Health insurance options for those ineligible for UW coverage
This page describes the health insurance options that are available for people who are not eligible for one of the University’s health insurance programs. UW employees and their dependents who are no longer eligible to participate in a UW medical plan should first consider exercising their right to insurance continuation through COBRA before exploring the options described on this page.
Affordable Care Act
The Affordable Care Act (ACA) is the law that is commonly referred to as “health care reform” or “Obama Care.” It became law in 2010 and brings major improvements to our health care system by increasing access to affordable health care for individuals, families, seniors, and businesses.
In Washington, everyone who still needs health insurance can use Washington Healthplanfinder.
This is where, if you are a Washington citizen with low income, you can apply for Apple Health, a combination of two programs formerly known as Children’s Health Insurance Program (CHIP) and the Medicaid Premium Payment Program.
Or, if you don’t qualify for Apple Health, you may still qualify for a subsidized health care plan.
Residents of other states should use healthcare.gov to find the health exchange for their state.
Short-term health insurance
This type of non-renewable and relatively inexpensive plan provides coverage ranging from 30 days to six months. This can be useful if you are in a job transition, you do not have access to COBRA rights, or you are visiting the UW from another state or country. Use an internet search engine to learn more and shop wisely.
Professional associations
Many professional and fraternal associations offer health insurance to their members. Association plans vary widely in the way that benefits are administered. Be sure to educate yourself about the provisions of coverage. Some association plans have a very limited and restricted payment schedule. You are responsible for all costs above the scheduled amount.
Stay on a parent’s plan
Under the Affordable Care Act, if your parent’s plan covers children, they may keep you on their health insurance policy until you turn 26 years old. Check the Certificate of Coverage for your parent’s health plan.
COBRA for Students
Students age 26 and older who are no longer eligible for coverage under a parent’s health insurance plan may be eligible for COBRA. There are other categories that may make individuals eligible for 18 to 36 months of COBRA. For example, special rules may allow extended coverage for an individual who is disabled within the meaning of the Social Security Act. For more information about COBRA, see the U.S. Department of Labor’s FAQs.
Other resources
Statewide Health Insurance Benefits Advisors (SHIBA) is a statewide network of volunteers trained by the Washington State Office of the Insurance Commissioner to assist, educate and advocate for consumers about health insurance and health care access issues. The service is free. Community Clinics offer health care on a sliding fee schedule. Contact a SHIBA HelpLine representative for a list of Community Clinics in your area at:
Washington State Office of the Insurance Commissioner has responsibility for regulating all insurance business in Washington under the authority granted by the insurance laws of this state.