I’ve heard a lot about healthcare insurance changes. How do they affect me?

As part of the Affordable Care Act, all Americans must have health insurance.

What are the options for purchasing health insurance for my child?

If you buy on the Exchange, you qualify for tax credits or subsidies. If you buy outside the Exchange, you do not. To learn more, visit Where can I buy a health plan? on the website of the Washington Office of the Insurance Commissioner.

What is a Health Insurance Exchange?

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.

Which insurance plans include Seattle Children’s?

What can I do if my insurance plan doesn’t cover Seattle Children’s, I was denied coverage or I am unhappy with my insurance?

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.

Why is Seattle Children’s not a provider on all plans?

We are a provider with many plans. Despite our best efforts, we have found that some companies have chosen not to contract with us.

Our hope is that all health insurance plans will cover Seattle Children’s, so we can serve your child and all Washington families.

I’m an adult patient at Seattle Children’s. How do I get coverage?

Contact our financial counselors at 206-987-3333, and they will help you.

What if my child is seen at Seattle Children’s and does not have insurance?

Contact our financial counselors at 206-987-3333, and they will help you.

What should I consider when comparing health insurance?

When comparing, consider these things:

  • What is covered?
  • What is my monthly cost?
  • What is my deductible?
  • What is my coinsurance and copay?
  • Which providers can I see with this plan?
  • What is the annual out-of-pocket maximum for in-network services and annual out-of-pocket maximum for out-of-network services?


For Affordable Care Act information including the following, visit Healthcare.gov.

  • Tax credits
  • Lowering premiums
  • Qualifying for Medicaid
  • Help enrolling
  • Help choosing a plan

More Information