Buying an individual plan
When can I enroll?
Most individuals must enroll during the Open Enrollment Period each year from November 1st to January 31st. You may also qualify for a Special Enrollment Period based on certain life events (e.g., losing employer coverage). Short-term medical plans are available outside of the Open Enrollment Period.
How should I enroll?
The Washington Healthplanfinder is the online marketplace where you can purchase health plans and/or qualify for Medicaid. You must apply through the WA Healthplanfinder to receive tax credits and financial help.
What is covered?
All Qualified Health Plans must include at least these 10 essential health benefits:
Inpatient hospital care
Maternity and newborn care
Mental health and substance use disorder services
Rehabilitative care and devices
Preventive and wellness services
Pediatric services, including oral and vision care
What does it cost?
It's important to determine whether you qualify for tax credits and financial help. Monthly premiums are based on the following factors:
- Whether or not you smoke
- Where you live
- Household size and income
- The health plan you select (e.g., deductible, HMO vs PPO, etc.)