If you buy an insurance plan on the Washington Healthplanfinder or the Healthcare.gov exchange, you may qualify for tax credits or subsidies. If you buy outside the exchange, you do not. To learn more, visit Washington Office of the Insurance Commissioner’s website.
Since all Americans are required to have health insurance, the Health Insurance Marketplace was designed to meet that requirement. The Marketplace (also called an Exchange) is a one-stop shop to find, compare and buy private health insurance options.
Washington state’s exchange is called Washington Healthplanfinder.
If you live outside of Washington, go to Healthcare.gov to learn how to enroll in a health plan.
The amount you owe (out-of-pocket cost) depends on the insurance plan you have. Your cost is determined by your co-pay, co-insurance, individual and family deductible amounts, as well as the type of services your child receives. Contact your insurance to learn what is covered on your plan. If you’d like an estimate, we can help, but we need some additional information from you and your insurance company. Learn more.
For more information about how insurance coverage works, see our resources page.
You are the best advocate for your child. We encourage you to call the Office of the Insurance Commissioner (OIC) with concerns; the providers your insurance recommends; the timeframe for getting a response; or anything else about your health insurance. The OIC oversees the insurance industry and protects you as an insurance consumer.
When comparing, consider these things:
In faith-based health cooperatives, members make monthly payments, similar to an insurance premium. Then, when members get medical bills, they get money from the cooperative. It is not insurance, but is considered an alternative to insurance and can be used to avoid health insurance penalties. The two most common are Samaritan Ministries and Medi-Share.
Faith-based health cooperatives may not cover pre-existing conditions. Also, there may be limits on how much is covered for each episode of care.
If you belong to a faith-based cooperative, you can apply for Seattle Children’s Financial Assistance; however, we cannot approve financial assistance until we have determined you are not eligible for Apple Health (Medicaid).
Billing and Insurance
Financial Assistance, Medicaid and Health Insurance Exchange