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.

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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 currently 12 health insurance carriers in Washington state:

  • BridgeSpan Health Company
  • Community Health Network of Washington
  • Coordinated Care Corporation
  • Kaiser Foundation Health Plan of the Northwest
  • Kaiser Foundation Health Plan of Washington
  • LifeWise Health Plan of Washington
  • Molina Healthcare of Washington
  • PacificSource Health Plans
  • Premera Blue Cross
  • Regence BlueCross BlueShield of Oregon
  • Regence BlueShield
  • UnitedHealthcare of Oregon

Washington Health Insurance Costs Overview

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

As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect. 

How Much Does Health Insurance Cost in Washington?

The average benchmark monthly health insurance premium in Washington for a 40-year-old is $434.

What is the Cheapest Health Insurance Plan in Washington?

The cheapest health insurance plan in Washington state is the one that covers you when you need it most. Enter your zip code below to get started. 

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Cheapest Washington Health Insurance Coverage by Metal Tier

As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect. 

Note that all costs are 2o25 pricing from KFF. (source)

Gold Plans

The average lowest cost premium of a Gold Plan in Washington in 2025 was $443. 

Silver Plans

The average lowest cost premium of a Silver Plan in Washington in 2025 was $416.

Bronze Plans

For a Bronze plan, the average lowest premium in 2025 was $309

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 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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Sources: 

Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D 

Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D