Open Enrollment in or outside the Exchange begins mid-November 2022, but some exceptions may apply if you have a qualifying event
Washington Healthplanfinder allows individuals to find, compare and buy quality health insurance plans. You may also be eligible for a tax credit. Please contact our office so we can help you determine if the Exchange will be a good option and assist you with the enrollment process. The R. L. Evans Company is here to answer your questions.
If you would like to compare plans on your own go the Washington Healthplanfinder and select “Find and Compare Health Plans”. If you decide to start the application process please be sure to contact Marjorie Harwood at 425-455-0501 x 112
Open enrollment dates
The next Open Enrollment begins in mid-November, unless you have a qualifying event (i.e.: involuntary loss of coverage, marriage, birth, etc). If you have a qualifying event, you may get a special enrollment period to buy an individual health plan. Most special enrollment periods last 60 days from the date of the qualifying event.
What type of plans are offered in the Exchange?
Plans within the Exchange will be standardized for the most part into different “Medal” levels of coverage; you can determine which level is right for you. It is important to note that Provider Networks DO vary quite a bit from carrier to carrier and plan to plan, so let us help you avoid any surprises down the road.
Gold Level
- Best Coverage
- Highest monthly cost but lowest medical bills
- Lowest Copays
- Best Drug coverage
- Fits those who require the most benefits and need the best coverage possible
Silver Level
- Good Coverage – The “Standard” benefit
- Balanced monthly cost and coverage
- Higher Copays, some services after Deductible
- Good Drug coverage, but higher cost at the pharamacy
- Fits those seeking a balance between good benefits and lower monthly costs
Bronze Level
- Value coverage “Just in Case”
- Lowest monthly cost, higher upfront medical bills
- Most services subject to Deductible, not Copays
- Most covered Drugs subject to Deductible
- Fits those who can risk spending more out of their pocket up front in return for very low premiums
Catastrophic Level
- Available to adults under age 30 or adults experiencing some type of hardship (determined on a case by case basis)
- First three primary care and preventive care visits covered in full before deductible
- Not eligible for financial assistance
Who may qualify for a subsidy?
More people than ever before will 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. For example:
- If your income is between 100 – 150% of FPL (federal poverty level), you’ll pay 6% of your health care expenses and your insurance company will cover 94%.
- If your income is between 150 – 200% of FPL, you’ll pay 13% of your health care expenses and your insurance company will cover 87%.
- If your income is between 200 – 250% of FPL, you’ll pay 27% of your health care expenses and your insurance company will cover 73%.
Subsidy Calculator
Many individuals, families, and small businesses in Washington State will be eligible for financial assistance to help cover the cost of insurance premiums for Qualified Health Plans offered through Washington Healthplanfinder. Use this calculator to find out if you may qualify for financial help:
1. Visit wahealthplanfinder.org and click “Shop for a Health Plan” on the homepage.
2. Enter the primary applicant’s ZIP code, county, age and income.
3. Add additional information for any household members also seeking coverage.
Note: This calculator shows estimated eligibility for families and individuals seeking coverage through Washington Healthplanfinder. When you submit your application, you’ll get your actual eligibility for free or low-cost health insurance. Please note that results from these calculators are simply an estimate.
Fact Sheets
