The Open Enrollment Period (OEP) for individual and family coverage is only time you can enroll in or make changes to a health plan without a qualifying life event.
November 1st through December 15th for a January 1st effective date.
- Income changes made through November 15th will take effect December 1st.
- To have income updates take effect January 1st, changes must be submitted November 16th through December 15th.
December 16th through January 15th for a February 1st effective date.
We strongly encourage enrollment and changes to be made prior to the December 15th deadline for January 1st coverage. If a plan change is made for February 1st to a different carrier, any out-of-pocket costs applied toward the first plan would not carry over to the second plan. This increases your total exposure for the year.
This presentation is focused to enrollment through Washington Healthplanfinder. If you are enrolled on a Grandfathered or carrier direct plan, please contact our office to discuss in more detail.
American Rescue Plan Act: Many people have been receiving additional benefits under the American Rescue Plan Act (ARPA). Several of these benefits are scheduled to end upon plan renewal, though some will extend through 2022.
- Click here to visit the Washington State Benefits Exchange ARPA page
- Click here to visit the Healthcare.gov ARPA page
Ambetter: The Ambetter Essential Care 5, one of the most popular plans in our county, will no longer be available in 2022. Anyone enrolled on this plan will be mapped to the Essential Care 1, which will cause a significant reduction in benefits. Many people chose this plan for the upfront benefits, which are not offered on the Essential Care 1.
Unless you take Tier 3 or Tier 4 prescriptions, we suggest looking at the Ambetter Essential Care $0 Medical Deductible plan. This plan has similar upfront benefits to the 2021 Essential Care 5, but has a higher premium than the other bronze options. Since there is no deductible, services are offered at a fixed dollar copay. Be aware that it has a $3,800 deductible for Tier 3 and Tier 4 prescription drugs. The Ambetter Cascade Bronze also offers upfront benefits, though speciality office visits and lab apply to the deductible.
Ambetter Bronze SBCs
- Ambetter Essential Care 1
- Ambetter Essential Care $0 Medical Deductible
- Ambetter Cascade Bronze
*UPDATED Ambetter Provider Network: As of November 8th, Ambetter completed contracting with Virginia Mason and MultiCare for the 2022 plan year. This applies to their Qualified Health Plans (non-standardized) and Cascade (standardized) plans. It does NOT apply to their Cascade Select (public option) plans.
Regence will be offering Accountable Health networks in King and Pierce counties. If enrolling on a Regence plan in one of these counties, make sure you are selecting the desired network. The Individual & Family Network is their most robust network, and will continue to be offered in these counties.
*UPDATED Regence Provider Network: As of November 8th, Regence completed contracting with Virginia Mason, which includes primary care and speciality care providers under the St. Michaels/Virginia Mason medical system in Kitsap County.
Premera continues to offer the broadest network, but they are experiencing an overall rate increase of 17.9%. Anyone enrolled on Premera should weigh the benefits of the provider network against the increased cost.