Watch: 2026 Individual Medical Insurance Open Enrollment
Open Enrollment for individual medical insurance in Washington runs November 1 – January 15.
Request a Free QuoteOpen Enrollment Essentials for Washington Residents
It is that time of year again! Open Enrollment is your crucial window to manage your healthcare coverage:
New Enrollments
If you are currently uninsured, you can enroll in a medical insurance plan, and you cannot be refused.
Plan Changes
If you are already enrolled, you can switch plans or adjust your coverage levels.
WaHealthplanfinder.org Users
While coverage often automatically renews, log in to check for action items and verify that your income used for tax credits/subsidies is accurate so your coverage isn’t canceled accidentally.
Why Are Health Insurance Rates Rising So Dramatically?
This year, many policyholders are facing astronomical rate increases (up to 20% if you don’t qualify for subsidies). To understand why, we look at the Affordable Care Act (ACA), built on three core pillars:
1. Income-Based Subsidies
Earn less than 400% of the Federal Poverty Level (FPL) and receive immediate tax credits lowering your monthly payment. Uncle Sam absorbs the rate hikes!
2. No Pre-Existing Condition Restrictions
Coverage can’t be denied or restricted because of your health history.
3. Children Covered Until Age 26
Young adults can stay on a parent’s plan until they turn 26.
The Core Challenge
Insurance works because the healthy pay for the sick. However, healthy people often drop coverage until they fall ill, and every rate increase accelerates this cycle—leaving only those who need care, driving costs up further.
Protect Your Family Without Breaking the Bank
If you don’t qualify for subsidies and are facing heavy rate increases, you have viable alternatives to standard individual and family medical insurance:
Self-Employed & 1099 Workers
Small business owners, self-employed and 1099 workers: alternative plans require a brief medical questionnaire. If you are healthy, you can secure significantly lower rates.
Select Silver Plans
Willing to accept minor pre-existing condition restrictions and a $1M benefit limit? These plans protect your family and wallet for a fraction of standard ACA costs.
KonnectMD
An affordable safety net providing virtual healthcare and $1,000 in prescription drugs with a $0 copay, covering up to 7 people for as little as $60/month.
Find the Right Medical Plan for Your Family and Budget
Open Enrollment ends January 15 — don’t wait. Let’s find the ideal plan to protect your family and your budget this year. Get a free, no-obligation quote for Medical, Dental, Medicare, Life, Disability or Long-Term Care Insurance.
