Questions for people who have gone through the Washington Healthplan finder thing

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So here’s my household; I have myself and my two kids who are currently enrolled through apple health in the state of Washington . My Girlfriend, a stay at home mom (and my dependent), also lives with me but is not listed as a member of the household. When I originally submitted the application for my children she had a different insurance plant through her Dad so I didn’t think she needed to be included. Four years ago she accidentally got sent to collections over medical debt and soon after lost that insurance (for other reasons). Getting sent to collections freaked her out and she never signed up for another insurance company. She’s been living with an unmedicated anxiety disorder that has recently reached it’s apex, so we decided that it would be good to figure out signing her up so that she can go back to the doctor and get on her medication. However, both of us grew up in poor households who more often then not were completely uninsured. Because of this and our past experience getting sent to collections, every time we go to sign her up for new insurance we chicken out and put it off. Right now we’re trying to send an application through the state of Washington insurance thing and it’s getting a little confusing in terms of the “household”. When I first signed up I assumed I only needed to include the people in my household who were seeking coverage, along with myself since I’m the adult. Now that I’ve been looking into it a second time it seems like I should have added my girlfriend, even though she wasn’t seeking coverage at the time.

TL;DR – Should I add my stay-at-home-mom girlfriend to my already active household (because duh, she lives here), or have her submit her application on her own account? Would adding her to my active account affect the coverage of my two children, would I have to resubmit an application for all of us at the same time? Would having her submit her own application on a separate account mean that I would list her alone in her household, or would I need to put my kids and I down as well? Would that remove us from our active account? I would hate to mess this up and turn it into something 4x more confusing by losing coverage for everyone. I’m getting really confused and frustrated, and at this point I’m thinking about just circumventing the whole insurance thing and just having her visit the doctor with cash to get it started because I’m tired of this being a constant stressor for us.

I have no idea what I’m doing, and everyone I speak to about this assumes that I know at least a small amount about health insurance and is 0 help because of it, they usually just confuse me more or treat me like I’m an idiot. Please help.

submitted by /u/Shadowfox392
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So here’s my household; I have myself and my two kids who are currently enrolled through apple health in the state of Washington . My Girlfriend, a stay at home mom (and my dependent), also lives with me but is not listed as a member of the household. When I originally submitted the application for my children she had a different insurance plant through her Dad so I didn’t think she needed to be included. Four years ago she accidentally got sent to collections over medical debt and soon after lost that insurance (for other reasons). Getting sent to collections freaked her out and she never signed up for another insurance company. She’s been living with an unmedicated anxiety disorder that has recently reached it’s apex, so we decided that it would be good to figure out signing her up so that she can go back to the doctor and get on her medication. However, both of us grew up in poor households who more often then not were completely uninsured. Because of this and our past experience getting sent to collections, every time we go to sign her up for new insurance we chicken out and put it off. Right now we’re trying to send an application through the state of Washington insurance thing and it’s getting a little confusing in terms of the “household”. When I first signed up I assumed I only needed to include the people in my household who were seeking coverage, along with myself since I’m the adult. Now that I’ve been looking into it a second time it seems like I should have added my girlfriend, even though she wasn’t seeking coverage at the time. ​ TL;DR – Should I add my stay-at-home-mom girlfriend to my already active household (because duh, she lives here), or have her submit her application on her own account? Would adding her to my active account affect the coverage of my two children, would I have to resubmit an application for all of us at the same time? Would having her submit her own application on a separate account mean that I would list her alone in her household, or would I need to put my kids and I down as well? Would that remove us from our active account? I would hate to mess this up and turn it into something 4x more confusing by losing coverage for everyone. I’m getting really confused and frustrated, and at this point I’m thinking about just circumventing the whole insurance thing and just having her visit the doctor with cash to get it started because I’m tired of this being a constant stressor for us. ​ I have no idea what I’m doing, and everyone I speak to about this assumes that I know at least a small amount about health insurance and is 0 help because of it, they usually just confuse me more or treat me like I’m an idiot. Please help.
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