Reader’s Question:

How else can I get cheaper health insurance coverage in Seattle without enrolling in group health insurance coverage?

Trish

Seattle, WA

Thanks for asking, Trish.

It is generally more expensive for you to get individual health insurance policy in Seattle than if you get a coverage from a group health insurance. However, if you have no access to a group health insurance coverage, you don’t have to run into buying individual health insurance policy right away. There are still many options that you can do. For one, you can get coverage for medical expenses protection through COBRA benefits if you leave a job which gave health benefits. Remember that our federal law allows you to continue being covered under your employer’s group plan for 18 months or longer. This is intended for transitions while try to find the right individual health insurance coverage. However, you will have to pay the full expense. HIPAA is another federal law which can help you if you don’t really qualify for COBRA.

I you are self employed, some states would allow you to purchase health insurance into the small group market, which can give you adequate protection at cheaper rates than that of individual health insurance policies. On top of that, you will also receive tax advantages related to your health insurance which you will not get in the individual health insurance market place.

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