Washington ACA health insurance plans for 2026.
Washington runs its own state-based Marketplace, Washington Healthplanfinder, separate from HealthCare.gov. We compare every on-exchange carrier in your county — Premera, Regence, Kaiser Permanente, Molina, Coordinated Care (Centene), UnitedHealthcare — and check your doctor's network before you enroll.
Washington's ACA Marketplace
Washington runs its own state-based Marketplace, Washington Healthplanfinder, separate from HealthCare.gov.
Most Washingtonians qualify for federal premium tax credits, plus Cascade Care Savings (state subsidies) further reduce costs for moderate-income residents.
2026 Washington Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 Washington on-exchange carriers include: Premera, Regence, Kaiser Permanente, Molina, Coordinated Care (Centene), UnitedHealthcare.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in Washington
Washington expanded Apple Health (Medicaid) under the ACA. Adults under 138% FPL generally qualify — no Washington coverage gap.
Washington ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
Washington counties we cover
All 39 Washington counties.
Ready to enroll in Washington ACA coverage?
Free, no pressure. Licensed in Washington and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.