Written by Michelle Terhune
We want to help you make educated healthcare decisions. While this post may have links to lead generation forms, this won’t influence our writing. We adhere to strict editorial standards to provide the most accurate and unbiased information.
If you’re heading off to a college or university in The Evergreen State, have you made plans for health insurance? Maybe you’re wondering why you need insurance if you’re young and healthy. But even as a student, it’s important to understand your choices for health insurance in Washington. Learn more about available options and how to enroll.
What to Consider When Searching for Student Health Coverage in Washington
Here are the key factors for students in Washington:
Are you a resident?
In-state students may find it easier to stay on their parents’ plan or qualify for Washington-based coverage.
Dependent status?
If claimed as a dependent, you can stay on your parents’ plan until age 26. If you’re turning 26 soon, you may need to look into new coverage.
Stay on parents’ plan or get your own?
Remaining on a parent’s plan might be affordable, but you’ll only qualify for ACA subsidies if you purchase your own policy.
Cost vs. coverage tradeoff?
More benefits usually mean higher monthly costs. Choose a plan that fits your expected needs while staying within budget.
Skip insurance?
Risky—without insurance, one accident or illness could mean overwhelming bills.
How Do You Get Covered Under Your Parents’ Plan?
If you’re under 26, you can stay on your parents’ plan, whether you’re studying in-state or out-of-state.
Check for in-network providers near your school in Washington to avoid high costs.
Enrollment rules:
- ACA Marketplace plans: Add dependents during Open Enrollment or a Special Enrollment Period.
- Employer-sponsored plans: Similar enrollment rules apply.
How Do You Get Covered Through Your School in Washington?
While Washington schools don’t require insurance, some offer affordable academic health plans.
Examples:
- Western Washington University and Eastern Washington University: Offer school-sponsored plans with online enrollment available year-round.
- University of Washington: Offers plans for international students and graduate student appointees, but not for domestic undergraduates.
Check your school’s student health services website for eligibility and coverage details.
ACA Health Plans in Washington
The Affordable Care Act (ACA) allows you to buy coverage through Washington’s Health Benefit Exchange. These plans cover:
- Preventive care
- Emergency and outpatient services
- Mental health
- Prescription drugs
- Preexisting conditions
You may qualify for financial help. Use our ACA Subsidy Calculator to estimate your savings.
Metal tiers:
- Bronze: Lower monthly premiums, higher out-of-pocket costs.
- Silver: Moderate premiums, may qualify for cost-sharing reductions.
- Gold: Higher monthly premiums, lower out-of-pocket costs.
- Platinum: Highest premiums, lowest cost sharing (availability may vary).
Medicaid or CHIP in Washington
Medicaid, known as Apple Health in Washington, offers free or low-cost coverage for low-income residents. You may qualify based on income or special conditions.
Children and teens under 19 may be eligible for the Apple Health for Kids program, Washington’s version of CHIP.
How to apply:
- Washington Health Plan Finder
- Local Department of Social and Health Services
Enrollment is open year-round, with immediate coverage if approved.
Other Options for Coverage in Washington
1. Short-Term Health Insurance
Short-term health insurance is fast, flexible, and great for students between jobs or in transition. In Washington, you can buy a plan for up to 3 months in a 12-month period.
Key benefits:
- Immediate coverage
- Telemedicine access
- Doctor and urgent care copays
- Broad provider networks
2. Supplemental Health Plans
Supplemental insurance adds coverage for things your main plan doesn’t cover, such as accidents or critical illnesses.
Examples:
- Accident insurance
- Hospital indemnity
- Critical illness coverage
- Cancer protection
Great for filling gaps and managing out-of-pocket expenses.
3. Dental and Vision Insurance Plans
Keep your oral and vision health on track while managing expenses.
Coverage includes:
- Cleanings, fillings, crowns, and braces
- Eye exams, glasses, contacts, and LASIK
- Bundled savings and preventive care
4. Health Care Sharing Ministry Programs
Faith-based healthcare programs offer community-driven cost sharing. Though not traditional insurance, these programs may be appealing to those who meet faith and lifestyle requirements.
Features:
- Shared monthly contributions
- Values-based community support
- Lower monthly costs
5. Fixed Benefit Medical Insurance
Fixed Benefit medical insurance pays set amounts for covered services without deductibles.
Advantages:
- Fast payouts
- Predictable costs
- Works well with low-cost or high-deductible plans
A team of licensed insurance agents are here to help you compare plans
Understanding Health Insurance Costs
Before selecting a plan, understand these terms:
- Premium: Monthly payment for coverage
- Deductible: What you pay before insurance kicks in
- Copayment: Set fee per doctor visit
- Coinsurance: Shared percentage of care costs after deductible
- Out-of-Pocket Maximum: The most you’ll pay annually for covered services
- In-Network vs. Out-of-Network: In-network care typically costs less
Use this glossary for definitions of common insurance terms.
Next Steps
Once you’ve decided to get health insurance, compare your options and enroll before classes start. Whether it’s staying on a parent’s plan, choosing an ACA policy, or enrolling in your school’s coverage, make sure it suits both your medical needs and budget.
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