Looking for Health Insurance?

There are only two kinds of health insurance: Group and Individual. Most of this site relates to individual health insurance. Find information about group coverage on our Small Business Coverage page.

Group versus Individual Health Insurance

• Each has a set of rules and benefits.
• Let our 25 years of experience help you find the best plan.
• Health insurance carriers pay our fee to help you.
• As independent agents we represent several carriers.

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About Individual Health Insurance

Individual health insurance is the most flexible and powerful financial safety net for your dollar! For a small monthly premium each insured has access to a $2 million dollars policy per person per year. Can you imagine socking away a couple of million dollars in your lifetime let alone every year?

Individual Health Insurance Benefits

• Illness and disease
• Preventative and wellness care
• Annual exams and screenings
• Pregnancy/well baby
• Automobile accident injuries
• Slip and fall injuries

What kind of health insurance works best for you?

Learn how to apply for individual health insurance (pdf) >>

Do You Currently have COBRA?

• You have 90 days from when your COBRA exhausts to select a new policy to receive a seamless transition into another plan.
• If you have exhausted your COBRA benefits and/or were declined that coverage, you may not have to complete the health questionnaire.
• Know that children under 19 do not have to go through underwriting but they are also restricted as to when they can apply for individual coverage.
• For More Details: www.wship.org/shq.asp
  
  

About COBRA (pdf) >>

Individual Underwriting Rules (pdf) >>

Washington State Mandated Health Insurance Benefits (pdf) >>

Washington State Patient Bill of Rights (pdf) >>