Health Insurance Plans in Washington
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| Plan Name | On or Off Exchange | Plan eligible for subsidy? | Metal Level | Deductible (individual/family) | Out-of-pocket Max (individual/family) | |
|---|---|---|---|---|---|---|
| Bronze Essential 8500 by BridgeSpan Health Company | Off | Bronze | $8,500 / $17,000 | $9,200 / $18,400 | Price & Details | |
| Ambetter Cascade Select Bronze by Ambetter from Coordinated Care | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| Bronze Essential 8700 by Asuris Northwest Health | Off | Bronze | $8,700 / $17,400 | $9,200 / $18,400 | Price & Details | |
| BridgeSpan Cascade Bronze by BridgeSpan Health Company | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| Ambetter Cascade Bronze by Ambetter from Coordinated Care | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| Bronze HSA 7250 by Asuris Northwest Health | Off | Bronze | $7,250 / $14,500 | $8,050 / $16,100 | Price & Details | |
| Bronze 8000 by Asuris Northwest Health | Off | Bronze | $8,000 / $16,000 | $9,200 / $18,400 | Price & Details | |
| UHC Bronze Value HSA by UnitedHealthcare of Oregon, Inc. | Off | Bronze | $6,300 / $12,600 | $8,050 / $16,100 | Price & Details | |
| Providence Columbia 8900 Bronze by Providence Health Plan | Off | Bronze | $8,900 / $17,800 | $8,900 / $17,800 | Price & Details | |
| Bronze HSA 7250 by Regence BlueShield | Off | Bronze | $7,250 / $14,500 | $8,050 / $16,100 | Price & Details | |
| Regence Cascade Bronze Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| UnitedHealthcare of Oregon, Inc. Cascade Bronze by UnitedHealthcare of Oregon, Inc. | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| Bronze Essential 8500 by Regence BlueShield | Off | Bronze | $8,500 / $17,000 | $9,200 / $18,400 | Price & Details | |
| Bronze Essential 8700 by Regence BlueShield | Off | Bronze | $8,700 / $17,400 | $9,200 / $18,400 | Price & Details | |
| Regence Cascade Bronze Legacy Network by Regence BlueCross BlueShield Of Oregon | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| Bronze HSA 7000 by Regence BlueShield | Off | Bronze | $7,000 / $14,000 | $8,050 / $16,100 | Price & Details | |
| Bronze Essential 8500 Legacy Network by Regence BlueCross BlueShield Of Oregon | Off | Bronze | $8,500 / $17,000 | $9,200 / $18,400 | Price & Details | |
| Bronze Essential 8700 Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Bronze | $8,700 / $17,400 | $9,200 / $18,400 | Price & Details | |
| Bronze HSA 7250 Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Bronze | $7,250 / $14,500 | $8,050 / $16,100 | Price & Details | |
| Bronze HSA 7000 Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Bronze | $7,000 / $14,000 | $8,050 / $16,100 | Price & Details | |
| Ambetter Essential Care: $0 Medical Deductible by Ambetter from Coordinated Care | Off | Bronze | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Ambetter Essential Care 1 by Ambetter from Coordinated Care | Off | Bronze | $9,000 / $18,000 | $9,000 / $18,000 | Price & Details | |
| Regence Cascade Bronze by Regence BlueShield | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| Bronze 8000 Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Bronze | $8,000 / $16,000 | $9,200 / $18,400 | Price & Details | |
| Bronze 8000 by Regence BlueShield | Off | Bronze | $8,000 / $16,000 | $9,200 / $18,400 | Price & Details | |
| Ambetter Balanced Care 4 by Ambetter from Coordinated Care | Off | Silver | $8,050 / $16,100 | $8,050 / $16,100 | Price & Details | |
| Silver 5000 by Asuris Northwest Health | Off | Silver | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Silver 5000 by Regence BlueShield | Off | Silver | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Providence Columbia 5000 Silver by Providence Health Plan | Off | Silver | $5,000 / $10,000 | $8,900 / $17,800 | Price & Details | |
| Regence Cascade Silver by Regence BlueShield | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| UHC Silver Copay Focus by UnitedHealthcare of Oregon, Inc. | Off | Silver | $0 / $0 | $7,850 / $15,700 | Price & Details | |
| UnitedHealthcare of Oregon, Inc. Cascade Silver by UnitedHealthcare of Oregon, Inc. | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| Silver 5000 Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Silver | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Ambetter Cascade Silver by Ambetter from Coordinated Care | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| Silver HSA 4000 by Regence BlueShield | Off | Silver | $4,000 / $8,000 | $8,050 / $16,100 | Price & Details | |
