Molina provides the cheapest overall health insurance in Washington, with an average monthly premium of $501. Availability can vary, so also consider UnitedHealthcare, Regence, Kaiser WA and Kaiser Northwest for affordable health plans.
Cheapest Health Insurance in Washington: Affordable Plans for 2025
Updated: November 6, 2025
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Key Takeaways
Molina provides Washington's most affordable health insurance, at an average monthly premium of $501.
PacificSource offers the cheapest PPO plans, with rates starting at $590 per month.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Washington
| Molina | $501 | $6,010 | $8,463 |
| UnitedHealthcare of OR | $511 | $6,128 | $8,525 |
| Regence BlueCross BlueShield of OR | $537 | $6,439 | $9,200 |
| Kaiser WA | $576 | $6,911 | $9,197 |
| Regence BlueShield | $576 | $6,914 | $9,200 |
| LifeWise WA | $587 | $7,045 | $8,770 |
| PacificSource | $590 | $7,075 | $8,475 |
| Kaiser Northwest | $593 | $7,113 | $9,250 |
| BridgeSpan | $643 | $7,717 | $9,200 |
| Premera | $770 | $9,238 | $8,075 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Health Insurance Provider Washington: Molina
pros
Saves you real money at $501 monthly, the lowest Silver HMO rate in Washington
Annual spending stops at $8,463, so a serious illness won't drain your savings
The heart disease management program coordinates your care and catches problems early
Ranked first statewide after scoring perfectly on affordability, network access and claim approvals
cons
You'll need referrals before seeing specialists with this HMO plan
Nearly one in five claims gets denied on the first try
Finding doctors who accept Molina can be challenging in some areas
COMPANY HIGHLIGHTS
Molina Healthcare offers Washington's cheapest Silver HMO at $501 monthly for 40-year-olds. You'll pay just $1 for your first two primary care visits and first two mental health visits each year, then regular copays kick in. Your annual spending maxes out at $8,463, whether you need surgery or just routine checkups.
Moody's gave Molina a Ba1 financial strength rating, showing the company can pay claims reliably. But here's what you need to know: some Seattle hospitals stopped taking new Molina patients in 2025.
The insurer denies 19% of claims initially, so save your receipts and medical records. You might need them for appeals. HMO structure keeps your premiums low by limiting you to network doctors and requiring specialist referrals. For many Washington families, the savings make these tradeoffs worthwhile.
Cheapest Washington Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Washington, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
| Teens (18) | Molina | $358 | $4,292 | $8,463 |
| Cheapest Bronze (40) | Molina | $393 | $4,712 | $9,200 |
| Young Adults (26) | Molina | $401 | $4,816 | $8,463 |
| Adults (40) | Molina | $501 | $6,010 | $8,463 |
| Cheapest EPO (40) | UnitedHealthcare of OR | $511 | $6,128 | $8,525 |
| Cheapest Gold (40) | Molina | $547 | $6,561 | $6,100 |
| Cheapest PPO (40) | PacificSource | $590 | $7,075 | $8,475 |
| Seniors (60) | Regence BlueCross BlueShield of OR | $762 | $9,142 | $9,200 |
Cheapest Health Insurance Plans by County in Washington
Molina is the cheapest provider overall, Coordinated Care Corporation offers the most affordable Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Adams | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Asotin | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Benton | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Chelan | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Clallam | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Clark | Molina | $443 | Constant Care Silver 1 |
| Columbia | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Cowlitz | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Douglas | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Ferry | Coordinated Care Corporation | $381 | Ambetter Balanced Care 4 |
| Franklin | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Garfield | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Grant | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Grays Harbor | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Island | Kaiser WA | $545 | Flex Silver |
| Jefferson | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| King | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Kitsap | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Kittitas | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Klickitat | Molina | $443 | Constant Care Silver 1 |
| Lewis | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Lincoln | Coordinated Care Corporation | $381 | Ambetter Balanced Care 4 |
| Mason | Coordinated Care Corporation | $381 | Ambetter Balanced Care 4 |
| Okanogan | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Pacific | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Pend Oreille | Coordinated Care Corporation | $381 | Ambetter Balanced Care 4 |
| Pierce | Coordinated Care Corporation | $381 | Ambetter Balanced Care 4 |
| San Juan | Kaiser WA | $545 | Flex Silver |
| Skagit | Kaiser WA | $545 | Flex Silver |
| Skamania | Molina | $443 | Constant Care Silver 1 |
| Snohomish | Kaiser WA | $545 | Flex Silver |
| Spokane | Coordinated Care Corporation | $381 | Ambetter Balanced Care 4 |
| Stevens | Coordinated Care Corporation | $381 | Ambetter Balanced Care 4 |
| Thurston | Coordinated Care Corporation | $381 | Ambetter Balanced Care 4 |
| Wahkiakum | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Walla Walla | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Whatcom | Kaiser WA | $545 | Flex Silver |
| Whitman | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
| Yakima | Coordinated Care Corporation | $380 | Ambetter Cascade Select Silver |
How to Find the Cheapest Health Insurance in Washington
Follow these steps to find affordable health insurance in Washington:
- 1Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2Find out your subsidy eligibility
People earning between $15,650 and $62,600 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($39,125) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15, with Special Enrollment available under specific circumstances, like job loss or childbirth. While comparing plans, consider factors like types of coverage, customer ratings, costs and provider availability.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Washington: Bottom Line
Washington's most affordable health insurance companies are Molina, UnitedHealthcare, Regence, Kaiser WA and Kaiser Northwest. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Washington Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Washington:
What is the cheapest health insurance in Washington?
Molina offers the cheapest health insurance in Washington, with Silver plans starting at $501 monthly for 40-year-olds. Your ideal option may vary, so consider exploring Kaiser WA, UnitedHealthcare and Regence based on your income and coverage preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Washington
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Washington based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.