Washington Health Insurance

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Find individual health insurance in Washington. Discover more plans at the lowest available cost.

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Securing affordable health insurance is crucial for residents of Washington to ensure access to quality healthcare services and protect their well-being. In this comprehensive guide, we will address frequently asked questions and provide valuable information to assist you in applying for affordable Washington health insurance. We will explore topics such as the availability of affordable health care in Washington, essential health benefits covered by insurance plans, signing up for ACA health insurance, children’s health insurance programs, and resources for Washington residents.

Benefits of finding your Washington Insurance Plan through eHealth

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We help you make choices that fit your needs

Our online tools and filters help you make the health insurance choice that’s right for you.

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You'll pay the lowest possible cost

There’s no obligation for our services and you’ll pay the same price offered by insurance companies you know and trust.

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Expert help at your fingertips

We’re available 24/7 by chat, email or phone.

How Health Insurance Covers Expenses

Health insurance is designed to protect you from substantial medical costs. The insurer identifies the services covered by the plan (e.g., ACA essential benefits) and the cost-sharing arrangement—which determines the portion of eligible healthcare costs the insurer will pay and the portion you will pay.
Once you buy an insurance policy, you need to pay a premium payment either monthly or annually. With this payment, you get the assurance from your insurance provider that you will receive coverage for your healthcare bills that are associated with covered conditions and scenarios. However, even with this coverage, you need to cover certain charges out-of-pocket to utilize affordable health insurance in Washington. But don’t worry, there’s a limit on what you will be required to pay out-of-pocket for covered care.

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Deductible

A deductible is the yearly or benefit period amount that you need to pay against incurred healthcare expenses before your insurance starts covering your costs.

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Copays

Copay is a fixed amount that you need to pay after covering for your deductible. This cost typically applies to each medical service that is covered under your Washington medical insurance.

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Coinsurance

Coinsurance is the percentage of costs that you need to pay for medical services after taking care of your deductible. This practice stays in place for Washington health insurance and countrywide plans alike.

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Out-Of-Pocket Maximum

Out-of-pocket maximums refer to the limit of payable amount that you reach after covering deductibles, coinsurance, and copays in a year. Once you reach this out-of-pocket maximum, your Washington private health insurance covers your complete costs for outlined healthcare services.

Types of Washington health insurance plans

Your healthcare needs and budget are as unique as you are, which is precisely why our Washington plans come in a variety of price levels, each characterized by a distinct metallic rating: Bronze, Silver, Gold, and Platinum. These ratings offer an intuitive way to gauge the plan's cost-sharing framework.
Financial assistance to help cover health insurance costs is available for those who qualify, so it’s easier to stay on budget and on top of your health

Bronze

These plans, typically with lower monthly premiums, are geared towards those who require minimal coverage or mainly emergency services. They involve higher out-of-pocket expenses when care is needed.

Silver

Silver plans strike a balance between monthly premiums and out-of-pocket costs, suitable for regular healthcare usage.

Gold

Gold plans, with higher premiums, reduce out-of-pocket costs, making them ideal for those with frequent healthcare needs.

Platinum

Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest out-of-pocket costs, perfect for those with extensive healthcare requirements.

Washington Medical Insurance Statistics

Consider the following statistics about health care coverage in Washington:

7,679,300

Total Washington Residents

7%

Total Uninsured Washington Residents

2,127,288

Total Washington HMO enrollment

$1,314

Avg annual employee premium in Washington employer-sponsored plan (after employer contribution)

$3,945

Avg Washington hospital cost per inpatient day (before insurance)

Source data according to the Kaiser Family Foundation: Health Insurance Coverage of the Total Population, states (2007-2008), U.S. (2008); Total HMO Enrollment, July 2008; Average Single Premium per Enrolled Employee; For Employer-Based Health Insurance, 2008; Hospital Adjusted Expenses per Inpatient Day, 2007

Find a Washington health insurance plan

Explore a diverse range of private health insurance plans in Washington for individuals and families, as well as small business and group health plans from leading insurance providers. Whether you're in Seattle, Spokane, Tacoma, or anywhere in between, take a proactive step in finding the ideal plan for your needs.

Health insurance plans for every stage of life

dental insurance

Dental Insurance Plans

May have a relatively low monthly premium. Can cover everything from routine cleanings and fillings to more comprehensive procedures.

Find Dental Insurance >
vision insurance

Vision Insurance Plans

Can cover annual eye exams. May reduce the cost of contact lenses or glasses.

Find Vision Insurance >
short term insurance

Short Term Insurance Plans

Designed to provide some health coverage on a temporary basis. Short-term plans offer limited coverage at affordable prices but exclude pre-existing conditions and other benefits covered by major medical health insurance plans. Easy to enroll and can start in just a few days.

