Health Insurance Overview
Washington D.C. residents have excellent access to health coverage. The District operates its own state-based marketplace (DC Health Link), has expanded Medicaid with generous income limits, and offers additional programs like the DC Healthcare Alliance for residents who don't qualify for other coverage.
Medicaid in Washington D.C.
DC Medicaid is one of the most generous in the nation, covering:
- Adults ages 19-64 with income up to 215% of poverty (about $31,300/individual)
- Children under 19 with income up to 324% of poverty
- Pregnant women with income up to 324% of poverty
- Parents and caretakers at higher income limits than most states
- Seniors and individuals with disabilities
DC Healthcare Alliance
The DC Healthcare Alliance provides coverage for DC residents who don't qualify for Medicaid or other insurance, including undocumented immigrants. This locally-funded program ensures that virtually all DC residents can access healthcare.
How to Apply for DC Medicaid
You can apply for DC Medicaid through:
- Online: Visit DC Health Link
- Phone: Call 1-855-532-5465
- In Person: Visit a DC Health Link walk-in center or work with an Assister
DC Health Link Marketplace
DC Health Link is Washington D.C.'s state-based health insurance marketplace. Unlike most jurisdictions that use HealthCare.gov, DC operates its own exchange with unique benefits:
- Extended open enrollment period (November 1 - January 31)
- Multiple carriers and plan options
- Local customer service and in-person assistance
- Small business health options (SHOP)
- Seamless Medicaid eligibility determination
How to Enroll
- Visit dchealthlink.com
- Create an account and complete your application
- Get screened for Medicaid, Alliance, and marketplace eligibility
- If eligible for marketplace, compare plans and see your subsidies
- Select a plan and pay your first premium
Average Costs and Subsidies
DC offers multiple layers of financial assistance:
- DC Medicaid: Free coverage for income up to 215% of poverty
- Federal Premium Tax Credits: Available for marketplace plans
- Cost-Sharing Reductions: Lower out-of-pocket costs on Silver plans
- DC Healthcare Alliance: Free coverage for those who don't qualify elsewhere
Frequently Asked Questions
Has Washington D.C. expanded Medicaid?
Yes, Washington D.C. was one of the first to expand Medicaid under the ACA. DC Medicaid covers adults with income up to 215% of the federal poverty level - significantly higher than the standard 138%. This means more DC residents qualify for free coverage.
What is DC Health Link?
DC Health Link is Washington D.C.'s state-based health insurance marketplace. Unlike most states that use HealthCare.gov, DC operates its own exchange where residents can shop for individual, family, and small business health plans and access subsidies to lower costs.
How do I apply for health insurance in Washington D.C.?
DC residents should apply through DC Health Link at dchealthlink.com (not HealthCare.gov). You can apply online, by phone at 1-855-532-5465, or in person with a DC Health Link Assister. Open enrollment runs November 1 through January 31 - longer than most states.
What makes DC health insurance different from other states?
DC offers several unique advantages: higher Medicaid income limits (215% vs 138%), a state-run exchange with extended enrollment periods, the DC Healthcare Alliance for undocumented residents, and additional local subsidies beyond federal assistance. DC also requires all residents to have health coverage.
Need Help Finding Coverage in Washington D.C.?
Our licensed agents can help you navigate DC Health Link, Medicaid, or the Healthcare Alliance to find the best coverage option.
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