You can apply for a CHNW Cascade Select individual or family health insurance plan as long as you’re not yet eligible for Medicare (age 65+ or with certain disabilities) and you live in our plan coverage area.
You may be eligible for lower premiums and health care costs through the American Rescue Plan Act (ARPA).
ARPA includes measures that raise income eligibility for reduced-cost premiums on health insurance plans purchased through Washington Healthplanfinder, the online marketplace run by the Washington Health Benefit Exchange.
- Don’t have health insurance and hesitant to enroll in a health plan because of premium costs? This is a good time to check again. You could qualify for more help paying your monthly premium than you did before.
- If you already have health coverage through Washington Healthplanfinder, ARPA may help you to afford another plan (with the same carrier) that has more benefits and even $0 premiums.
- It’s not just lower premiums. You could save money on health care down the line through the cost-sharing subsidies offered on Silver plans. These subsidies lower the amount you pay when you visit your doctor.
To take advantage of possible lower premiums, make sure your income information is up to date in Washington Healthplanfinder.
Enroll now during Washington’s Special Enrollment Period!
Due to the COVID-19 health emergency, the State of Washington is offering additional time for people to enroll in health insurance plans through Washington Healthplanfinder, the online marketplace operated by the Washington Health Benefit Exchange (WAHBE). The Special Enrollment Period is 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.
Qualifying events can happen all year round
In addition, certain life changes or special circumstances may qualify you for the 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.
Tax credits: 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. (Note: ARPA extended eligibility for health insurance subsidies to people buying their own health coverage on the Marketplace who have incomes over 400% of poverty. The law also increased the amount of financial assistance for people at lower incomes who were already eligible for subsidies. Both provisions are temporary, lasting for two years, retroactive to January 1, 2021. )
Cost-share Reductions: 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.
Medicaid: 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.