Find an Individual & Family Plan

Preventive care, doctors’ visits, checkups, and support managing blood pressure and diabetes, are covered right away with all your options. If you expect to go to the doctor often, a plan with a higher monthly premium, but lower cost at the time of service, might be for you.

Emergencies happen. But, if you have medical needs you know about, or a condition that could create an emergency if not managed, it’s important to consider the cost of getting care.

Things like:

• An upcoming surgery
• A chronic condition that requires lab tests, regular doctors’ visits, and prescriptions – like diabetes
• Prescription drugs you take regularly

You might also consider how likely you are to have injuries or accidents.

For example, if you:

• Play contact sports, like soccer
• Have hobbies like mountain biking, or skiing
• Work a job that is very physical, or injuries are more common

And anything else that might increase the amount of care you might need.

When you need more care, you may consider a plan that pays for a bigger part of your medical services at the time of care, like a Gold plan.

All plans cover prescription drugs, but your share of the cost for prescription drugs depends on your plan and the type of drug. A Bronze plan would pay the least toward prescriptions, a Gold plan would pay the most. Learn more.

Financial help is available based on income, family size, plan type, and where someone lives. Savings could help lower your monthly costs (premium) and help with your total out-of-pocket costs (cost-share reductions).

There are three main types of financial assistance:

• Advanced Premium Tax Credits – Federal subsidies that lower your monthly premium.
• Cost-Sharing Reductions – Federal subsidies that lower your out-of-pocket costs. Available on Silver plan only.
• Cascade Care Savings – State subsidies that lower your monthly premium. Available on Gold and Silver plans only.

Cascade Care Savings from the state is available to anyone who qualifies based on income, regardless of immigration status.

Federal help, like premium tax credits and cost-share reductions are only available to U.S. citizens or lawfully present immigrants who meet qualifications. Learn more

American Indians and Alaska Natives (AI/AN) may be eligible for savings with any metal level, that could reduce some or all costs for those who qualify. Learn more.

Making sure you sign up for a health plan that fits your budget is important. It starts with knowing how much you will pay monthly, what’s covered by the plan, and understanding deductibles, coinsurance, and copayments. Learn more

CHPW’s network is made up of 1,470 primary care providers and over 9,700 medical specialists. With CHPW Individual & Family Plans, you choose an in-network Primary Care Provider (PCP) CHC clinic to get your medical care. Check to see if your doctor is in-network  or learn more about choosing a primary care provider with CHPW.

When you apply for a plan on Healthplanfinder and provide your income information, you will be directed to an Apple Health plan, if you do qualify. We can also help you check.

If you don’t qualify for Apple Health, you may still qualify for savings on a low-cost Individual & Family plan. To get help, contact our team at 1-833-993-0181 (TTY:711) 8:00 a.m. and 5:00 p.m., Monday through Friday.

Your total cost of health care could be less with the plan your employer offers. Or you may find an Individual & Family plan is better for you.

If your employer-provided plan costs more than 9.5% of your salary, you may be eligible for an Individual and Family plan.

Consider:

• Does your employer pay some or all of the monthly premium?
• Does the plan offer care and services before you meet your deductible?
• Will you use all the benefits included in your employer plan?

Note: A job change counts as an event that would let you sign up for (or change) health plans, outside of the scheduled time each year everyone starts or switches plans (open enrollment).