Health Quote

Washington Health Insurance Quotes

2017 Individual plan options in the State of Washington are getting smaller. For non-exchange plans in 2017 there are five companies offering plans. Asuris, GroupHealth, Kaiser Permanente, Regence Blue Shield and Regence BlueCross BlueShield of Oregon. There will be counties where there are not any plans being offered. We only work with companies only offering plans outside of the exchange.

Please click here to view the list of Qualifying Events.

Here is a link to our quoter for non-subsidized health plans: Run A Quote Now

If you believe you are eligible for a subsidy (help with the cost of the plan), please go to the Washington Exchange for assistance.

SUBSIDY and EXCHANGE PREMIUMS:

Your income and number of family members is used to determine if you qualify for a subsidy or tax credit. Please refer to the chart below to determine your Federal Poverty Level (FPL).

If you are below 150% FPL, the word MEDICAID will appear in the Subsidy column since you are close to the 138% FPL limit. Check with the state to see if you qualify for Medicaid and/or other government programs.

If you are between 150% FPL and 300% FPL, the maximum premium you will pay for health insurance is calculated for the whole family first.

  • Any of your children 18 and under will be given an option to enroll in Apple Health for up to $30 or purchase an individual policy on their own outside the Exchange and are not included in calculating the premium for the family.
  • The full premium will be calculated for the parent or parents and all children 18 and older. In no case will you be charged for more than three children in the 0 to 20 age range, but will be charged for all children 21 and older. If the full premium is greater than the maximum premium, your subsidy will equal the difference. If not, there will be no subsidy shown.
  • Your subsidy is the difference between the maximum premium for your income and family size and the second lowest cost Silver plan in your area. This amount will be shown in the Subsidy column and is subtracted from the full premium to determine the Exchange premium.

If you are between 300% FPL and 400% FPL, the full family is used in all calculations and children will be included on your policy. The subsidy amount will be shown in the subsidy column and the amount remaining for you to pay is shown in the Exchange Premium column.

If you are at or above 400% FPL, the Subsidy column will be blank or show a zero indicating you do not qualify for a subsidy and can purchase directly from your agent.

Catastrophic plans are only for those under age 30 or certified as exempt from the mandate by an exchange. They are shown as Agent Only since there are no subsidies or other advantages in using the exchange.

Federal Poverty Level (FPL)brackets used in the Affordable Care Act (ACA) known as the Health Reform Law and corresponding Maximum Monthly Premiums allowed based on Income for the purchase of the second lowest cost Silver Plan. A Silver Plan is designed to cover 70% of your medical costs with the remaining 30% to be paid by you. 2013 Data.

2014 Federal Poverty Levels Based on Number of family members

FPL Range Limit 1 2 3 4 5 6 7 8 Each Additional Family Member
100 % $11,770 $15,930 $20,290 $24,250 $28,410 $32,570 $36,730 $40,890 $4,160
138 % $16,242 $21,983 $28,000 $33,465 $39,205 $44,946 $50,687 $56,428 $5,740
150 % $17,655 $23,895 $30,435 $36,375 $42,615 $48,855 $55,095 $61,335 $6,240
200 % $23,540 $31,860 $40,580 $48,500 $56,820 $65,140 $73,460 $81,780 $8,320
250 % $29,425 $39,825 $50,725 $60,625 $71,025 $81,425 $91,825 $102,225 $10,400
300 % $35,310 $47,790 $60,870 $72,750 $85,230 $97,710 $110,190 $122,670 $12,480
400 % $47,080 $63,720 $81,160 $97,000 $113,640 $130,280 $146,920 $163,560 $16,640

Maximum Monthly Premium for 2nd Lowest Cost Silver Plan by Family Size

FPL Range Limit 1 2 3 4 5 6 7 8 Each Additional Family Member Premium Limit
100% Medicaid Medicaid Medicaid Medicaid Medicaid Medicaid Medicaid Medicaid Medicaid 2.00%
138% Medicaid Medicaid Medicaid Medicaid Medicaid Medicaid Medicaid Medicaid Medicaid 3.00%
150 % $58 $79 $101 $121 $142 $162 $183 $204 $20 4.00 %
200 % $123 $167 $213 $254 $298 $341 $385 $429 $43 6.30 %
250 % $197 $267 $340 $406 $476 $546 $615 $685 $69 8.05 %
300 % $279 $378 $481 $575 $674 $773 $872 $971 $98 9.50 %
400 % $372 $504 $642 $767 $899 $1,031 $1,163 $1,294 $131 9.50 %