skagit, Snohomish, Spokane, Thurston, Walla Walla, Whatcom, Whitman, and Yakima
- LifeWise Health Plan of Washington – All 39 counties
- Molina Health Care of Washington – King, Pierce and Spokane
- Premera Blue Cross – All counties except Clark
- Kaiser Foundation Health Plan of the Northwest – Clark and Cowlitz (Small Business and Individual Market)
- Delta Dental of Washington, Kaiser Foundation Health Plan of the Northwest, LifeWise, Premera Blue Cross – All 39 counties (Pediatric Dental Only)
These health plans have been certified to meet state and federal requirements for health plans as well as standards developed by Washington Healthplanfinder.
Standard Plan Benefits
All health insurance plans are required to provide a certain level of standard benefits known as essential health benefits. The Affordable Care Act requires that all health plans offered in the individual and small group markets must provide these items and services. The ten essential health benefits include:
- Ambulatory patient services
- Emergency services
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including dental and vision care
Levels of Coverage
Washington Healthplanfinder allows shoppers to find a plan that fits their needs and budget by offering side-by-side comparisons of health plans based on a variety of factors such as cost, quality and physician networks. Plan options will be broken down into metal tiers – Gold, Silver and Bronze – based on the level of coverage they provide:
- Gold Plans: Gold plans cover 80 percent of the cost of essential health benefits, while the patient pays 20 percent.
- Silver Plans: Silver plans cover 70 percent of the cost of essential health benefits, while the patient pays 30 percent.
- Bronze Plans: Bronze plans cover 60 percent of the cost of essential health benefits, while the patient pay 40 percent.
All plans on Washington Healthplanfinder will have new limits on out-of-pocket costs, including deductibles and co-payments, of $6,350 for an individual and $12,700 for a family.
A catastrophic plan will also be offered. This is a type of health care plan only available through Washington Healthplanfinder, and it generally provides the least coverage. Individuals under age 30 may buy a catastrophic plan. Individuals over age 30 may buy a catastrophic plan if they have a hardship exemption.
Help Paying for Coverage
More people than ever before qualify for financial help to pay for coverage. Depending on how much you earn, you can qualify for a free or low-cost health plan, or be eligible for financial help that can lower the cost of your premiums and copays.
Qualified Health Plans file rates through the Washington State Office of the Insurance Commissioner and only upon approval are offered on Washington Healthplanfinder. Financial help is available in several ways:
- Tax credits: Tax credits can be used to lower the health insurance premium costs of Washington Healthplanfinder Qualified Health Plans. This tax credit provides you the option to either reduce the amount of your monthly health insurance premium or have a lump sum deduction when you file your annual income tax return.
- Cost-sharing subsidies: Cost-sharing subsidies reduce the out-of-pocket amount of expenses you have to pay when you receive health care services at the hospital or doctor’s office.
- Washington Apple Health: In 2014, under the Affordable Care Act, Washington State expanded Washington Apple Health. The coverage is free for those who qualify.
Choosing a Health Plan
Washington Healthplanfinder will have a network of customer support across Washington State to help you get the information you need to enroll in health coverage that best meets your needs and budget. To learn more, visit www.wahealthplanfinder.org.