Open Enrollment for Insurance Starts October 15th, 2023 for Medicare Beneficiaries and November 1st, 2023 for individuals and families! Are you prepared? Click HERE for more information.

Open Enrollment 2019-2020: Are You Ready?

The open enrollment period for individuals and families is quickly approaching. During the open enrollment, you can shop and compare plan options for 2020. The insurance marketplace can be difficult to navigate, we’re here to make that process easier. While we won’t have complete information until November 1st, below is an overview that can help you prepare for the open enrollment period.

Important Dates:

Open Enrollment is November 1 – December 15th

(You must select and confirm coverage by December 15th for a January 1st effective date.)


The following carriers will offer coverage in Washington State for 2020. Please note most carriers are only available in select counties, this means you may not have access to every carrier available on the list below:

  • Ambetter Coordinated Care’

  • BridgeSpan
  • Kaiser
  • LifeWise
  • Molina
  • PacificSource
  • Premera Blue Cross
  • Providence Health Plan
  • Regence Blue Shield*

Similar to 2019, there are no traditional PPO plans available to individuals in Washington State. All individual medical plans have limited networks where you are required to be “In-network” (except for emergencies).

* not eligible for tax credits


The premium increases vary by carrier. However, this year there is an average decrease in Washington State of 3%. You will want to review your renewal notice from your carrier for specific details on your updated premium.


On or before November 1st, you will receive a notice from your insurance company outlining the status of changes to your coverage and premium for 2020. If your carrier will no longer be offering your plan in your county, you will also receive that notice by mail. Please note that all counties in Washington will have individual plan options available for purchase.

Get Ready for Open Enrollment!

  • Estimate your income for 2020. Will you qualify for a tax credit in 2010?
    * Estimated 2020 Income Table Below

  • Visit to make sure you have correct log in information (username/password). There are options to retrieve your username and password on the website.
  • Check with your doctors to confirm which carriers they accept.
  • Contact Mutual Benefits Insurance to schedule a time to review your options.
If your agent is Michael O’Halloran, please email him at
If your agent is Shreya Russell, schedule an appointment online
or call 206-709-2619

If your agent is Shreya Russell, schedule an appointment online
or call 206-709-2619

We look forward to helping you navigate your health insurance options for 2020. Please contact us as soon as possible to schedule as our calendars to fill up quickly during this time of year.