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The best health insurance in Washington state can depend on various factors such as cost, coverage, and customer satisfaction.

Several health insurance providers are highly rated in Washington state, including Kaiser Permanente, PacificSource Health Plans, and Community Health Plan of Washington.

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Kaiser Permanente is particularly well-regarded, with a rating of five out of five stars from Washington Healthplanfinder. 

PacificSource Health Plans is also highly rated, offering low maximum out-of-pocket costs. 

Additionally, the Community Health Plan of Washington is recommended for its affordable monthly premiums.

Best Health Insurance In Washington State

UnitedHealthcare

UnitedHealthcare is one of the largest health insurance providers in the United States, offering a variety of plans for individuals, families, and businesses.

UnitedHealthcare

Types of Plans:

  • Individual and family plans: These plans are designed for people who don’t get health insurance through their employer. They come in a variety of metal tiers (bronze, silver, gold, and platinum), which offer different levels of coverage and cost.
  • Employer-sponsored plans: UnitedHealthcare offers a variety of plans for businesses of all sizes. These plans can be customized to meet the needs of the employer and their employees.
  • Medicare plans: UnitedHealthcare offers Medicare Advantage plans, which are an alternative to traditional Medicare. These plans provide all of the benefits of Original Medicare, plus additional benefits like dental, vision, and hearing coverage.
  • Medicaid plans: UnitedHealthcare offers Medicaid plans in some states. These plans are for people with low income who qualify for Medicaid.

Benefits:

  • UnitedHealthcare plans cover a wide range of benefits, including preventive care, doctor visits, hospitalization, and prescription drugs.
  • The specific benefits that are covered will vary depending on the plan you choose.
  • You can find more information about the benefits covered by each plan on the UnitedHealthcare website.

Costs:

  • The cost of UnitedHealthcare plans will vary depending on the type of plan you choose, your age, location, and health status.
  • You can get a quote for a plan on the UnitedHealthcare website.

How to Enroll:

  • You can enroll in a UnitedHealthcare plan online, by phone, or through a broker.
  • You can also enroll in a plan during the Open Enrollment period, which is from November 1 to December 15 each year.

Ambetter from Coordinated Care

Ambetter from Coordinated Care is a health insurance company that offers Marketplace plans in several states, including Washington.

They are a subsidiary of Coordinated Care, a non-profit health plan company. Ambetter plans are known for being affordable, and they offer a variety of coverage options to meet the needs of different individuals and families.

Ambetter from Coordinated Care

Types of Plans Offered

  • Bronze plans: These plans have the lowest monthly premiums, but they also have the highest deductibles and out-of-pocket costs.
  • Silver plans: These plans have higher monthly premiums than bronze plans, but they also have lower deductibles and out-of-pocket costs.
  • Gold plans: These plans have the highest monthly premiums, but they also have the lowest deductibles and out-of-pocket costs.

Benefits

  • Preventive care: This includes things like annual checkups, immunizations, and screenings.
  • Doctor visits: This includes visits to both in-network and out-of-network doctors.
  • Hospitalization: This includes coverage for inpatient and outpatient hospital stays.
  • Prescription drugs: This includes coverage for both generic and brand-name prescription drugs.

Costs

The cost of Ambetter plans will vary depending on the type of plan you choose, your age, location, and health status.

Community Health Plan of Washington

The Community Health Plan of Washington (CHPW) is a non-profit, member-governed health insurance company that serves over 650,000 members across the state of Washington.

Community Health Plan of Washington
  • Apple Health (Medicaid): CHPW offers Apple Health coverage for children, adults, pregnant women, people with disabilities, and low-income individuals and families.
  • Medicare Advantage: CHPW offers Medicare Advantage plans for people who are eligible for Medicare. These plans combine Medicare Part A and Part B coverage into one plan, and they often offer additional benefits like dental, vision, and hearing coverage.
  • Cascade Select: CHPW offers Cascade Select plans for individuals and families who do not qualify for Apple Health or Medicare. These plans are available on the Washington HealthPlanFinder.

Benefits

  • Preventive care: This includes things like annual checkups, immunizations, and screenings.
  • Doctor visits: This includes visits to both in-network and out-of-network doctors.
  • Hospitalization: This includes coverage for inpatient and outpatient hospital stays.
  • Prescription drugs: This includes coverage for both generic and brand-name prescription drugs.
  • Behavioral health and mental health services: This includes coverage for therapy, counseling, and addiction treatment.
  • Dental and vision care: This is available for some plans.

Costs

The cost of CHPW plans will vary depending on the type of plan you choose, your age, location, and health status.

Molina

Molina Healthcare is a FORTUNE 500 managed care company that provides health insurance to individuals through government programs such as Medicaid and Medicare.

