Eligibility - Individual & Family Plan - by CHPW

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Eligibility

CHPW’s Individual & Family Cascade Select health plans are available through Washington Healthplanfinder, the state’s online health insurance marketplace website.

Am I Eligible?

You can apply for a CHPW Individual & Family health plan as long as you:

  • are not yet eligible for Medicare (age 65+ or with certain disabilities)
  • live in our plan coverage area
  • are a U.S. citizen or lawfully present immigrant

You might be interested in one of these plans if:

  • you are self-employed
  • you work a job (or several) that doesn’t offer medical insurance
  • you technically make too much to qualify for Medicaid

The annual open enrollment period for 2023 coverage is November 1, 2022 through January 15, 2023. However, you may be able to sign up outside of these dates if you qualify for a Special Enrollment Period.

You may qualify for a Special Enrollment Period at any time of year if you experience certain life changes or situations such as:

  • adding or becoming a dependent
  • job loss
  • losing other health coverage
  • permanently moving to Washington State or to a new county within the state

For more examples and how to apply, call us at 1-833-993-0181 (TTY: 711), 8 a.m. to 5 p.m., Monday through Friday, or visit wahealthplanfinder.org.

Financial help

Depending on how much you earn, you may qualify for financial help to reduce your premiums and out-of-pocket costs.

To find out if you’re eligible, call us at 1-833-993-0181 (TTY: 711), 8 a.m. and 5 p.m., Monday through Friday, or enter your application to view your results on Washington Healthplanfinder (also known as the Exchange).

Tax credits
A federal “premium tax credit” reduces your monthly premium payments for insurance plans purchased through health insurance marketplaces such as Washington Healthplanfinder. The tax credit is available to individuals and families with incomes between the federal poverty line and 400 percent of the federal poverty line. You’ll see if you’re eligible for tax credits when you apply for a plan through Healthplanfinder.
Cost-Share Reductions
Cost-share reduction is a type of financial help that lowers the amount you have to pay out of pocket at the time you get health care, such as when you go to the doctor’s office or when you get lab tests. To qualify, your income must be below 250% of the federal poverty line, and you must choose a Silver* plan. When you fill out your application on Healthplanfinder, the cost of each health plan you see will automatically include the amount of financial help you may qualify for.

*American Indians and Alaska Natives can also qualify to get cost-sharing reductions when they enroll in a Bronze or Gold plan.

Medicaid
Apple Health (Medicaid) provides free or low-cost coverage for people with lower incomes who meet certain eligibility criteria. Apple Health coverage is offered by Community Health Plan of Washington.

We’re here to help

Our local, licensed experts are available to discuss your coverage needs, answer questions, and help you enroll.

Call us at 1-833-993-0181 (TTY: 711), 8 a.m. and 5 p.m., Monday through Friday. Or request a call back and we’ll contact you.

Ready to Enroll?

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