Cheapest Health Insurance in Washington (2024 Plans)


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The metal tier you choose for your health insurance plan will impact your premiums and overall health care expenses. In Washington, Coordinated Care Corporation offers the most affordable Bronze and Gold plans, while Community Health Plan of Washington has the cheapest Silver tier option.

If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Washington.

MoneyGeek Logo IconCheapestHealth InsuranceWashington
2024

Most Affordable Health Insurance in Washington

Why Trust MoneyGeek? We downloaded plan data for Washington directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

84Plans Analyzed
 
24Providers Compared

Cheapest Health Insurance in Washington by Metal Tier

Health insurance prices depend on the metal tier, with trade-offs between higher monthly premiums and lower out-of-pocket expenses.

The most affordable Silver plan in Washington is the Community Health Plan of Washington Cascade Select Silver plan, offered by*Community Health Plan of Washington at a monthly cost of $394. Silver is the most common plan type, balancing monthly premiums and out-of-pocket costs. For individuals aiming to minimize their monthly expenses at the expense of higher potential costs when seeking care, the Bronze tier can be an appealing option.

Here are the most affordable health insurance plans from each metal tier:

  • Bronze: Ambetter Essential Care 1 from Coordinated Care Corporation ($282 per month)
  • Silver: Community Health Plan of Washington Cascade Select from Community Health Plan of Washington ($394 per month)
  • Gold: Ambetter Clear Gold from Coordinated Care Corporation ($385 per month)

For information on cheap health insurance plans across various tiers, consider the listed options.

Data filtered by:Results filtered by:
Age:
Age:40
BronzeAmbetter Essential Care 1Coordinated Care Corporation$282$9,000
GoldAmbetter Clear GoldCoordinated Care Corporation$385$8,700
SilverCommunity Health Plan of Washington Cascade Select SilverCommunity Health Plan of Washington$394$9,200
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WHAT ARE METAL TIERS?

In the Washington health insurance marketplace, different metal tiers are available to consumers: Bronze, Silver, and Gold. These tiers help categorize plans based on the average percentage of health care costs they cover.

Bronze plans typically have the lowest monthly premiums but higher out-of-pocket expenses when you need care. Silver plans offer a balance between the two, while Gold and Platinum have the most expensive premiums but lower out-of-pocket costs.

For individuals with incomes below 250% of the Federal Poverty Line, cost-sharing reductions are available on Silver plans. These reductions can lower the amount paid out of pocket for deductibles, copayments and co-insurance, making health care more affordable.

Cheapest Silver Plans in Washington

The most affordable Silver plan in Washington is the Community Health Plan of Washington Cascade Select Silver offered by Community Health Plan of Washington, with a monthly cost of $394.

The three most cost-effective Silver plans available in Washington are:

  • Community Health Plan of Washington Cascade Select Silver from Community Health Plan of Washington ($394 per month)
  • Ambetter Balanced Care 4 from Coordinated Care Corporation ($395 per month)
  • Ambetter Cascade Select Silver from Coordinated Care Corporation ($397 per month)

Silver plans are typically well-suited for individuals or families who expect to use moderate health care services. Those who qualify for cost-sharing reductions (CSRs) can benefit from lower deductibles, copays and an overall reduced out-of-pocket maximum, making health care more accessible and affordable.

Data filtered by:Results filtered by:
Age:
Age:40
Community Health Plan of Washington$394$9,200Community Health Plan of Washington Cascade Select Silver
Coordinated Care Corporation$395$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$397$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$416$9,200Ambetter Cascade Silver
Kaiser WA$445$9,175Virtual Plus Silver
Molina$457$7,725Constant Care Silver 1
UnitedHealthcare of OR$477$7,850UHC Silver Copay Focus
Regence BlueCross BlueShield of OR$477$9,200Regence Cascade Silver Legacy Network
UnitedHealthcare of OR$478$9,200UnitedHealthcare of Oregon, Inc. Cascade Silver
Molina$480$9,200Molina Cascade Silver
LifeWise WA$485$9,200LifeWise Cascade Select Silver
Regence BlueCross BlueShield of OR$526$9,200Regence Cascade Silver Individual and Family Network
PacificSource$534$7,750Navigator Silver 5000
Regence BlueShield$539$9,200Regence Cascade Silver
Kaiser Northwest$547$9,300KP WA Silver 750/35
Kaiser WA$549$9,200Flex Silver
Kaiser WA$554$9,200Kaiser Permanente Cascade Silver
Kaiser Northwest$561$9,200KP Cascade Silver
PacificSource$568$9,200PacificSource Cascade Silver
LifeWise WA$569$8,340LifeWise Essential Silver Low Deductible
LifeWise WA$583$9,200LifeWise Cascade Silver
BridgeSpan$601$9,200BridgeSpan Cascade Silver
Premera$716$6,950Premera Blue Cross Preferred Silver EPO 4500
Premera$723$9,200Premera Blue Cross Cascade Silver

Cheapest Gold Plans in Washington

The most affordable Gold tier health insurance plan in Washington is the Ambetter Clear Gold from Coordinated Care Corporation, with a monthly cost of $385.

