Health Insurance in Adams County, WA — 2026 Plans & Premiums
28 ACA marketplace plans are available in Adams County, WA, from 3 insurers. The cheapest plan starts at $326.89/month before subsidies.
28
Plans Available
$326.89
Cheapest Plan/mo
3
Insurers
Washington Healthplanfinder
Exchange
Insurers Serving Adams
Plans Available in Adams
Sorted by monthly premium · 30-year-old · Before subsidies
Ambetter from Coordinated Care Ambetter Cascade Select Bronze
Ambetter from Coordinated Care
$326.89/mo
Ded: $6,000
Community Health Plan Community Health Plan of Washington Cascade Select Bronze
Community Health Plan
$327.67/mo
Ded: $6,000
LifeWise Health Plan of WA LifeWise Cascade Select Bronze
LifeWise Health Plan of WA
$359.56/mo
Ded: $6,000
Ambetter from Coordinated Care Ambetter Cascade Select Vital Gold
Ambetter from Coordinated Care
$414.40/mo
Ded: $1,900
Community Health Plan Community Health Plan of Washington Cascade Select Vital Gold
Community Health Plan
$416.91/mo
Ded: $1,900
Ambetter from Coordinated Care Ambetter Secure Care 5
Ambetter from Coordinated Care
$429.39/mo
Ded: $1,450
Ambetter from Coordinated Care Ambetter Cascade Vital Gold
Ambetter from Coordinated Care
$432.78/mo
Ded: $1,900
Ambetter from Coordinated Care Ambetter Cascade Select Complete Gold
Ambetter from Coordinated Care
$443.43/mo
Ded: $1,000
Average Premiums in Adams
Avg Bronze Plan
$438/mo
7 plans
Avg Silver (Subsidy Benchmark)
$648/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in Washington
What is the health insurance marketplace in Washington?
The Washington (WA) health insurance marketplace is Washington Healthplanfinder (https://www.wahealthplanfinder.org/), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 28 plans with live premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Washington?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Washington start from $326.89/month before subsidies.
Which Medicaid plan is best in Washington?
There is no single "best" Medicaid plan in Washington — Medicaid is administered through MCOs such as Premera Blue Cross, Regence BlueShield, Kaiser Permanente. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at Washington Healthplanfinder. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Washington?
Short-term health insurance is sold outside the ACA Marketplace in Washington by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Washington Healthplanfinder during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in Washington State?
Health insurance in Washington State starts as low as $326.89/month for a 30-year-old on a Bronze plan before subsidies. Most Washington residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in Washington State for 2026?
The cheapest ACA option in Washington State for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Washington plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Washington for ACA plans?
Open Enrollment for Washington residents runs from November 1 through January 15. Washington runs its own exchange (Washington Healthplanfinder), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Washington?
Bronze-tier plans in Washington start as low as $326.89/month for a 30-year-old before subsidies. With APTC tax credits, many Washington residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Washington use HealthCare.gov or its own state exchange?
Washington runs its own state-based Marketplace called Washington Healthplanfinder (https://www.wahealthplanfinder.org/). You enroll there directly — not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Washington, not the federal government.
Has Washington expanded Medicaid under the ACA?
Yes. Washington has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in Washington?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Washington residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the Washington Healthplanfinder subsidy calculator for your exact estimate.
What are the metal tiers in Washington (Bronze, Silver, Gold, Platinum)?
Washington ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Washington?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Washington through Washington Healthplanfinder. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Washington ACA plans cover dental and vision?
Washington ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Washington plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Washington Healthplanfinder or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Washington?
Outside Open Enrollment, Washington residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Washington Healthplanfinder.
How do I find in-network doctors and hospitals in Washington?
Each Washington ACA plan has its own provider network. Before enrolling, look up the plan on Washington Healthplanfinder, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Adams
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Adams compares to the Washington state average.
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