Low Cost Health Insurance in Washington

Although the number of uninsured residents of Washington State is increasing, including the numbers of children, the number is still significantly lower than the national average at almost 10 percent in 2004. However, any number of uninsured people is too high, and increases the need for low cost health insurance in Washington .

Some public policy makers in Washington have been working to give subsidies to low-income workers so they can afford health insurance. This policy is not expected to have a large impact, so Washington State is looking at other options, such as employer purchasing pools and market reform. Meanwhile, what can hardworking families do to get low cost Washington health insurance?

Ways to find low cost Health Insurance in Washington

You can visit the following website for detailed information pertaining to your county:www.insurance.wa.gov/publications/health/Navigating_Individual_Health_Care.pdf .Here you can find out who is offering individual insurance plans in Washington , as well as sample rates. The low cost individual health insurance plan may be a good choice for you if you want to avoid getting health insurance through your employer.

An affordable premium that brings you good health care is a number you need to determine after some research into different companies. Everyone's health situation is different. A younger and healthy person with no previous health problems will need less coverage than someone in a higher risk category. Women in Washington State may save money on health care thanks to the state's direct access law. This allows women to self-refer to health care providers, making low cost health insurance in Washington accessible.

When you apply for health insurance in Washington State , you are required to fill out a health questionnaire. You receive a number of points for every health issue, and if your score exceeds 287 you are referred to the state health insurance pool at www.wship.org .On the state web site above you can also look into plans sponsored by state and federal agencies for a low cost option.

The state insurance office cautions you when you consider “discount plans”. These are not state regulated and thus may not offer the same benefits as a regulated plan. This is not to say these plans cannot be helpful. Check the state's attorney general office at www.wa.gov/ago/ or the Better Business Bureau to check out individual plans.

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