Updated: January 27, 2026
Advertising & Editorial Disclosure
Community Health Plan of Washington offers the lowest health insurance rates in Washington at $499 per month, making it the top choice for budget-conscious residents seeking comprehensive coverage.
Community Health Plan of Washington provides the most affordable options for teens, young adults, adults, seniors and HMO plans in Washington, with Coordinated Care Corporation offering competitive PPO rates and Kaiser Permanente leading in EPO coverage affordability.
Shop smart by determining your ideal coverage level first, verify subsidy qualification through HealthCare.gov, and request quotes from multiple insurers.
Community Health Plan of Washington has the cheapest health insurance in Washington state at $499 monthly on average. Counties restrict which plans you can buy, so your local options won't match statewide availability.
Coordinated Care Corporation, Kaiser Permanente, LifeWise Health Plan of Washington, Molina Healthcare and Wellcare Health also charge low premiums across Washington. But Community Health Plan consistently undercuts competitors regardless of which county you live in.
| Community Health Plan of Washington | $499 | $184 | $5,988 | $2,208 |
| Coordinated Care Corporation | $530 | $153 | $6,360 | $1,836 |
| Kaiser Permanente | $626 | $57 | $7,512 | $684 |
| LifeWise Health Plan of Washington | $648 | $35 | $7,776 | $420 |
| Molina Healthcare | $667 | $16 | $8,004 | $192 |
| Wellcare Health | $701 | $18 | $8,412 | $216 |
| UnitedHealthcare of Oregon, Inc. | $818 | $135 | $9,816 | $1,620 |
| BridgeSpan | $837 | $154 | $10,044 | $1,848 |
| Blue Cross Blue Shield | $850 | $167 | $10,200 | $2,004 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Washington. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average to show how much cheaper they are than the overall state average. Your actual rates will vary based on age, location and chosen plan.
Average Monthly Rate
Average MOOP
Average Deductible
Age, plan structure and metal tier determine which Washington insurer charges you least. Monthly premiums tell only part of the story. Match them against deductibles and maximum out-of-pocket costs since the cheapest monthly bill often means higher expenses when you actually file claims.
Teens | Community Health Plan of Washington | $255 | $3,060 | $10,150 | $6,000 |
Young Adults | Community Health Plan of Washington | $286 | $3,432 | $10,150 | $6,000 |
Adults | Community Health Plan of Washington | $357 | $4,284 | $10,150 | $6,000 |
Seniors | Community Health Plan of Washington | $757 | $9,084 | $10,150 | $6,000 |
HMO | Coordinated Care Corporation | $373 | $4,476 | $10,150 | $6,000 |
EPO | Community Health Plan of Washington | $357 | $4,284 | $10,150 | $6,000 |
* Rates shown are averages for bronze-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Your metal tier choice affects the balance between monthly premiums and out-of-pocket costs when you need care. Bronze plans feature the cheapest monthly payments but require more cost-sharing when you visit doctors. Platinum plans cost more each month but minimize expenses for medical care.
Choose based on your health care needs: Bronze saves money if you're healthy, but Gold or Platinum works better if you see doctors frequently.
Community Health Plan of Washington offers the cheapest health insurance in Washington for both Bronze and Gold plans. State averages start as low as $357 for Bronze plans and go as high as $469 for Gold plans.
| Bronze | Community Health Plan of Washington | $357 | $4,279 | $10,150 | $6,000 |
| Gold | Community Health Plan of Washington | $469 | $5,633 | $7,900 | $1,450 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Refer to the following table to find the most affordable health insurance options in Washington that best suit your needs.
| Kaiser Permanente | Basics Plus Catastrophic | $178 | HMO | Catastrophic | $10,600 | $10,600 | 18 | Yes |
These five steps will help you find affordable coverage matching your healthcare needs while staying within budget.
Your ideal type of plan and metal tier varies based on your health status and financial situation. Start by calculating your available monthly premium budget, then assess your current health needs and risk factors like age, lifestyle and location.
Subsidy eligibility for 2026 health insurance depends on your household size and income. Financial assistance is available for incomes ranging from 100% to 400% of the Federal Poverty Level.
Washington residents who meet age requirements should investigate Medicare and Medicaid programs, including Medicare Advantage plans and Medicare Supplement plans.
Check each plan's formulary to ensure your regular medications are covered. Insurance companies often place the same drugs on different cost tiers.
Washington's Open Enrollment period spans November 1 through January 15. You might qualify for Special Enrollment after major life changes like job loss, divorce or adding a family member
Washington has specific insurance regulations that may affect your coverage options and costs. Research state-mandated benefits, network adequacy rules and consumer protections.
The cheapest health insurance providers in Washington are Community Health Plan of Washington, Coordinated Care Corporation and Kaiser Permanente. You should get quotes from multiple companies across different plan types and tiers.
Below are answers to typical questions about affordable health insurance in Washington:
Community Health Plan of Washington offers the most affordable health insurance in Washington, with Silver plans averaging $499 monthly for 40-year-olds.
Cheap health plans come with high deductibles ranging from $3,000 to $8,000 annually and out-of-pocket maximums reaching $9,100. You'll face limited provider networks and pay more when you need medical care most.
Yes, you may qualify for subsidies on health insurance in Washington. Premium tax credits are available for individuals and families earning between 100% to 400% of the Federal Poverty Level. Washington Healthplanfinder determines your eligibility automatically when you apply and shows available programs like Cascade Care Savings or Apple Health.
You can enroll in Washington health insurance during Open Enrollment from November 1 to January 15. You may also qualify for Special Enrollment year-round if you experience a qualifying life event like losing your job, getting married or having a baby.
We gathered plan information from Washington Healthplanfinder for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. Our cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is most common demographically and provides clear comparison. Age-specific rankings reflect their corresponding premium costs. Keep in mind that lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
