Individual & family health insurance

If you need medical coverage in Washington State, you'll enroll through wahealthplanfinder.org. I can help you compare plans and pick one that works for your household. There's no charge.

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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 me and I'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. That 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 Help or Quick Links. Search for:
Last nameJohnson
Zip code98002
Capitalization matters. Enter Johnson with a capital J. The search is case-sensitive, so lowercase “johnson” won't return a match.
Follow the prompts to connect. No charge.
Step 3: Pick a plan and check out
Browse plans and enroll before the deadline. Browsing alone doesn't enroll you. You have to select a plan and go through checkout. If you want help comparing plans or checking whether your doctors are in network, schedule a call with me.

Schedule a call

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 31for coverage starting January 1. It also continues through January 15 for coverage starting February 1.

If you're losing your current coverage,you have 60 days to enroll. After that, you wait until open enrollment. The exception is a household income 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:

Income thresholds follow federal poverty guidelines and change each year.

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.

If anyone in your household is offered medical insurance through an employer or union, that person cannot get the premium tax credit, even if they turn the offer down.

Dental & vision

I sell individual dental plans through Delta Dental and vision plans through DeltaVision.

See plans and pricing