Individual Health Insurance in Washington
The Evergreen State is home to 6.2 million Americans and the number grows by 81,700 each year, all newborns. Thirteen percent of all Washington residents do not have a health plan and many others don't have enough to cover their medical expenses. As there is such a wide range of health insurance policies and add-ons available, people living in Washington have a good chance of finding the plan that is right for them.
Health Facts in Washington
A lack of health insurance is hardest on Washington's most vulnerable residents. About 29 percent of new mothers in Washington don't get the prenatal care they need to ensure a healthy, safe delivery. Consequently, more than 5000 babies, or about 6 percent are born each year with a low birth weight and another 10 percent are born prematurely. Only 77 percent of children under the age of 3 get the immunizations they need, 11 percent of kids between the ages of 10 and 17 are overweight and 40 percent didn't get to see both a dentist and a primary care physician last year. A simple health insurance plan would cover most of the above expenses.
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Health Insurance Needs in Washington
Regular checkups and medical care are a must for Washington residents. Currently, 6 percent of adults in Washington are diagnosed with diabetes, 14 percent have asthma, 56 percent are overweight or obese and 17 percent are smokers. Chronic health conditions should be monitored with regular check ups to ensure they do not become serious health threats.
Washington Health Insurance Laws
Washington law allows insurance companies to deny coverage due to a health problem with a few exceptions. Newborn, adopted and disabled children are guaranteed coverage under individual health policies. Applicants denied coverage can seek assistance from Washington Health Insurance Pool. Insurance companies that have reached their maximum number of enrollees are not required to offer you a plan. Pre-existing conditions can be excluded for a maximum period of 9 months. Pregnancy qualifies as a pre-existing condition. There are some regulations limiting premium prices. Your policy can not be cancelled because you become sick.
Individual Health Insurance Companies in Washington
American Family Insurance
Assurant Health
Group Health Cooperative
LifeWise Health Plan of Washington
Premera Blue Cross of Washington
Regence Blue Shield of Washington
Security Life
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