Young adults (18-to-24 years old) remained the least likely of any age group to have health insurance in 2003 - 30.2 percent of this group did not have health insurance.
Washington Family Health Insurance (WA)
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If an apple a day kept the doctor away, residents of Washington would have no need for family health insurance. Unfortunately, healthy living is sometimes not enough to quell life’s little surprises. The best way to protect the health and well-being of your family is to invest in one of Washington’s affordable and reliable family health insurance plans. The state has coupled its many family healthcare options with state regulations that further protect the rights of the patient. So, live for today while planning for tomorrow with one of the many family healthcare plans available to you in Washington.
Family Health Insurance Regulations in Washington (WA):
The state of Washington applies community rating, which means that premiums are equal within each plan type, and cannot be based on actuarial risk posed by an individual or group.
Group health insurance in Washinton cannot be denied based on a health problem, provided you are eligible for group coverage.
If you have life changes relating to family or job loss, you may be eligible for more opportunities for group coverage.
In Washington, a new employer can wait to offer group insurance.
In the presence of a pre-existing condition, insurance companies in the state of Washington can impose an exclusion period, the lengths of which vary with the type of plan.
For small group plans, the exclusion period is typically capped at 9 months, with insurance companies allowed a 6-month look-back on an member's medical records.
For its residents denied health coverage by traditional insurers, the state of Washington offers its insurance pool - the Washington State Health Insurance Risk Sharing Plan (HIRSP). This pool has no annual benefit limit, a lifetime cap of $1,000,000, no enrollment cap, and a built-in exclusion period of 6 months.
Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. Coverage and policies described on this site may not be available in all states.
