Washington Health Insurance: Key Facts
- Medicaid Status Expanded (2014) - Apple Health
- Exchange Type State-Based (Washington Healthplanfinder)
- Open Enrollment November 1, 2024 - January 15, 2025
- Medicaid Income Limit 138% FPL (~$20,783/year single)
Washington State is a leader in healthcare access, with one of the nation's most successful state-based health insurance exchanges and a robust Medicaid program. Washington Healthplanfinder serves as a one-stop shop for both Apple Health (Medicaid) and marketplace coverage, making it easy for residents to find the right coverage.
Apple Health (Washington Medicaid)
Apple Health provides free or low-cost health coverage to eligible Washington residents. The program offers comprehensive benefits and is administered by managed care organizations throughout the state to ensure quality and coordinated care.
Who Qualifies for Apple Health?
- Adults 19-64: Household income up to 138% of the Federal Poverty Level (approximately $20,783/year for an individual)
- Children: Up to 312% FPL through Apple Health for Kids
- Pregnant Women: Up to 193% FPL
- Seniors 65+: Apple Health for Seniors with specific income and asset limits
- People with Disabilities: Various programs based on disability status and income
What Does Apple Health Cover?
- Doctor and specialist visits
- Hospital care (inpatient and outpatient)
- Prescription medications
- Mental health and substance use disorder services
- Preventive care and wellness visits
- Lab tests, X-rays, and imaging
- Dental services (comprehensive)
- Vision care including glasses
- Non-emergency medical transportation
- Home health and long-term care services
- Maternity and newborn care
Washington Healthplanfinder
Washington Healthplanfinder is Washington's state-based health insurance marketplace. It's consistently ranked among the best state exchanges in the country for user experience, plan selection, and enrollment assistance.
Why Use Washington Healthplanfinder?
- One application for both Apple Health and marketplace plans
- Compare plans from multiple insurance companies
- Apply for premium tax credits and cost-sharing reductions
- Access free local help through navigators and brokers
- Year-round customer support by phone and in person
- Enroll in plans with all ACA-required essential health benefits
Insurance Companies on Washington Healthplanfinder
Washington residents can choose from several quality insurers:
- Kaiser Permanente
- Premera Blue Cross
- Regence BlueShield
- Molina Healthcare
- Community Health Plan of Washington
- Coordinated Care
- LifeWise Health Plan of Washington
Average Health Insurance Costs in Washington
Washington's competitive insurance market helps keep premiums reasonable. The state's strong insurer participation provides choices and helps control costs.
| Metal Tier | Average Monthly Premium | Typical Deductible |
|---|---|---|
| Bronze | $350 - $450 | $7,000 - $8,500 |
| Silver | $500 - $600 | $4,000 - $5,500 |
| Gold | $600 - $720 | $1,200 - $2,500 |
Important Enrollment Dates
- Open Enrollment: November 1, 2024 - January 15, 2025 (for 2025 coverage)
- December 15 Deadline: Enroll by this date for coverage starting January 1
- January 15 Deadline: Final deadline for coverage starting February 1
- Apple Health: Apply year-round; no enrollment deadline
Frequently Asked Questions
Does Washington have Medicaid expansion?
Yes, Washington expanded Medicaid in 2014. The state's Medicaid program, called Apple Health, covers adults with incomes up to 138% of the federal poverty level and provides comprehensive health benefits to over 2 million Washington residents.
What is Washington Healthplanfinder?
Washington Healthplanfinder is Washington's state-based health insurance marketplace. It's one of the most successful state exchanges in the nation, offering plans from multiple insurers and allowing residents to apply for Apple Health (Medicaid) and premium tax credits in one place.
When is Washington's health insurance open enrollment period?
Washington's Open Enrollment for 2025 coverage runs from November 1, 2024 through January 15, 2025 on Washington Healthplanfinder. Apple Health (Medicaid) applications are accepted year-round with no enrollment deadline.
How much does health insurance cost in Washington?
The average monthly premium for a benchmark Silver plan in Washington is approximately $500-$600 before subsidies. Washington has strong insurer competition, and most residents qualify for premium tax credits that bring costs well below full price.
Need Help Finding Coverage in Washington?
Our licensed agents can help you navigate Washington Healthplanfinder, check your Apple Health eligibility, and find the best plan for your needs and budget.
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