Frequently Asked Questions

Why do I need health insurance?

Having quality insurance means that you and your family can get the care necessary to stay healthy. And when an accident or illness strikes, a quality health plan can offer protection from huge medical bills.

Starting in 2014, if individuals do not have health insurance, they will have to pay a fine of $95, which increases to $325 in 2015 and $695 or 2.5 percent of household income in 2016. For families, the penalty will be $2,085 or up to 2.5 percent of household income. (But don’t panic if you think you can’t afford insurance there will be help with the expansion of Medicaid).

How will Washington Healthplanfinder make coverage more affordable?

Residents with incomes of up to $45,960 for an individual and up to $94,200 for a family of 4 will be eligible for savings on their insurance premiums or public programs such as Medicaid. Small businesses who would like to offer health coverage to their employees may be eligible for the Small Businesses Health Care Tax Credit to help cover their monthly premiums. This tax credit is offered through the IRS.

How is Washington Healthplanfinder different from websites that sell insurance now?

Washington Healthplanfinder is redefining people’s experience with health care. Unlike other websites that sell one company’s specific health insurance plan, Washington Healthplanfinder is a central location where multiple health insurance companies compete for your business. Depending on how much you earn, you can get access to financial help that lowers the cost of your premiums and copays.

Washington Healthplanfinder also allows you to make side-by-side comparisons of multiple health insurance plans, so you can choose the right plan based on cost, coverage, convenience or any number of factors. Plus, Washington Healthplanfinder gets rid of the fine print and makes it easier to understand what a plan covers and how much it costs. Every plan offered through Washington Healthplanfinder is state-certified, so you can rest assured that you are buying a quality plan from a reliable company.

I have insurance through my employer. Will I have to change plans?

Most individuals will be able to stay on their company’s health insurance plan. There is no requirement that you use Washington Healthplanfinder to purchase health insurance.

If I buy a plan on Washington Healthplanfinder, will I still be able to go to my same doctors?

All insurance carriers that offer health plans through Washington Healthplanfinder will be responsible for creating the networks of providers available to their customers. On Washington Healthplanfinder, you’ll be able to sort plans by provider – so you can choose a plan that allows you to continue using your current provider.

What if I’ve never had health insurance before, or have been without coverage for a while?

Washington Healthplanfinder will allow you to find, compare and enroll in a health insurance plan that meets you and your family’s needs, regardless of whether you have a pre-existing medical condition or have been without health insurance before.

What if I need help choosing a health plan offered through Washington Healthplanfinder?

Help will be offered online, over the phone and in person for those who need additional assistance choosing and enrolling in a health plan. Stay tuned for more information about our certified “in-person assisters” who will be able to provide in-person assistance in your local community.

What types of health insurance plans will be offered on Washington Healthplanfinder?

Washington Healthplanfinder will offer Qualified Health Plans (QHPs) that are guaranteed to provide essential health benefits, such as regular check-ups and maternity care, as required by the Affordable Care Act. These plans will be offered in categories based on the percentage of expenses covered by the health plan. Washington Healthplanfinder QHPs will be just as good as any other plan on the open market, even if you are not eligible for a subsidy. Health insurance companies may not charge a different price for health plans whether they are offered through Washington Healthplanfinder or on the private market.