A quality health insurance policy can help ensure that you’re able to get the healthcare you need, but it’s important that the policy offers the coverage that you need at a price you can afford. When you start comparing different plan tiers, deductibles, and premiums, shopping for health insurance in Washington can get confusing.
That’s why we’ve outlined the details you need to know when you shop. Here’s how to find affordable health insurance in Washington.
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Many factors affect the cost of health insurance in Washington, and one of the largest factors is the plan tier that you choose. When you shop, you can select from Bronze, Silver, Gold, and Platinum tier plans. Bronze plans offer some of the most affordable premiums, but when you do need care, their deductibles are more expensive. Gold tier plans have higher premiums but lower deductibles, so they’re often preferred by people who know they’ll have significant healthcare needs.
Average Premium for Health Insurance in Washington | |
Most Affordable Bronze Plan | $287 |
Most Affordable Silver Plan | $382 |
Most Affordable Gold Plan | $407 |
When you shop for health insurance, you could potentially save money by choosing an employer-sponsored plan, if you are eligible for one. The average cost of employer-sponsored health insurance in Washington is $1,314 per year.
Your plan costs will also depend on your age, health status, and number of dependents. Since these individual factors can cause prices to vary so much, getting a personalized quote will give you the most accurate idea of what you’ll pay for insurance. You can get a free health insurance quote from ConsumerCoverage today.
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Washington also offers several health insurance plans for low-income individuals and families.
Washington Medicaid
Apple Health, Washington’s Medicaid program, helps to cover expenses like medications, hospital stays, and routine care. To qualify, applicants must be over age 65 or disabled, caring for a family member with a disability, or responsible for children under age 18. Applicants must also meet an income requirement. Individuals can make no more than $17,131 per year.
Washington CHIP
The Washington CHIP program offers coverage for children whose families may make too much to qualify for Apple Health. This program also offers coverage to pregnant women. The coverage helps to pay for expenses like emergency care, dental care, mental health services, and prenatal care.
Washington Medicare
Seniors age 65 and up and those with qualifying disabilities may be eligible for Washington’s Medicare program. Several Medicare options are available, including Original Medicare and Medicare Advantage plans, to help cover expenses like hospital stays, preventative care, and prescription medications.
As you shop for health insurance, taking the time to compare plans and prices can help you to find the right coverage for the best price. To get started, get a free, personalized quote from ConsumerCoverage to start exploring your health insurance options.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
