2021 Affordable Health Insurance Plans in Washington

Washington state offers plenty of options for its residents when it comes to healthcare. With 11 plans operating on the state exchange, individuals and families can find the best rates and plans for their specific needs. With so much competition, rates remain fair. Apple Health is the state’s version of Medicaid, which is also available for people who qualify.

Highlights and Updates

  •       The health exchange in Washington state is called the Washington Health Benefit Exchange.
  •       Washington state has a low uninsured rate.
  •       The average monthly benchmark premium cost in Washington state is $388.
  •       There are many insurance companies offering health plans on the exchange.
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How to Buy Health Insurance in Washington

You can easily shop for health insurance and make a purchase on the state exchange, called the Washington Health Benefit Exchange, at www.wahealthplanfinder.org.

How To Apply For Health Insurance in Washington

Go to www.healthcare.gov to apply for health insurance. You can also visit www.wahealthplanfinder.org for more information.

Health Insurance Carriers In Washington

There are 11 health insurance carriers in Washington state:

  • BridgeSpan
  • Community Health Network of Washington
  • Coordinated Care (Ambetter)
  • Kaiser Permanente
  • LifeWise WA
  • Molina Healthcare
  • PacificSource
  • Premera
  • Providence Health Plan
  • Regence
  • UnitedHealthcare

What Are The Cheapest Health Insurance Companies in Washington?

Washington has many health insurance options to pick from, allowing its residents to find the best rates for their needs and their families. Costs tend to vary by county and according to other factors, but on average the plans from Coordinated Care (Ambetter) tend to be the cheapest.  

How Has Obamacare Helped Washington’s Uninsured?

Washington boasts one of the largest reductions in uninsured rates since Obamacare was introduced. The uninsured rate dropped from 14% to 5.4%, representing a success story for the state.

Washington Health Insurance Costs Overview

Washington has three tiers of health insurance coverage – Gold, Silver, and Bronze.

How Much Does Health Insurance Cost in Washington?

The average benchmark monthly health insurance premium in Washington for a 40-year-old is $388.   

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What is the Cheapest Health Insurance Plan in Washington?

The cheapest health insurance plan in Washington state is the Ambetter Essential Care 1 Plan (2021), which has a premium of $252. The deductible and out-of-pocket maximum are both $8300.

Cheapest Washington Health Insurance Coverage by Metal Tier

Gold Plans

The most affordable Gold Plan is Ambetter Secure Care 1 (2021) with 3 Free PCP Visits. The premium costs $385 per month, with a deductible of $1050 and an out-of-pocket maximum of $6450.

Silver Plans

Ambetter Balanced Care 1 (2021) is the cheapest of the silver plans in 2021 with a premium of $344 per month, a deductible of $5650, and an out-of-pocket maximum of $7350.

Bronze Plans

The cheapest bronze plan is the Ambetter Essential Care 1 Plan (2021), which has a premium of $252. The deductible and out-of-pocket maximum are both $8300.

Washington Health Insurance Costs by Occupation

What Is the Average Cost of Health Insurance for a Student in Washington?

Student health plans are available for students between the ages of 17-29 in Washington state. Students may also be able to stay on their parent’s policy while studying or take out a policy from their university directly. Different limitations may apply.

What Is the Average Cost of Health Insurance for the Self-Employed In Washington?

Self-employed individuals can expect to find many options for health insurance, ranging from bronze to gold options with many different price points.

What Is the Average Cost of Health Insurance for Small Business Owners in Washington?

While each small business is different and will have differing premiums, Premera reports $491.67 is the average cost per person per month.

Washington Health Insurance Costs by Number of Participants

What Is the Average Cost of Health Insurance for Families in Washington?

Healthcare insurance costs change often, so shopping around is your best bet to ensure you are receiving the best rate. Special enrollment remains available in the state through August 15 if you need new health insurance options for your family.

What Is the Average Cost of Health Insurance for Individuals in Washington?

The benchmark price for a 40-year-old individual is $388 in Washington state.

What Is the Average Cost of Health Insurance for a Child in Washington?

Child Health Plan Plus (CHP+) is administered under Apple Health in Washington, allowing reasonable options for children’s insurance.

Other Types of Washington Health Insurance Coverage

Catastrophic Health Insurance in Washington

Washington state allows the purchase of catastrophic health insurance plans for those who qualify.

 Short Term or Temporary Health Insurance in Washington

There are now limited short-term health plans available in Washington, although until 2019 these were not allowed by the state. There is currently one insurer providing a short-term plan with a maximum of three months’ coverage.

Low-Income Health Insurance in Washington

Apple Health is Washington’s version of Medicaid, available for lower income families.

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