Here are the three most cost-effective Gold plans available in Washington:

  • Ambetter Clear Gold from Coordinated Care Corporation ($385 per month)
  • Ambetter Secure Care 5 from Coordinated Care Corporation ($408 per month)
  • Ambetter Cascade Select Gold from Coordinated Care Corporation ($414 per month)

Gold plans cover a higher percentage of medical expenses, making them a good option for those with consistent prescription needs or who anticipate needing significant health care services.

Data filtered by:Results filtered by:
Age:
Age:40
Coordinated Care Corporation$385$8,700Ambetter Clear Gold
Coordinated Care Corporation$408$7,500Ambetter Secure Care 5
Coordinated Care Corporation$414$6,100Ambetter Cascade Select Gold
Community Health Plan of Washington$427$6,100Community Health Plan of Washington Cascade Select Gold
Coordinated Care Corporation$434$6,100Ambetter Cascade Gold
Molina$511$6,100Molina Cascade Gold
Kaiser Northwest$517$8,500KP WA Gold 1750/20
UnitedHealthcare of OR$547$7,500UHC Gold Advantage
Kaiser WA$552$7,900Flex Gold
Kaiser Northwest$563$8,200KP WA Gold 0/15
PacificSource$567$6,000Navigator Gold 2000
UnitedHealthcare of OR$579$6,100UnitedHealthcare of Oregon, Inc. Cascade Gold
Kaiser WA$582$6,100Kaiser Permanente Cascade Gold
Regence BlueShield$582$9,450Gold 2500
LifeWise WA$589$6,100LifeWise Cascade Select Gold
Kaiser Northwest$598$6,100KP Cascade Gold
Regence BlueCross BlueShield of OR$603$6,100Regence Cascade Gold Legacy Network
PacificSource$609$6,100PacificSource Cascade Gold
LifeWise WA$621$7,300LifeWise Essential Gold
Regence BlueCross BlueShield of OR$665$6,100Regence Cascade Gold Individual and Family Network
Regence BlueShield$681$6,100Regence Cascade Gold
LifeWise WA$710$6,100LifeWise Cascade Gold
BridgeSpan$761$6,100BridgeSpan Cascade Gold
Premera$801$6,800Premera Blue Cross Preferred Gold EPO 1500
Premera$919$6,100Premera Blue Cross Cascade Gold

Cheapest Bronze Plans in Washington

The most affordable Bronze plan in Washington is the Ambetter Essential Care 1 offered by Coordinated Care Corporation, with a monthly cost of $282.

Here are the three most affordable Bronze plans in Washington:

  • Ambetter Essential Care 1 from Coordinated Care Corporation ($282 per month)
  • Ambetter Cascade Select Bronze from Coordinated Care Corporation ($290 per month)
  • Community Health Plan of Washington Cascade Select Bronze from Community Health Plan of Washington ($296 per month)

Bronze plans typically have the lowest monthly premiums but higher out-of-pocket costs when you need care. They are a good fit for individuals who want to keep their monthly expenses low and are comfortable with the idea that they will pay more when they access medical services.

Data filtered by:Results filtered by:
Age:
Age:40
Coordinated Care Corporation$282$9,000Ambetter Essential Care 1
Coordinated Care Corporation$290$9,200Ambetter Cascade Select Bronze
Community Health Plan of Washington$296$9,200Community Health Plan of Washington Cascade Select Bronze
Coordinated Care Corporation$304$9,200Ambetter Cascade Bronze
LifeWise WA$347$9,200LifeWise Cascade Select Bronze
Coordinated Care Corporation$350$9,250Ambetter Essential Care: $0 Medical Deductible
Regence BlueCross BlueShield of OR$358$9,450Bronze Essential 8500 Legacy
Kaiser WA$362$9,450Virtual Plus Bronze
Molina$367$9,200Molina Cascade Bronze
UnitedHealthcare of OR$376$8,050UHC Bronze Value HSA
Kaiser Northwest$376$9,100KP WA Bronze 9100/75
Regence BlueCross BlueShield of OR$378$9,200Regence Cascade Bronze Legacy Network
UnitedHealthcare of OR$379$9,200UnitedHealthcare of Oregon, Inc. Cascade Bronze
Kaiser Northwest$388$9,200KP Cascade Bronze
Kaiser Northwest$390$7,100KP WA Bronze 7100/0% HSA
PacificSource$398$7,500Navigator Bronze HSA 7500
Regence BlueShield$404$9,450Bronze Essential 8500
LifeWise WA$406$8,900LifeWise Essential Bronze
PacificSource$411$8,700Navigator Bronze 7000
LifeWise WA$414$9,200LifeWise Cascade Bronze
Regence BlueCross BlueShield of OR$417$9,200Regence Cascade Bronze Individual and Family Network
LifeWise WA$418$7,400LifeWise Essential Bronze HSA
Kaiser WA$421$9,200Flex Bronze
PacificSource$421$9,200PacificSource Cascade Bronze
Kaiser WA$426$9,200Kaiser Permanente Cascade Bronze
Regence BlueShield$427$9,200Regence Cascade Bronze
Kaiser WA$427$7,250Bronze HSA
BridgeSpan$450$9,450Bronze Essential 8500
BridgeSpan$476$9,200BridgeSpan Cascade Bronze
Premera$524$9,200Premera Blue Cross Cascade Bronze
Premera$525$8,475Premera Blue Cross Preferred Bronze EPO 6650
Premera$534$7,200Premera Blue Cross Preferred Bronze HSA EPO 6400

