Application Quick Tips
Reminder: Open Enrollment for Qualified Health Plans ends on Feb. 15. The deadline for new and renewing customers to select and pay for a Qualified Health Plan through Washington Healthplanfinder is 9:59 p.m. on Feb. 15 for coverage that begins on March 1, 2015. Due to Federal Data Services maintenance, Washington Healthplanfinder will be unavailable starting 10 p.m. on Sunday, Feb. 15. We encourage customers to not wait to the last minute and get covered soon!
Those who are eligible for Washington Apple Health (Medicaid) and those enrolling through Washington Healthplanfinder Business can enroll year-round.
Top 6 Trending Questions:
Last revised 1/27/15
1. For new and renewing customers, what is the deadline for Washington Healthplanfinder Qualified Health Plan coverage?
Qualified Health Plan Open Enrollment is Nov. 15, 2014 to Feb. 15, 2015
4:59 p.m. Tuesday, Dec. 23, 2014 Payment deadline for coverage effective Jan. 1, 2015
4:59 p.m. Friday, Jan. 23, 2015 Payment deadline for coverage effective Feb. 1, 2015
9:59 p.m. Sunday, Feb. 15, 2015 Payment deadline for coverage effective Mar. 1, 2015
Please note that ongoing payments are due by the 23rd of the month prior to coverage.
2. I experienced a technical issue, delay, or other problem with my Healthplanfinder application before Dec. 23. What can I do to get new or renewed coverage starting Jan. 1, 2015?
Customers who received incorrect eligibility determinations and experienced barriers to renewal, payment problems, and other issues preventing them from finalizing payment by 4:59 p.m. on Dec. 23 may still be eligible to receive Jan. 1, 2015 coverage. This includes but is not limited to customers who received delayed notice of the renewal process, or did not know that they needed to take action to renew coverage, as well as customers whose decision to apply was affected by recent clarification that past premium balances do not need to be paid before receiving 2015 coverage.
Customers who made an effort to receive health coverage through wahealthplanfinder.org before 4:59 p.m. on Dec. 23, 2014 will receive notifications outlining any important steps to bypass or fix errors affecting their application.
If you would like to request Jan. 1 coverage, please call Washington Healthplanfinder Customer Support at 1-855-923-4633 Monday – Friday 7:30 a.m. to 8 p.m. You must make your request by 4:59 p.m. on February 23, 2015.
Customers should also be aware of the following important information when seeking services immediately in the New Year:
- There may be a delay between when a customer completes their enrollment in Healthplanfinder and when they are shown as fully enrolled with their newly selected health plan.
- Although coverage is effective on Jan. 1 for those who are eligible for retroactive Jan. 1 coverage, customers may not receive health plan ID cards or other plan information until later. This may impact customers seeking medical or prescription services before their ID cards arrive.
- Customers may be required to pay the full cost of treatment or prescription medications they receive if the provider cannot verify coverage. However, they will be entitled to reimbursement for covered services from covered providers in their health plan once their application is complete.
- Customers may contact their health plan with any questions about how to use their benefits before they receive their ID card.
If you were covered by a Qualified Health Plan in 2014 through Washington Healthplanfinder, you will receive an important tax return document called the 1095-A: Health Insurance Marketplace Statement. Customers' 1095-A statements are expected to be mailed in waves starting late January - Most customers can expect to receive their 1095-A the first week of February from Washington Healthplanfinder.
If you want to claim Premium Tax Credits (PTC) or if you took Advanced Premium Tax Credits (APTC), you will need to use the information on your 1095-A to complete the IRS Form 8962: Premium Tax Credit. You must file an income tax return and attach Form 8962. You will need to file your federal taxes using the IRS Form 1040, Form 1040A, or Form 1040NR. You cannot file with Form 1040 EZ.
If you have more questions about this process, please contact a tax professional, broker, your local library, or the IRS. More information can also be found at www.wahbexchange.org/1095A.
4. What if I forgot my Washington Healthplanfinder password or username?
To get your password, click on “Forgot your password?” from the Washington Healthplanfinder homepage in the Sign In box. You will be prompted to enter your username and answer one of the security questions that you established when you set up your account. After correctly answering the question, Washington Healthplanfinder will allow you access to your account.
To get your username, click on “Forgot your username?” from the Washington Healthplanfinder homepage in the Sign In box. Washington Healthplanfinder will send you an email with your username so that you can log back into your account.
If you tried to reset your username or password yourself and still need help, contact Washington Healthplanfinder Customer Support at 1-855-923-4633.
5. I received an “Open Enrollment Renewal” letter from Washington Healthplanfinder. What do I need to do?
You should read your letter carefully. You can renew your insurance coverage starting November 15 until February 15. Depending on whether you are eligible for auto renewal or manual renewal, you may have some steps to take online. Sign in to your Washington Healthplanfinder account and select “View Anticipated Eligibility Results” or "Update my Application and Renew Coverage." Follow on-screen instructions and prompts.
Here’s a list of terms and their definitions that you may find in the letter:
- Anticipated Eligibility: Based on the current information in your Washington Healthplanfinder application, this is the coverage you qualify for in 2015. This could be a Qualified Health Plan with any cost-sharing reductions and health insurance premium tax credits or coverage through Washington Apple Health.
- Auto Renewal: When you signed up for health coverage through Washington Healthplanfinder, you had the option to check a box on the “Primary Applicant’s eSignature” screen which stated that you “authorize Washington Healthplanfinder to obtain updated federal tax information for a period no more than five years.” This allows Washington Healthplanfinder to make it easy for you to keep your coverage from year to year. Based on your anticipated eligibility in your Open Enrollment Renewal letter, your coverage will be renewed even if you do not take any action.
- CSR: Cost Sharing Reductions: If you are eligible, cost sharing reductions lower your costs of
Washington Healthplanfinder Qualified Health Plan copays, coinsurance and/or deductibles.
- HIPTC: Health Insurance Premium Tax Credits: Also known as an advanced premium tax credit, this tax credit can be used to lower your health insurance premium costs. Your eligibility for this reduction, and the amount you could receive, are based on your income.
- Open Enrollment: The time of year when you can enroll in a Qualified Health Plan. For 2015 coverage, the Qualified Health Plan Open Enrollment Period is November 15, 2014 – February 15, 2015. Washington Apple Health enrollment is year-round.
- Opt-Out: The option to not renew 2015 coverage. If you change your mind, you have until February 15, 2015 to select and pay for a health plan (this is the last day of Qualified Health Plan Open Enrollment for 2015 coverage).
6. I received my "Open Enrollment Renewal" letter. My health insurance premium tax credit is less this year than it was last year. Why?
The amount of tax credit you are eligible for is based on the most recent information you provided in your Washington Healthplanfinder application. Your tax credit amount is based on your family size and income as well as the rate for the second lowest cost Silver plan in the area you live in. You pay the difference between the advanced amount of tax credit you elect and the monthly premium of the health plan you choose. If you are eligible for autorenewal (to continue the same coverage you had in 2014 in 2015), you could save money by shopping and checking out the new options available through Washington Healthplanfinder.
- How to use wahealthplanfinder.org
- Checklist for Free and Low-Cost Health Insurance Application
- Tips for Buying a Qualified Health Plan
- Special Enrollment Request Form
For additional application FAQs, click here.
- Check out the Contact Us page.
- Call our toll-free Customer Support Center at 1-855-923-4633, Monday-Friday 7:30 a.m. - 8 p.m.
- Contact a Navigator/In-Person Assister or insurance broker who can help you fill out a paper application. You can view our community organizations by clicking here.