Find the Best Plan to Fit Your Needs
Teaming Up to Give You the Best Choices.
John & Ann Gridley
Choosing the best health insurance plan for you, your children, or family has never been easier. Our First Choice Health Insurance team wanted our clients to see firsthand that they were getting the best medical plan to fit their needs, and budget. So in 2002 John set out to design a website that would provide a convenient timesaving benefit comparison of available plans whether you live in Seattle, or in a small rural area in Washington.
One of the largest selections of individual Washington health insurance plans on a single website. Choose from companies such as Regence, Kaiser Permanente, Asuris, and Group Health. Call one of our knowledgeable agents for assistance in choosing a health plan, or explore these plans now, get quotes, and apply online.
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Check Out Our Convenient Timesaving Benefit Comparison by Answering a Few Questions Below!
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
to determine your Federal Poverty Level (FPL). *Note: In case of triplets please call for quote.
If you are below 138% FPL, the word MEDICAID will appear in the Subsidy column. Individuals or families with income at or below 138% of the federal poverty line should apply directly with your State Exchange as you may be eligible for Medicaid or other state assistance programs.
If you are between 138% 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.
What is Individual Health Insurance Coverage in Washington State? How Do I Find Help In Choosing The Right Plan For Me?
Washington State individual health insurance coverage is classified in two categories: comprehensive or catastrophic health care. Comprehensive coverage is characterized by lower deductibles and more complete benefit packages. Catastrophic coverage refers to higher deductible plans with certain benefits, like maternity, excluded. Both are considered major medical insurance policies since the insurance company assumes essentially all the risks after you meet your deductible and your percentage of shared expenses (co-insurance). Family insurance is simply an individual policy with more than one insured member of the family included in the application and coverage.
Individual plans are available is several designs and deductibles allowing you to choose options to keep your health care plan affordable. Generally if you purchase a policy that costs less in monthly premium, you will usually end up paying a greater share of the medical expenses when you are sick or hurt.
Some individual health insurance plans are managed care plans. This means you are required to use the plan doctors and clinic facilities. Most health insurance plans in Washington are Preferred Provider (PPO) plans. You receive the maximum benefit if you stay within the plan’s provider network, (physicians, hospitals, other medical providers). These providers have agreed to the insurance plan's schedule of payments for services performed. PPO plans usually allow you to receive healthcare services outside their network of providers, but at an additional cost to you. Some plans may require the selection of a Primary Care Physician (PCP), a personal physician who directs all your care and who's written referral you need prior to visiting a specialist.