• Assurant
• Blue Cross
• Health Net

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• Kaiser Permanente
• Regence BlueShield

• Medicare Advantage Insurance
• Blue Cross and Blue Shield
• LifeWise Health Plan

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• SecureHorizons by UnitedHealthcare
• Sterling Insurance
• Universal American
• WellCare

Employment-Based Washington Health Insurance Coverage

Employment-related coverage

If you are currently employed, you might qualify for the following types of health insurance plans:

Group plans

You may be able to obtain health benefits from an employer for yourself, your spouse, your domestic partner, and your dependents.

If you are enrolling in a group plan, you do not have to take the health screen questionnaire. Group plans cannot reject you based on your health. You may also be able to enroll a spouse, domestic partner, and other dependents outside of your employer's plan annual enrollment period. For more information, check with the plan's administrator or your human resource department. If you are self-employed and have at least one full-time employee, you may be eligible for a small group plan.

It's important to recognize that not all employer group plans are the same. If you recently changed plans, be sure to review all of the plan benefit information before you visit the doctor. Be sure you know which doctors you can visit, what is and isn't covered, and how much you will have to pay out-of-pocket.

Professional organizations and association plans

Sometimes professional organizations offer group health plans, such as the local realtor association or the chamber of commerce. Association plans are often accessible to people in a specific industry, professional group, or business association. You may also qualify for health insurance through a religious or fraternal organization.

Make sure you fully understand the exact level of benefits you are buying. While association plans are offered statewide, sometimes at very competitive rates, you should read the plan's limitations and exclusions before you enroll in it.

If you choose an association plan, you may want to think about buying riders (additional coverage) to the basic coverage to ensure a more complete package of benefits. It is also important to get benefit information in writing.