Cheapest Catastrophic Plans in Washington

The most affordable Catastrophic plan in Washington is the Basics Plus Catastrophic offered by Kaiser WA, with a monthly cost of $267. This is the only Catastrophic plan available in the state.

Catastrophic plans are designed for young adults under 30 or those with a hardship exemption. They have low premiums but high out-of-pocket costs, making them ideal for people who want to minimize monthly expenses but ensure they have a safety net for major medical events.

Data filtered by:Results filtered by:
Age:
Age:26
Kaiser WA$267$9,450Basics Plus Catastrophic
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower out-of-pocket costs for eligible individuals enrolled in Silver health insurance plans. To qualify, a person must earn between 100% and 250% of the federal poverty level. CSRs reduce deductibles, co-payments and the maximum amount you pay for healthcare services yearly. For example, without CSR, the plan's MOOP might be $6,500, but with a CSR, that cost could drop to $2,500, significantly lowering potential expenses.

Cheapest Health Insurance in Washington by Plan Type

In Washington, HMO (Health Maintenance Organization) plans are the most popular option. Aside from HMO plans, Washington residents also have access to EPO and PPO plans.

The most affordable health plans in Washington by type are:

HMO: Ambetter Balanced Care 4 from Coordinated Care Corporation ($395 per month) EPO: Community Health Plan of Washington Cascade Select Silver from Community Health Plan of Washington ($394 per month) PPO: Navigator Silver 5000 from PacificSource ($534 per month)

Data filtered by:Results filtered by:
Age:
Age:40
Plan Type:
Plan Type:HMO
Coordinated Care Corporation$395$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$397$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$416$9,200Ambetter Cascade Silver
Kaiser WA$445$9,175Virtual Plus Silver
Molina$457$7,725Constant Care Silver 1
Molina$480$9,200Molina Cascade Silver
Kaiser WA$549$9,200Flex Silver
Kaiser WA$554$9,200Kaiser Permanente Cascade Silver
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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

The most common plan type in Washington is the Health Maintenance Organization (HMO). Other plan types available in Washington include Exclusive Provider Organization (EPO) plans and Preferred Provider Organization (PPO) plans.

Here are the differences between these plan types:

  • Health Maintenance Organization (HMO): HMO plans require members to select a primary care physician (PCP) and get referrals to see specialists. They often have lower premiums and out-of-pocket costs than other plans but offer less freedom to see out-of-network doctors, which could result in higher costs or denial of service outside the HMO network.

  • Exclusive Provider Organization (EPO): EPO plans offer a network of providers that members are required to use, except in emergencies, similar to an HMO, but do not usually require choosing a PCP or getting referrals to see specialists. These plans can offer a balance between cost and provider choice, providing more flexibility than HMOs but typically less than PPOs. They often have costs similar to or slightly higher than HMOs, depending on the specific plan.

  • Preferred Provider Organization (PPO): PPO plans provide the most flexibility in choosing health care providers, allowing members to see both in-network and out-of-network providers without a referral, but seeing out-of-network providers will typically result in higher out-of-pocket costs. They often have higher premiums and out-of-pocket costs than HMOs and EPOs, reflecting the increased flexibility and wider choice of providers, which can benefit those who need or prefer more options in their health care services.

Cheapest Health Insurance in Washington by County

Health insurance rates and availability of certain plans vary by county. For example, consider the most affordable plans in the largest and smallest counties in Washington:

  • King: Ambetter Cascade Select Silver from Coordinated Care Corporation ($399 per month)
  • Garfield: Ambetter Cascade Select Silver from Coordinated Care Corporation ($380 per month)

The following table shows all available plans in each county in Washington.