Founded in 1980, the company has grown to serve over 5 million members across the United States, with a significant presence in California, Florida, Illinois, Michigan, New Mexico, Ohio, Puerto Rico, Texas, Virginia, and Washington.

Molina Healthcare is known for its focus on serving low-income and underserved communities and has consistently received high marks for its member satisfaction and quality of care.

Molina

Types of Plans Offered

  • Medicaid plans: These plans are available to low-income individuals and families who qualify for Medicaid. Molina Healthcare is a leading provider of Medicaid plans in the United States.
  • Medicare Advantage plans: These plans are an alternative to traditional Medicare, and they offer a variety of benefits that are not covered by traditional Medicare, such as dental, vision, and hearing coverage.
  • Marketplace plans: These plans are available to individuals and families who purchase their health insurance through the health insurance marketplace.

Benefits

  • Preventive care: This includes things like annual checkups, immunizations, and screenings.
  • Doctor visits: This includes visits to both in-network and out-of-network doctors.
  • Hospitalization: This includes coverage for inpatient and outpatient hospital stays.
  • Prescription drugs: This includes coverage for both generic and brand-name prescription drugs.
  • Behavioral health and mental health services: This includes coverage for therapy, counseling, and addiction treatment.
  • Dental and vision care: This is available for some plans.

Costs

The cost of Molina Healthcare plans will vary depending on the type of plan you choose, your age, location, and health status.

Regence BlueShield

Regence BlueShield is a health insurance company operating in Idaho, Oregon, Utah, and select counties of Washington.

It’s an independent licensee of the Blue Cross and Blue Shield Association, offering various plans for individuals, families, and employer groups.

Regence BlueShield

Types of Plans:

  • Individual & Family Plans: Regence offers a variety of plans categorized by metal tiers (bronze, silver, gold, and platinum) with different levels of coverage and costs. They also offer specialized plans for specific needs, like student health plans or catastrophic plans.
  • Medicare Plans: They provide various Medicare Advantage plans for people eligible for Medicare, combining Part A and Part B coverage with additional benefits like dental, vision, and hearing.
  • Employer Group Plans: Regence offers comprehensive health insurance solutions for businesses of various sizes, catering to their specific needs and budgets.

Benefits:

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  • Extensive Network: Regence boasts a vast network of doctors, hospitals, and other healthcare providers across their service areas.
  • Preventive Care Coverage: Their plans usually cover preventive care services like annual checkups, immunizations, and screenings.
  • Prescription Drug Coverage: Most plans offer prescription drug coverage with varying formularies and tiers.
  • Additional Benefits: Depending on the plan, coverage may extend to behavioral health, vision, dental, or other ancillary services.
  • Member Resources: Regence provides online tools and resources like a member portal, doctor finder, and claims tracking.

Costs:

  • Plan type: Metal tier, Medicare Advantage plan, or employer group plan.
  • Location: Premiums vary based on your zip code and service area.
  • Age and health status: Younger and healthier individuals generally pay lower premiums.
  • Deductible and coverage options: Higher deductibles lower monthly premiums but require more out-of-pocket costs before coverage kicks in.

PacificSource

PacificSource Health Insurance is a non-profit, member-owned health insurance company operating in Oregon, Washington, Idaho, and Montana.

Established in 1935, they offer a variety of health insurance plans for individuals, families, and employer groups.

PacificSource

Types of Plans:

  • Individual & Family Plans: PacificSource offers various plans categorized by metal tiers (bronze, silver, gold, and platinum) with different levels of coverage and costs. You can also find specialized plans for specific needs, like student health plans or Medicare Advantage plans.
  • Employer Group Plans: PacificSource provides comprehensive health insurance solutions for businesses of various sizes, catering to their specific needs and budgets.
  • Dental Plans: They offer standalone dental plans for individuals and families, providing coverage for preventive care, fillings, and other dental procedures.
  • Medicare Advantage Plans: PacificSource provides Medicare Advantage plans for people eligible for Medicare, combining Part A and Part B coverage with additional benefits like dental, vision, and hearing.

Benefits:

  • Extensive Network: PacificSource boasts a vast network of doctors, hospitals, and other healthcare providers across their service areas.
  • Preventive Care Coverage: Their plans typically cover preventive care services like annual checkups, immunizations, and screenings.
  • Prescription Drug Coverage: Most plans offer prescription drug coverage with varying formularies and tiers.
  • Additional Benefits: Depending on the plan, coverage may extend to behavioral health, vision, dental, or other ancillary services.
  • Wellness Programs: PacificSource offers various wellness programs and resources to help members stay healthy and manage their health conditions.
  • Member Resources: They provide online tools and resources like a member portal, doctor finder, and claims tracking.

