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Individual Health Insurance

What you need to know about
health insurance for yourself
and family.

 

Individual health insurance is offered by the companies shown below. The policies offered are intended to provide permanent coverage (over 185 days), but can also be purchased for as little as one month. Scroll down this page for highlights of the plans offered. Click on a company's logo or name at the left for links to benefit summaries, rates and other details.

If you have a need for only temporary coverage (30 to 365 days), you may also want to consider a special type of policy called Short Term Medical, which is an affordable alternative to COBRA or other continuation of coverage available under a former employer's plan, particularly if you don't have pre-existing conditions. This type of policy can often be 25% or more less expensive than a permanent individual medical plan. Click here to view information about Short Term Medical insurance.
 

 

 

LifeWise Health Plan of Washington

  • Available to residents of all 39 Washington State counties
  • All plans are Preferred Provider (PPO) plans, so no Primary Care Physician (PCP) is needed and no referrals are required
  • Large choice of providers (click here for provider directory)
  • Annual deductible: $0 to $3,500
  • Office visits: no deductible (WiseChoices plan) or no deductible for first 6 office visits per person, per calendar year (WiseEssentials plan)
  • HSA (Health Savings Account)-qualified plans available with $1,750 or $3,000 individual deductible (single person), and $3,500 or $6,000 aggregate family deductible (2 or more individuals enrolled)
  • Network benefit: 80%, 75% or 70% depending on plan
  • Preventive care: covered (no deductible)
  • Prescription drugs: covered (WiseChoices plan only); other plans have discounts available at participating pharmacies
  • Maternity: covered (WiseChoices plan only)
  • Vision exam, lenses and frames: covered (WiseChoices plan only)
  • Worldwide coverage – 50% coverage outside Washington State (except in case of emergency)
  • Click here to examine LifeWise's plans in detail: eligibility, benefits, rates, limitations and exclusions.


Regence BlueShield                                                                                    

  • Available to residents of 22 western and eastern Washington State counties (click here to see where offered).
  • PPO and Point of Service (POS) plans
  • Large choice of providers (click here for provider directory; in the "Plan:" drop-down box of the directory, choose either "Selections" or "Preferred" (PPO) depending on the plan in which you're interested; if searching for only "Selections" PCPs, be sure to check the box shown next to "Search for PCPs Only")
  • Annual deductible: $500 to $5,000
  • Office visits: no deductible and 100% coverage (after a per-visit copay) in Breakthru 80 and Breakthru 70 plans
  • HSA-qualified plans available with $1,500, $2,500 or $3,500 individual deductible (single person), and $3,000, $5,000 or $7,000 aggregate family deductible (2 or more individuals enrolled)
  • Network benefit: 80%, 70% or 50% depending on plan
  • Preventive care: covered (no deductible; all plans except Catastrophic and Breakthru 50 plans)
  • Prescription drugs: covered (Breakthru 80, Breakthru 70 & Regence HSA Healthplan Comprehensive plans only)
  • Maternity: covered (Breakthru 80, Breakthru 70 & Regence HSA Healthplan Comprehensive plans only)
  • Vision exam, lenses and frames: covered (Breakthru 80 and 70 plans only)
  • Worldwide coverage – Preferred Provider level of coverage in the USA if using a PPO provider of the local Blue Cross/Blue Shield plan; Preferred Provider level of coverage outside the USA in case of emergency
  • Click here to examine Regence BlueShield’s plans in detail: eligibility, benefits, rates, limitations and exclusions.


