Stacey Said:

WA, 26, preg. w/2 kids, spouse and I need affordable health insurance that has good coverage for kids and me?

We Answered:

As with most health insurance questions, a lot depends on your personal situation, and finding affordable health insurance while you’re pregnant can be difficult. Do you or your spouse have access to insurance through work? If you’re self-employed, you might be able to find insurance through a trade association or trade guild. In both cases, you would be part of a group health plan, which cannot consider pregnancy a pre-existing condition. There may be a waiting period before the plan will cover your medical bills, though. Washington does have a Pregnancy Medical Program and a First Steps Program, which offer health care and coverage for low-income families.

However, your best bet is to talk with local, WA-licensed health insurance agents. And I emphasize more than one because more agents working to earn your business means a better chance you’ll find the insurance policy that’s right for you and your family. MostChoice.com is a Web site that helps people interested in health insurance get in touch with state-licensed insurance agents. When you visit the site, you’ll also be able to view online rate quotes and policy descriptions from Washington insurance providers like Regence BlueCross BlueShield and Group Health Cooperative. Regence BCBS has a maternity program called “Special Beginnings” while Group Health Cooperative also offers maternity coverage.

So I’d visit MostChoice.com and have your questions ready for the agents that call you. There’s no cost or obligation, and your personal information is used only for the free quotes and to get you in touch with local area agents.

You can find it here: http://www.mostchoice.com/health-insuran…

Barnes@MostChoice.com

Neil Said:

What is the best Health Insurance in WA?

We Answered:

Health insurance is a commodity for healthy people,
find plenty of choices at e Health Insurance.
For dental the best program in WA is eHealthPlus.

Samantha Said:

How do I get health insurance for my LLC (sole prop) in WA and CA? ?

We Answered:

You have the option of purchasing individual health insurance (which will be the cheapest option if you are relatively healthy) or if you could get access to a group plan that will cover groups of one then you could purchase a group health plan (much more expensive but you will be accepted automatically even with health problems).

Your best bet is to shop around and compare quotes from at least 3-5 different health insurance companies. A good independent health insurance agent should be able to help you.

Here is some more information on finding the best self employed health insurance and also some information specifically on health insurance in CA and WA:

Derek Said:

How can I get health insurance in WA state?

We Answered:

Ms. Obsidianflowers,

Your concept of insurance is misguided. Purchasing "insurance" to cover a known upcoming health expense and then canceling the insurance right after the company pays for the procedure is not the way health insurance works. Insurance is purchased to cover unexpected accidents or illness.

What you are proposing is, pure and simple, cheating the people who do buy and pay for health insurance.

Ray Said:

What is the health insurance employer contribution percentage?

We Answered:

For MA: 33%
https://www.mahealthconnector.org/portal…

For CA: 50%
http://www.benefitscafe.com/group/mythbu…

Bobbie Said:

How to buy the Health insurance for out of state?

We Answered:

You cannot transfer the policy to WA so you'll need to visit a local agent. If you visit an independent agent you can shop the market to make sure you're getting the best deal. You do not need a driver's license to get the health policy.

Do not cancel your current insurance until you've been approved with the new policy. It will still work in WA for awhile although your co-pays will probably be higher.