Find Short Term insurance >
medicare

Medicare Insurance Plans

Part A covers hospital expenses, skilled nursing facilities, hospice and home healthcare services. Part B, for a reasonable monthly premium, provides outpatient care such as doctor visits, x-rays, and preventative care. You can also shop plans that potentially reduce your costs for prescription medications.

Find Medicare Plans >

Frequently asked questions

How much is health insurance in Washington?

Washington residents can expect to pay an average of $420 per person* for a basic major medical individual health insurance plan. Prices will vary and premiums can be lower if you are in good health.

Metal Level Average Monthly Premium*
Bronze $420
Silver $531
Gold $658
* This is the average price of a plan available from eHealth in Washington, but actual prices available depend on zip code, age, gender, and other factors.  Get a personalized quote to see what may be available for you.

Signing up for Affordable Care Act (ACA) health insurance in Washington is a straightforward process. You can visit the Washington Healthplanfinder website, the state’s official health insurance marketplace, to explore available plans and enroll online. The website provides a user-friendly interface that guides you through the application process. Additionally, you can seek assistance from certified brokers, navigators, or enrollment centers to help you understand your options and complete the enrollment process successfully.

Washington residents can purchase health insurance from the state-run exchange, a private insurer or a licensed health insurance broker like eHealth during open enrollment. If you’ve missed open enrollment, Washington residents can purchase a short-term plan or they may qualify for a special enrollment period that would allow them to enroll in a standard plan.

The Affordable Care Act, often referred to as Obamacare, no longer requires every Washington resident to have health insurance. Some states have developed their own health insurance requirements outside of the ACA, but Washington is not included in those states at this time.

The cheapest health insurance in Washington starts for as low as $166 per person for major medical plans.*

Metal Level Lowest Monthly Premium*
Bronze $166
Silver $190
Gold $245
* This is the lowest-price Bronze plan available from eHealth in Washington, but actual prices available depend on zip code, age, gender, and other factors.  Get a personalized quote to see what may be available for you.

Washington runs a state-based marketplace called Washington Healthplanfinder, which is managed by Washington state Health Care Authority in collaboration with the Washington Health Benefit Exchange and Department of Insurance. Through Washington Healthplanfinder, marketplace insurers offer ACA-compliant Washington private health insurance to individuals and families statewide. Individuals may also enroll in Washington Apple Health (Washington’s Medicaid insurance) via the Washington Healthplanfinder marketplace.

You can enroll in individual or family health insurance through the Washington marketplace during the open enrollment period. Open enrollment in Washington runs from November 1st to January 15th. Outside the open enrollment period, you can enroll in Washington private health insurance only if you qualify for a special enrollment period. Examples of Qualifying Life Events include marriage or loss of employer-sponsored health coverage.

Washington State is committed to ensuring that its residents have access to affordable health care options. Through the Washington Health Benefit Exchange, individuals and families can explore and enroll in affordable health insurance plans. The exchange offers a range of coverage options, including qualified health plans that provide comprehensive benefits at affordable rates. Additionally, Washington offers programs like Medicaid and the Children’s Health Insurance Program (CHIP) to help eligible individuals and families access affordable health care.

Washington requires health insurance plans to cover essential health benefits, ensuring comprehensive coverage for policyholders. These benefits include ambulatory care, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative and habilitative services, laboratory services, preventive and wellness services, and pediatric services, including oral and vision care. The inclusion of these essential health benefits provides comprehensive coverage for Washington residents.

Washington provides access to affordable health insurance for eligible children through the Children’s Health Insurance Program (CHIP) called Apple Health for Kids. This program offers comprehensive health coverage to children and teenagers in Washington, ensuring they receive necessary medical services, dental care, and vision care. Eligibility is based on income and other criteria, and the program aims to provide affordable or free health insurance for children from low-income families.

Washington residents have access to various resources to support them in their search for health insurance. The Washington Healthplanfinder website serves as a comprehensive resource, offering information on available plans, enrollment assistance, and eligibility requirements. Additionally, the Washington Health Benefit Exchange provides customer support through its customer support center, where individuals can receive guidance and assistance with their health insurance inquiries. It is also advisable to consult with licensed insurance agents or brokers who can provide personalized advice based on your specific needs and circumstances.

Applying for affordable health insurance in Washington is crucial for residents to ensure access to necessary healthcare services. By understanding the availability of affordable health care options in Washington, the essential health benefits covered by insurance plans, the process of signing up for ACA health insurance, the availability of children’s health insurance programs, and the resources provided for Washington residents, you can navigate the process with confidence. Remember to consult a licensed insurance agent, seek assistance from certified professionals, and evaluate your options carefully to find the most suitable and affordable health insurance coverage.