Data filtered by:Results filtered by:
county_name:
county_name:
Coordinated Care Corporation$380$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$380$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$380$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$380$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$380$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$381$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$381$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$381$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$381$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$381$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$385$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$385$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$385$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$385$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$386$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$387$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$387$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$387$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$387$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$387$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$387$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$387$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$387$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$388$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$388$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$388$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$388$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$388$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$388$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$388$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$388$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$391$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$391$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$391$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$399$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$400$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$406$9,200Ambetter Cascade Silver
Coordinated Care Corporation$406$9,200Ambetter Cascade Silver
Coordinated Care Corporation$406$9,200Ambetter Cascade Silver
Coordinated Care Corporation$406$9,200Ambetter Cascade Silver
Coordinated Care Corporation$406$9,200Ambetter Cascade Silver
Coordinated Care Corporation$411$9,200Ambetter Cascade Silver
Coordinated Care Corporation$411$9,200Ambetter Cascade Silver
Coordinated Care Corporation$411$9,200Ambetter Cascade Silver
Coordinated Care Corporation$434$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$434$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$434$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$434$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$434$9,200Ambetter Cascade Select Silver
Coordinated Care Corporation$435$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$435$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$435$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$435$8,150Ambetter Balanced Care 4
Coordinated Care Corporation$435$8,150Ambetter Balanced Care 4
Molina$500$7,725Constant Care Silver 1
Molina$500$7,725Constant Care Silver 1
Molina$500$7,725Constant Care Silver 1
Molina$526$9,200Molina Cascade Silver
Molina$526$9,200Molina Cascade Silver
Molina$526$9,200Molina Cascade Silver
Kaiser WA$551$9,200Flex Silver
Kaiser WA$551$9,200Flex Silver
Kaiser WA$551$9,200Flex Silver
Kaiser WA$551$9,200Flex Silver
Kaiser WA$551$9,200Flex Silver
Kaiser WA$574$9,200Kaiser Permanente Cascade Silver
Kaiser WA$574$9,200Kaiser Permanente Cascade Silver
Kaiser WA$574$9,200Kaiser Permanente Cascade Silver
Kaiser WA$574$9,200Kaiser Permanente Cascade Silver
Kaiser WA$574$9,200Kaiser Permanente Cascade Silver

Health Insurance Costs in Washington by Age and Metal Tier

In Washington, age affects health insurance rates. A Silver plan for an 18-year-old costs $362, while a 60-year-old pays $846 for the same tier — a difference of $484. Health insurance prices increase with age in each metal tier due to higher health risks as one gets older.

Metal tiers indicate the level of cost-sharing between the insurer and the insured, which also impacts the cost. For example, Bronze plan for a 40-year-old costs $385, but upgrading to a Gold plan raises the price to $549. The $164 difference gets a 40-year-old broader coverage and lower out-of-pocket expenses with the Gold plan than with the Bronze plan.

Health Insurance Costs in Washington by Age and Metal Tier

What to Know About Health Insurance in Washington

MoneyGeek analyzed every health insurance option in Washington, including Bronze, Silver and Gold plans on the private insurance in the marketplace, as well as Medicaid and Medicare.

Private Health Insurance in the Washington Marketplace

The open enrollment period in Washington State typically runs from November 1st through January 15th. During this time, residents can shop for private health insurance coverage through the Washington Health Benefit Exchange. Individuals can compare plans and select the one that best fits their needs and budget. If you miss the January 15th deadline, you might have to wait until the next open enrollment unless you experience a qualifying life event, such as marriage, having a child or losing other coverage, which makes you eligible for a special enrollment period. During this special period, you can enroll or change your health insurance plan outside the usual open enrollment window.

Medicaid in Washington

Medicaid is a health care program in the United States providing medical assistance to low-income individuals and families. In Washington State, eligibility depends on factors such as income, family size, disability and pregnancy status. The program is jointly funded by the federal government and the state, with Washington administering its own Medicaid program to meet the needs of its residents within federal guidelines. Eligibility requirements and benefits can vary, so residents must apply to determine if they qualify for coverage under the program.

Medicare in Washington

Medicare is a federal health care program primarily for individuals who are 65 or older, as well as for younger people with certain disabilities or conditions. In Washington, residents who meet these criteria are eligible for Medicare. The program is divided into parts: Part A provides hospital insurance covering inpatient care, skilled nursing facilities, hospice and home health services. Part B covers outpatient care, such as doctor visits, preventive services and medical equipment. Part C, also known as Medicare Advantage, includes all benefits and services covered under Parts A and B, often with additional benefits like dental, vision or prescription drugs, provided through private insurers. Part D offers prescription drug coverage, also through private insurance companies.

MoneyGeek found the best Medicare Advantage Plans in Washington and the best Medicare Supplement plans in Washington.

Washington Health Insurance FAQ

When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Washington to help you learn more.

What are the cheapest Silver and Gold plans in Washington for 2024?
What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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