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Welcome to Open Enrollment!


This is an important time of year, as you have just six short weeks to review your health insurance options and make changes for January 1, 2025. Here’s what you need to know to navigate this process effectively!

The Open Enrollment Period starts November 1 and ends January 15, 2025.



Click here for more information on the open enrollment period, important timelines and deadline dates.



10% average rate increase in Washington's Exchange health insurance market


Click here to access Washington State Office of the Insurance Commissioner 2025 individual & family health insurance rate and service area information.



Renewal information


If you are enrolled on a carrier direct or LifeWise Grandfathered plan information will come directly from the insurance carrier. Please contact our office with any questions regarding carrier direct renewals or new enrollments.


For everyone else, the renewal notice will be initiated by the Washington Healthplanfinder and can be found by logging into in your account message center. Click here to view our 2025 OEP tutorial.


Important 2025 Market Changes

LifeWise


LifeWise Health Plan of Washington's marketplace plans will be exiting Clallam, Jefferson and Mason counties. The LifeWise Essential Bronze HSA plan will be discontinued in all counties. We advise reviewing renewal information, checking provider networks, and prescription drug formularies if being cross mapped to a new plan. Click her to view our 2025 OEP tutorial.


Plan discontinuations only pertain to LifeWise plans purchased through the Washington Healthplanfinder and not LifeWise Grandfathered plans that were obtained carrier direct.

Kaiser


Kaiser Permanente will be discontinuing their Virtual Plus Bronze & Virtual Plus Silver plans. Most effected members will be mapped to Kaiser Permanente Cascade Bronze & Cascade Silver plans. Please review your renewal information and make any desired plan changes during the open enrollment period. Click here to view our 2025 OEP tutorial.

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Cascade Select Public Option Plan Provider Network Considerations


Both Ambetter Coordinated Care and LifeWise Health Plan of Washington offer Cascade Select Public Option, Cascade Standardized, and Non-Standard health plans. The Cascade Select Public option plans use different provider networks than the Cascade Standardized and Non-Standard plan offerings. Please check to ensure your providers are in-network when looking at the Cascade Select options. Note that not all carriers offer Cascade Select Public Options with plan availability based on county of residence.


Cascade Care Savings is a state funded subsidy and available to eligible households under 250% of the federal poverty level.

Washington Apple Health


Washington Apple Health renewals occur throughout the year. Beneficiaries should expect renewal information up to 60 days prior to their anniversary date.

Visit our website for more information!

2025 OEP page
Resources Page

Jim Manwaring & Abigail Manley, your Individual & Family Health Insurance Team




We appreciate your business and look forward to working with you in the upcoming year!

2300 South Park Avenue | Port Townsend, WA 98368

Ph: 360-385-4400 | www.kristinmanwaring.com

email: info@kristinmanwaring.com