| Regence Cascade Silver Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| Ambetter Cascade Select Silver by Ambetter from Coordinated Care | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| Regence Cascade Silver Legacy Network by Regence BlueCross BlueShield Of Oregon | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| BridgeSpan Cascade Silver by BridgeSpan Health Company | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| Gold 2300 by Regence BlueShield | Off | Gold | $2,300 / $4,600 | $9,200 / $18,400 | Price & Details | |
| Ambetter Clear Gold by Ambetter from Coordinated Care | Off | Gold | $900 / $1,800 | $8,400 / $16,800 | Price & Details | |
| Ambetter Cascade Gold by Ambetter from Coordinated Care | Off | Gold | $600 / $1,200 | $7,000 / $14,000 | Price & Details | |
| Gold 2000 by Asuris Northwest Health | Off | Gold | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Providence Columbia 1500 Gold by Providence Health Plan | Off | Gold | $1,500 / $3,000 | $8,200 / $16,400 | Price & Details | |
| Regence Cascade Gold by Regence BlueShield | Off | Gold | $600 / $1,200 | $7,000 / $14,000 | Price & Details | |
| Regence Cascade Gold Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Gold | $600 / $1,200 | $7,000 / $14,000 | Price & Details | |
| Ambetter Secure Care 5 by Ambetter from Coordinated Care | Off | Gold | $1,450 / $2,900 | $7,500 / $15,000 | Price & Details | |
| Ambetter Cascade Select Gold by Ambetter from Coordinated Care | Off | Gold | $600 / $1,200 | $7,000 / $14,000 | Price & Details | |
| BridgeSpan Cascade Gold by BridgeSpan Health Company | Off | Gold | $600 / $1,200 | $7,000 / $14,000 | Price & Details | |
| UHC Gold Advantage by UnitedHealthcare of Oregon, Inc. | Off | Gold | $500 / $1,000 | $7,500 / $15,000 | Price & Details | |
| Gold 2000 by Regence BlueShield | Off | Gold | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Regence Cascade Gold Legacy Network by Regence BlueCross BlueShield Of Oregon | Off | Gold | $600 / $1,200 | $7,000 / $14,000 | Price & Details | |
| UnitedHealthcare of Oregon, Inc. Cascade Gold by UnitedHealthcare of Oregon, Inc. | Off | Gold | $600 / $1,200 | $7,000 / $14,000 | Price & Details | |
| Gold 2000 Individual and Family Network by Regence BlueCross BlueShield Of Oregon | Off | Gold | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details |
Help with Obamacare & Off-Exchange Plans Sign Up
After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.
Licensed insurance agents at our trusted partner help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.
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Learn More About Obamacare and Off-Exchange Plans in Washington
What are Obamacare Health Insurance Plans?
Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.
What are Off-Exchange Health Insurance Plans?
Off-Exchange health insurance plans are plans which are available outside of the federal government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.
You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.
What’s the difference between Obamacare plans and Off-Exchange plans?
The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.
Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to federal government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.
Can a plan be both an Obamacare and Off-Exchange plan?
Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.
On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.
Do plans which are both Obamacare and Off-Exchange plans cost the same price?
Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.
Who is eligible for Obamacare and Off-Exchange plans?
Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.
What is the Obamacare Subsidy (Tax Credit)?
The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.
You must complete an official federal government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.
Search Obamacare plans and estimate subsidy amount
Who is eligible to receive an Obamacare Subsidy (Tax Credit)
To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.
- Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
- Not eligible for other federal government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet federal government coverage and affordability requirements
- File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
- Not be incarcerated
- Be legally present in the United States
Why should I consider Off-Exchange plans?
Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.
A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.
In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.
How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?
There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.
FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan