You can apply for a CHNW Cascade Select plan as long as you’re not yet eligible for Medicare (age 65+ or with certain disabilities) and you live in the CHNW plan coverage area.
Due to the COVID-19 health emergency, a Special Enrollment Period is now open from February 15, 2021 to August 15, 2021 for anyone seeking health coverage. Enroll by the 15th of the month for coverage starting the next month.
Certain life changes or special circumstances may qualify you for a Special Enrollment Period.
Examples of qualifying life events:
Adding a dependent or becoming a dependent
Losing other health coverage
(i.e., job loss, divorce, loss of Washington Apple Health coverage, etc.)
Permanently moving to Washington State, or to a new county within the state
See the WAHBE website for more information on Special Enrollment Periods and qualifying events.
Depending on how much you earn, you may qualify for financial help to reduce your premiums and out-of-pocket costs when you buy health insurance coverage through Washington Healthplanfinder. There are three main ways to get financial help.
A federal “premium tax credit” reduces your monthly premium payments for insurance plans purchased through health insurance marketplaces such as Washington Healthplanfinder. The tax credit is available to individuals and families with incomes between the federal poverty line and 400 percent of the federal poverty line. You’ll see if you’re eligible for tax credits when you apply for a plan through Healthplanfinder.
American Rescue Plan Act of 2021
Most people will see their insurance premiums payments go down, thanks to the new American Rescue Plan Act of 2021. This new act expands the existing tax credit program and provides additional assistance in 2021 for individuals receiving unemployment income. Beginning May 6, 2021 you’ll see the amount of increased tax credits available through though the American Rescue Plan Act when you apply for a plan through Healthplanfinder.
Some people who receive tax credits may also qualify for cost-share reductions. These reduce the amount you have to pay at the time you get health care, such as when you go to the doctor’s office or when you get lab tests. To qualify, your income must be below 250% of the federal poverty line, and you must choose a Silver plan*. When you fill out your application on Washington Healthplanfinder, the cost of each health plan you see will automatically include the amount of financial help you may qualify for.
People with lower incomes may qualify for free or low-cost coverage through Apple Health (Medicaid). Visit the Washington State Health Care Authority website for eligibility requirements. CHNW’s Cascade Select partner, Community Health Plan of Washington, contracts with the state to provide Apple Health coverage.
*American Indians and Alaska Natives can also qualify to get cost-sharing reductions when you enroll in a Bronze or Gold plan.
We know that every person and every situation is different. If you’re not sure which plan is right for you, reach out to one of our health plan experts. They can you help find coverage that best fits your health care needs. Our Cascade Select health plan experts are available at 1-833-993-0181 (TTY Relay: Dial 711) from 8 a.m. to 5 p.m., Monday through Friday.
Depending on your life situation, you may qualify for a different kind of health plan. CHNW’s Cascade Select partner, Community Health Plan of Washington, also offers these health plans:
People with lower incomes may qualify for free or low-cost coverage through Apple Health (Medicaid). CHNW’s Cascade Select partner, CHPW, contracts with the state to provide Apple Health coverage.
People who are 65 or older, or who have certain types of disabilities, may qualify for a CHPW Medicare Advantage plan. Some people may qualify for both Medicare and Apple Health (Medicaid) regardless of income.