Individual & family health insurance
If you need medical coverage in Washington State, you’ll enroll through wahealthplanfinder.org. We can help you compare plans and pick one that works for your household. There’s no charge.
How to enroll
Step 1 — Set up your account
Go to wahealthplanfinder.org and create an account. If you or someone in your family already made one in the past, don’t create a new one — call us and we’ll help you get back in.
You’ll need to list everyone in your tax filing household. You can mark each person as seeking coverage or not.
The application asks about income. If you want to find out whether you qualify for Apple Health (Medicaid) or a tax credit that lowers your monthly premium, say yes and enter income for each person. If you already know your income is too high for a tax credit, say no — it skips those questions and makes the application shorter. You can still claim the credit on your federal tax return either way.
Step 2 — Link your account to JBJ Insurance
On your home page, find “Request help from a Broker” under Quick Links. Search for:
- Last name: Johnson
- Zip code: 98002 or 98092
Follow the prompts to connect. No charge.
Step 3 — Pick a plan and check out
Browse plans and enroll before the deadline. You have to select a plan and go through checkout — browsing alone doesn’t enroll you. If you want help comparing plans or checking whether your doctors are in network, schedule a call with us.
Before you enroll
Networks are smaller than you might expect. Individual plans usually have narrower provider networks than employer plans, even from the same insurance company. Most use HMO or ACO networks, which means only emergency care is covered outside your area.
Rates don’t change based on where you buy. On-Exchange and off-Exchange pricing is about the same.
Open enrollment runs November 1 through December 31 for coverage starting January 1.
If you’re losing your current coverage, you have 60 days to enroll. After that, you wait until open enrollment — unless your household income is below 250% of the Federal Poverty Level, which lets you apply any month.
Other reasons you can enroll outside open enrollment:
- You lost employer or union coverage
- You moved from another state and had coverage there
- You got married or divorced
- Another qualifying life event
Income, Apple Health, and tax credits
Your household size and income determine two things:
- Apple Health — Washington’s Medicaid program. No monthly premium. Based on your income going forward, not past earnings.
- Premium tax credit — Lowers your monthly cost. Based on your expected income for the full calendar year.
Income thresholds follow federal poverty guidelines and change each year.
One thing to know: if anyone in your household is offered medical insurance through an employer or union, that person cannot get the premium tax credit — even if the offer is turned down.
Dental and vision
We sell individual dental plans through Delta Dental and vision plans through DeltaVision.