Compare 2026 health insurance in Washington. Washington Healthplanfinder, Cascade Care, top carriers, and a Washington-licensed agent — free.
We are not a Washington state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Washington does not use HealthCare.gov. It runs its own marketplace, Washington Healthplanfinder, and layers on two things most states don't — standardized Cascade Care plans that make coverage levels easier to compare, and state premium assistance for residents up to 250% of the poverty line. About 270,000 people are effectuated in it, and roughly 64% get a federal premium tax credit.
The 2026 market is deep: Premera Blue Cross, Regence BlueShield, Kaiser Foundation Health Plan of Washington, LifeWise, Molina, Ambetter from Coordinated Care, Community Health Plan of Washington, and Wellpoint. Seattle care spreads across UW Medicine, Swedish (Providence), Virginia Mason Franciscan, MultiCare, and Kaiser; Spokane runs on Providence Sacred Heart and MultiCare Deaconess; Tacoma on MultiCare and Virginia Mason Franciscan. No plan carries every system.
We're licensed in Washington and enroll people directly through Healthplanfinder. Below is how coverage, Cascade Care, and the state subsidy work here, plus the metros and situations we help with most — the self-employed, families, and early retirees paying their own way.
Washington runs its own exchange, Washington Healthplanfinder, on its own platform — not HealthCare.gov — and offers standardized Cascade Care plans plus state premium assistance up to 250% of the poverty line.
Washington expanded Medicaid (Apple Health), so marketplace subsidies generally begin above the roughly 138% of poverty Medicaid floor.
These companies offer individual and family health plans in Washington. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
No. Washington runs its own marketplace, Washington Healthplanfinder. We're licensed in Washington and enroll you there directly, at no extra cost, and can also show you private off-exchange options it doesn't list.
Cascade Care plans are standardized designs sold on Healthplanfinder that use the same deductibles and copays across carriers, so you can compare on price and network instead of fine print. Some come with extra state premium assistance up to 250% of poverty. We'll show you where they fit.
In practice no — the state caps short-term plans at three months with no renewals, and no carriers have marketed them since 2022. For a coverage gap we'll look at a Healthplanfinder plan or a special enrollment period instead.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.