Washington Health Insurance Washington residents have access to a variety of public health plans as part of the state’s legislative actions that established a health insurance pool (“Basic Health”) for residents who are unable to obtain coverage from traditional companies. But with the state’s huge increase in uninsured residents, there is a waiting list for new enrollees. New enrollees may bypass the waiting list if they meet a number of mandatory requirements.
With the fact that many of today’s businesses no longer offer health insurance to employees, individuals in Washington are suddenly finding themselves let go from jobs that offered group health insurance. As a Washington resident, individual health insurance is an affordable option you should consider. Your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage.
Group health insurance in Washington is sold to businesses and organizations that then provide coverage to their employees and members. These group and business health insurance plans are inexpensive when compared to individual or family coverage, because the cost of medical services can be spread among a larger group of people. Since the risk associated with small group health insurance is lower for the insurance company, they are also more willing to underwrite policies for those with pre-existing conditions.
Washington Family Health Insurance
Choosing quality, affordable health insurance in Washington can be difficult due to the range of plans available. With an increasing number of options and providers, it’s important to carefully compare policies and choose the one that is best for you and your family’s needs.
Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Family health insurance usually costs less than having a separate health insurance policy for each member of your family, since the financial risk to the insurer is spread between all family members in the plan. A family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.
Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance in Washington is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance.
When attending college in Washington, it is very important to have student health insurance. Many colleges and universities require proof of health insurance for students; even if yours does not, cheap student health insurance will probably end up paying for itself. While you may be young and healthy now, sudden illness and accidents can happen. In that case, you will be very happy if you have student health insurance. Don’t end up graduating with medical debt in addition to student loans!