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.

Individual & Family Open Enrollment: November 1 - December 15

Working from home, wearing masks and remote learning! What a wild ride 2020 has been. While we're all adjusting to the "new normal," the team at Mutual Benefits Insurance is still here to help you navigate your insurance options during this year's open enrollment period. During open enrollment, you can shop and compare plan options for 2021, including new standardized Cascade Plans. The insurance marketplace can be difficult to navigate, we’re here to make that process easier for you. Below is an overview that can help you prepare for the open enrollment period. Preview plans and rates at at

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 2021. 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 and 2020, 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).


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.

Get Ready for Open Enrollment!

  • Estimate your income for 2021. Will you qualify for a tax credit in 2021? * Estimated 2021 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 2021. During this time of year, our calendars fill up quickly, so please contact us as soon as possible to schedule your appointment.

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