Individual Health Insurance – Sound Insurance Northwest
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Formerly Sound Business & Health Insurance

Health Insurance

Individual, Dental & Vision

Selecting the right health insurance can be an overwhelming process; prior to selecting a plan you need to verify that your doctors are “in-network” for each plan you are reviewing, while balancing your budget versus benefits needed and/or provided.

That is why using a broker provides peace of mind.  Our brokers can quickly assess your needs and offer recommendations for a plan that will work best for you and your family, allowing you to continue to see the doctors that are important to you and help you capture as many benefits and discounts to make the plan you chose as affordable as possible.

What is Open Enrollment?

You are only able to purchase a health insurance plan one time a year during Open Enrollment.  For a January 1st start date, you will need to select a plan between November 1 and December 15th.

There is an extension for Open Enrollment until January 15th, that allows you to select a plan starting February 1st.

After January 15th you will only be able to purchase a health plan if you qualify for “Special Enrollment.”

What is Special Enrollment?

Some life events let you sign up for a health plan outside of Open Enrollment. This is called a Special Enrollment Period. Qualifying life events include job loss, birth, adoption, marriage and more. You have 60 days from the event to apply for a special enrollment period.

Examples of Qualifying Life Events:

  • Marriage or entering a domestic partnership*
  • Birth
  • Adoption or foster care
  • Receipt of a court order (including child support)
  • Loss of a dependent or dependent status due to death, divorce or legal separation*
  • A change in income* (eligibility change)
  • Loss of other health coverage (because of job loss, divorce, eligibility change, etc.)
  • Moving to Washington or a new county in Washington
  • A change in citizenship or lawful presence status
  • Release from prison
  • Loss of free COBRA coverage

*This is for currently enrolled customers only.

Not all events qualify you for special enrollment. You can sign up for a health plan during the next open enrollment period if this is the case.

Examples of Events that Do Not Qualify

  • Choosing to end another health plan
  • Health plan ending due to unpaid premium
  • Finding out your doctor is not covered through your plan

What is Apple Health?

You can sign up for Apple Health at any time. A special enrollment period is not needed.  Qualifying for Apple Health is predicated on your taxable household income.

What are tax credits?

Tax credits reduce the amount you pay for your health plan each month. They are paid by the government and applied to your health plan’s premium. Tax credits are only available through Washington Healthplanfinder.

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Formerly Sound Business & Health Insurance

Sound Insurance Northwest

3312 Rosedale Street, Suite 103
Gig Harbor, WA 98335

(253) 858-9988

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