Costs:

  • Plan type: Metal tier, Medicare Advantage plan, dental plan, or employer group plan.
  • Location: Premiums vary based on your zip code and service area.
  • Age and health status: Younger and healthier individuals generally pay lower premiums.
  • Deductible and coverage options: Higher deductibles lower monthly premiums but require more out-of-pocket costs before coverage kicks in.

Lifewise Health Plan of Washington

Lifewise Health Plan of Washington is a non-profit, member-owned health insurance company serving 35 counties in Washington state.

They offer individual and family health plans as well as Medicare Advantage plans.

Lifewise Health Plan of Washington

Types of Plans:

  • Individual & Family Plans: Available in Bronze, Silver, and Gold tiers, offering different levels of coverage and costs. They also offer a cost-sharing reduction program for eligible individuals and families.
  • Medicare Advantage Plans: Combine Medicare Part A and Part B coverage with additional benefits like dental, vision, and hearing.

Benefits:

  • Free preventive care: Includes preventive screenings, annual wellness visits, and immunizations.
  • No referrals needed: See any in-network doctor or specialist without a referral.
  • 24/7 NurseLine: Access nurses by phone for health advice and support.
  • Virtual care: Consult with doctors and therapists virtually for convenience.
  • Member discounts: Receive discounts on prescriptions, fitness memberships, and more.

Costs:

  • Plan type: Metal tier or Medicare Advantage.
  • Location: Premiums vary by county.
  • Age and health status: Younger and healthier individuals generally pay lower premiums.
  • Deductible and coverage options: Higher deductibles lower monthly premiums but require more out-of-pocket costs before coverage kicks in.

BridgeSpan

BridgeSpan Health Insurance is a relatively new player in the health insurance market, specifically serving individuals and families residing in Oregon and Washington.

They offer plans through the health insurance exchange marketplaces in these states, focusing on personalization and affordability.

BridgeSpan

Overview:

  • Launched in 2015 through a partnership between Cambia Health Solutions and non-profit organizations.
  • Mission: To make healthcare and insurance easier to understand and access, offering personalized plans at affordable costs.
  • Serves: Individuals and families in Oregon and Washington.

Types of Plans:

  • Offer various plans categorized by metal tiers (bronze, silver, gold, and platinum) with different levels of coverage and costs.
  • Focus on plans tailored to specific needs and lifestyles, such as plans for young adults, families with children, or individuals with chronic conditions.
  • Plans typically cover preventive care, doctor visits, hospitalizations, and prescription drugs. Some plans may offer additional benefits like dental or vision coverage.

Key Features:

  • Online tools and resources: Members have access to an online portal for managing their accounts, viewing claims, and finding in-network providers.
  • Member support: BridgeSpan offers personalized support to help members choose the right plan and navigate the healthcare system.
  • Discounts and rewards: Members can access discounts on prescriptions, fitness memberships, and other wellness programs.
  • Strong focus on preventive care: Plans typically cover preventive care services like immunizations and annual checkups at 100%, with no copay or out-of-pocket costs when using in-network providers.

Costs:

BridgeSpan plans are known for being competitively priced. The cost of your plan will depend on several factors, including:

  • Plan type: Metal tier and specific plan features.
  • Location: Premiums vary based on your zip code.
  • Age and health status: Younger and healthier individuals generally pay lower premiums.
  • Deductible and coverage options: Higher deductibles lower monthly premiums but require more out-of-pocket costs before coverage kicks in.

Premera

Premera Blue Cross is an independent licensee of the Blue Cross Blue Shield Association. They offer a variety of health insurance plans for individuals, families, and employer groups.

Their plans are known for their wide network of providers and comprehensive coverage options.

Premera

Types of Plans Offered

  • Individual and Family Plans: Premera offers a variety of individual and family plans, including Bronze, Silver, Gold, and Platinum plans. They also offer a variety of specialized plans, such as student health plans and catastrophic plans.
  • Medicare Advantage Plans: Premera offers Medicare Advantage plans for people who are eligible for Medicare. These plans combine Medicare Part A and Part B coverage into one plan, and they often offer additional benefits like dental, vision, and hearing coverage.
  • Employer Group Plans: Premera offers a variety of health insurance plans for employer groups of all sizes. They offer a variety of plan designs and features to meet the needs of different businesses.

Benefits

  • Preventive care: This includes things like annual checkups, immunizations, and screenings.
  • Doctor visits: This includes visits to both in-network and out-of-network doctors.
  • Hospitalization: This includes coverage for inpatient and outpatient hospital stays.
  • Prescription drugs: This includes coverage for both generic and brand-name prescription drugs.
  • Behavioral health and mental health services: This includes coverage for therapy, counseling, and addiction treatment.
  • Dental and vision care: This is available for some plans.

Costs

The cost of Premera Blue Cross plans will vary depending on the type of plan you choose, your age, location, and health status.

You can get a quote for a plan on the Premera Blue Cross website.

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