Washington State Health Insurance Plan (WSHIP)

→ Click here to view WSHIP rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the Washington State Health Insurance Plan (WSHIP). Note:

• WSHIP prohibits pre-existing condition exclusion periods and elimination riders
• WSHIP is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Washington, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does WSHIP coverage cost?

WSHIP charges different rates based on the plan chosen, area of residence, age and gender. WSHIP standard risk rate premiums are capped at 200% of what a healthy person would pay; WSHIP preferred provider plan premiums are capped at 125%. Click here to view WSHIP rates.

WSHIP Coverage Highlights

• $2 million lifetime maximum benefit
• $250,000 lifetime limit on organ transplants
• WHIP offers both Indemnity & PPO plans:
  • Indemnity Plan 1: deductibles of $500, $1000 or $1500; see WSHIP Indemnity
  • PPO Plan 3: deductibles of $500, $1000, $2500 or $5000; see WSHIP PPO
• Benefits include hospital and physician services, prescription drugs, lab & x-ray tests & maternity
• To view more information, view the WSHIP Plan Summary

How can I be insured with WSHIP?

For enrollment information, visit the Washington Comprehensive Health Association online at www.wship.org, or call (800) 877-5187.

Special insurance for children: CHIP

A family of four making up to $51,636 a year may be eligible for CHIP.

• Do you qualify? Visit Eligibility
• To discover what’s covered view Benefits Information
• Questions? View their FAQs, or call (800) 562-3022