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Washington health insurance alternatives: If you are unable to obtain health insurance coverage through your employer and live in the state of Washington, consider the following resources to assist with your health care needs: Washington Basic Health is for residents who don’t qualify for Medicaid but meet specific income guidelines. Monthly premiums are based on family size and can be quite affordable. Community Clinics provide health care based on a sliding fee schedule. For more detailed information on locations and services, please click the link below.
Washington State Health Insurance Pool (WSHIP) is an option if you were denied coverage due to a pre-existing health problem. A letter of denial from a private health insurance and HIPAA-eligibility are some of the qualifications.
If you are just concerned about getting coverage and your family falls within certain income guidelines, Washington State Children's Health Insurance Program (SCHIP) can provide highly affordable coverage for you.
Washington State Office of the Insurance Commissioner is responsible for regulating all insurance business in Washington and is an excellent resource. Be sure to view the consumer tab at www.insurance.wa.gov.
If you do not qualify for the low-cost/no-cost health insurance alternatives, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
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