Asuris Northwest Health                                                                         

  • Available to residents of 16 eastern Washington State counties (click here to see where offered).
  • PPO plans
  • Large choice of providers (click here for provider directory; in the "Plan:" drop-down box choose "Asuris Preferred")
  • Annual deductible: $500 to $5,000
  • Office visits: no deductible and 100% coverage (after a per-visit copay) in Clarity 80 and Clarity 70 plans
  • HSA-qualified plans available with $1,500, $2,500 or $3,500 individual deductible (single person), and $3,000, $5,000 or $7,000 aggregate family deductible (2 or more individuals enrolled)
  • Network benefit: 80%, 70% or 50% depending on plan
  • Preventive care: covered (no deductible; all plans except Catastrophic and Clarity 50 plans)
  • Prescription drugs: covered (Clarity 80, Clarity 70 & Asuris HSA Healthplan Comprehensive plans only)
  • Maternity: covered (Clarity 80, Clarity 70 & Asuris HSA Healthplan Comprehensive only)
  • Vision exam, lenses and frames: covered (Clarity 80 and 70 plans only)
  • Worldwide coverage – 80%
  • Click here to examine Asuris Northwest Health’s plans in detail: eligibility, benefits, rates, limitations and exclusions.


KPS Health Plans                                                                                          

  • Available to residents of all 39 Washington State counties
  • All plans are PPO plans
  • Large choice of providers (click here for provider directory)
  • Annual deductible: $1,000 to $5,150
  • Office visits: no deductible and 100% coverage after $30 per-visit copay for first 3 visits per year (Essential Plus plan only)
  • HSA-qualified plan available with $1,750 or $2,600 individual deductible (single person), and $3,500 or $5,150 family aggregate deductible (2 or more individuals enrolled); available with or without prescription drug coverage
  • Benefit: 70% or 80%, depending on plan
  • Preventive care: covered (no deductible for most services)
  • Prescription drugs: covered (Sound Harbor Elite, Essential Plus (generic drugs only), and The Healthy Investor HSA with drug coverage); other plans have discounts available at participating pharmacies
  • Maternity: covered (Sound Harbor Elite plan only)
  • Vision exam: covered as part of Preventive Care benefit in all plans
  • Vision lenses and frames: not covered
  • Worldwide coverage in the case of an emergency
  • Click here to examine KPS Health Plans's plans in detail: eligibility, benefits, rates, limitations and exclusions.


Group Health Cooperative & Group Health                                      

  • Available to residents of 18 Washington State counties (click here to see where offered).
  • HMO plan provided by Group Health Cooperative, and Point of Service (POS) plans provided by Group Health Options, Inc., an affiliated company of Group Health Cooperative
  • HMO plan (Welcome plan), must use Group Health Cooperative providers (click here for provider directory; in the drop-down box choose "Group Health")
  • POS plans (Balance and HealthPays HSA plans), can use Group Health Cooperative along with Virginia Mason and Everett Clinic providers for in-network services, and any other provider for out-of-network services. Discounts available using out-of-network providers participating with First Choice Health and Beech Street networks (click here for provider directory; in the drop-down box choose "Alliant Plus" and then click on "Out-of-network providers" on the right side)
  • Annual deductible: $500 to $5,000
  • Office visits:
    Balance Plan - 100% coverage after $30 copay; in-network not subject to deductible; out-of-network after deductible is satisfied
    Welcome Plan - no deductible for 1st 5 office visits per year
  • Outpatient x-ray & lab:
    Balance Plan - 100% coverage; in-network not subject to deductible; out-of-network after deductible
    Welcome Plan - Welcome 500 plan includes first $500 per year paid in full
  • HSA-qualified plan (HealthPays HSA) available with $2,000 individual deductible (single person), and $4,000 aggregate family deductible (2 or more individuals enrolled)
  • Benefit: 80%, 70%, 60% or 50% depending on plan
  • Preventive Care: covered (not subject to the deductible)
  • Prescription drugs: covered (not subject to the deductible) in Balance 1000, Balance 1500 and Welcome 500 plans only
  • Maternity: covered in Balance 1000, Balance 1500 and Welcome 500 plans only
  • Vision exam and hardware: covered in all plans except HealthPays HSA
  • Worldwide coverage in the case of an emergency
  • Click here to examine Group Health Cooperative & Group Health Options, Inc.'s plans in detail: eligibility, benefits, rates, limitations and exclusions.