Find Affordable Coverage in Washington
Licensed agents compare all Washington Marketplace plans at no cost to you. See your subsidy in 2 minutes.
Compare Washington ACA Plans →* Referral compensation may apply. Cost to you: $0.
Washington ACA Marketplace Overview
In 2026, approximately 270,000 Washington residents are enrolled in ACA Marketplace coverage. Washington uses its own state-run exchange for health insurance enrollment.
Washington has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Washington?
The benchmark Silver plan (second-lowest-cost Silver plan) in Washington costs approximately $388/month before subsidies in 2026. However, most Washington residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Washington households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Washington household income.
Top ACA Health Insurance Companies in Washington
The following carriers offer ACA Marketplace plans in Washington for 2026:
- Kaiser Permanente
- Regence
- Premera Blue Cross
Plan availability varies by county in Washington. Use Washington Healthplanfinder to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Washington
- Bronze: Lowest premiums, highest deductibles. Best for healthy Washington residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Washington households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Washington residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Washington counties.
When to Enroll in Washington
- Open Enrollment: November 1 – January 15 on Washington Healthplanfinder
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Washington Insurance Resources
- Washington Healthplanfinder — Official Washington enrollment portal
- Washington Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit