Paul Zane Pilzer

  

  




State-by-State Guide to       

Individual/Family Health Insurance

 
Washington Office of the Ins. Comm.
(360) 725-7080
www.insurance.wa.gov/
Guaranteed Issue   
Community Rated   

WA



 

Average Cost for an Individual Policy Sold in 2004: $169/month*
(single, average age 35, healthy)
*From 82,000 policies sold nationally online in 2004, see first page of Appendix A.

Typical Healthy Individual/Family Coverage
 

Traditional Co-Pay
Policy*

HSA/High-Deductible
Policy*
  Single Family Single Family
Monthly Premium $167 $525 $98 $255
Annual Deductible $1,000 $4,000 $2,500 $5,000
Annual Out-of-Pocket Max $2,000 $6,000 $5,000 $10,000
Doctor Visit Co-Pay $15 $15 -- --
Prescription Co-Pay 50% 50% -- --
Lifetime Maximum $1 million $1 million $1 million $1 million
*Regence Blue Shield Selections Comprehensive Plan 1000; single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Olympia, WA 98501; quoted 5.3.05.
Regence Blue Shield Preferred Plan 2500/5000 Catastrophic (HSA Qualified); single applicant (M/35); family applicant (M/35), spouse (F/35), children (F/8, M/5) from Olympia, WA 98501; quoted 5.3.05.

State-Guaranteed Coverage for
People with Preexisting Conditions

Washington State Health Insurance Pool (WSHIP)*
Monthly Premium Annual Deductible Annual OOP Max Doctor Visit Co-Pay Prescription Co-Pay Lifetime Maximum
$384 $1,000 $1,650 20% $10-20 up to $850 $1 million

*WSHIP Plan 3 Network Plan $1,000 Deductible Plan Choice; single applicant (35); quoted 5.10.05 from www.wship.org/summary.asp.

Eligibility: (1) Resident of Washington, (2) rejected from other health coverage within the past 90 days, and (3) not enrolled in a public program that duplicates WSHIP's health benefits or resident of a county where individual health benefit plans aren't marketed to the general public, or (4) federally eligible.

HIPAA-eligible individuals: Applicants are guaranteed acceptance into WSHIP with no exclusions for preexisting conditions.

Excerpted from The New Health Insurance Solution

 
 
  ADDITIONAL RESOURCES FOR THE NEW HEALTH INSURANCE SOLUTION
   



New Health Insurance Solutions for individuals, families, self-employeds, and businesses.

  



View the basic chapter table, expanded topical table, and pdf table of contents.

  



View the html or download a pdf version of the October 2005 press release.

    



Read excerpts on each topic discussed in The New Health Insurance Solution.



Read full reviews of The New Health Insurance Solution by Newsweek, The Wall Street Journal, Forbes, etc.



Read selected portion of reviews by Newsweek, CNN, The Wall Street Journal, Forbes, etc.
   



Read endorsements of The New Health Insurance Solution.

  



View other books written by New York Times best-selling author Paul Zane Pilzer.

  



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