Washington Health Benefit Exchange and Apple Health

First stop: Washington Healthplanfinder

The Washington Healthplanfinder (English | Spanish) is a service of the state’s health insurance exchange that can help you:

• Find out if you may be eligible for federal or state financial help to pay premiums or out-of-pocket costs, such as copays.
• Browse plans and compare what your costs may be and the doctors and hospitals available with each plan.
• Enroll in a health plan.

Types of individual and family insurance plans

When you shop through the Washington Healthplanfinder, you’ll be asked for information about your family and income to see what coverage you qualify for.

Based on the information you enter, you’ll be able to view and compare the coverage and costs (if applicable) for:

• Apple Health (Medicaid) plans
• Washington Health Exchange plans
• Apple Health Expansion plans

Other good-to-know facts about health insurance

• All Washington residents, regardless of immigration status, can access coverage through Washington Healthplanfinder. Coverage has expanded to undocumented immigrants (foreign-born who lack valid documentation to be in the United States).

Options to enroll

Option 1-Apple Health (Medicaid): You can enroll any time during the year. For adults 19 or older. This allows individuals and households with countable income under 138% Federal Poverty Table (FPL) to enroll.

Option 2-Washington Health Exchange: For 2026 coverage to be effective Jan 1, 2026, enroll Nov 1- Dec 15, 2025. For 2026 coverage to be effective Feb 1, 2025, enroll Dec 16, 2025 – Jan 15, 2026. The Exchange market is designed for individuals who do not have employer-sponsored health insurance or are not eligible for Apple Health.

There are opportunities to reduce your premium and out-of-pocket costs (deductibles, copayments, and coinsurance). Tax credits and Cascade Care Savings reduce the amount you pay monthly. These savings are only available on Washington Healthplanfinder!

Option 3-Apple Health Expansion: For adults 19 or older, regardless of immigration status. This allows individuals and households with countable income under 138% Federal Poverty Table (FPL) to enroll. The enrollment limit for Apple Health Expansion has been met for all age groups. For more information click here.

Health insurance shopping tips

You won’t pay anything for certain services — such as preventive care visits, certain cancer screenings and many vaccinations — with health plans available through the exchange. For many other services, you may be responsible for some or all the costs.

That’s why it’s wise to take your time checking your options and making a choice. Here are three questions to ask yourself before you choose a health plan:

• What services will you need? – Review what the plans cover for services you expect you may use. Some examples are doctor’s office and urgent care visits, prescriptions, children’s care (including dental and vision services), maternity and birth care, and emergency room visits.
• Are my doctors in the network? – Check to see if doctors, hospitals and other healthcare providers you visit (or plan to visit) are in the plan’s network. Confirm with both the plan and the healthcare providers. Some plans do not cover any costs if you visit out-of-network providers.
• What’s ahead for me and my family next year? – Think over if there are any needs you may have in the coming year, such as plans to add a child to your family, a need for ongoing treatment for cancer or a chronic disease, or a scheduled surgery. Compare your costs under each plan you consider. 

Exchange plans, Apple Health and Valley Medical Center coverage

Valley Medical Center is "in-network" for several health insurance plans offered through the exchange, the Washington Healthplanfinder. That could matter to you when choosing a plan.

Generally, you pay less out of pocket when you visit healthcare providers that are in-network. Going out-of-network may require you to pay more toward your deductible or in a copay – or may not be covered at all.

CY2026 Exchange plans with Valley Medical Center in network

COMMUNITY HEALTH PLAN OF WASHINGTON (AUTHORIZED SPECIALTY CARE ONLY DOES NOT INCLUDE PRIMARY CARE)

• COMMUNITY HEALTH PLAN OF WASHINGTON CASCADE SELECT BRONZE
• COMMUNITY HEALTH PLAN OF WASHINGTON CASCADE SELECT SILVER
• COMMUNITY HEALTH PLAN OF WASHINGTON CASCADE SELECT VITAL GOLD
• COMMUNITY HEALTH PLAN OF WASHINGTON CASCADE SELECT GOLD

KAISER FOUNDATION HEALTH PLAN OF WASHINGTON (AUTHORIZED SPECIALTY CARE ONLY DOES NOT INCLUDE PRIMARY CARE)

• KAISER PERMANENTE CASCADE BRONZE
• KAISER PERMANENTE CASCADE SILVER
• KAISER PERMANENTE CASCADE GOLD
• KAISER PERMANENTE CASCADE COMPLETE GOLD
• BRONZE HSA
• VISITSPLUS BRONZE
• VISITSPLUS SILVER 
• VISITSPLUS GOLD 
• GOLD HSA
• BASICS PLUS CATASTROPHIC
  

MOLINA HEALTHCARE OF WASHINGTON

• MOLINA CASCADE BRONZE
• MOLINA CASCADE SILVER
• MOLINA CASCADE VITAL GOLD    
• MOLINA CASCADE GOLD
  

PREMERA BLUE CROSS

• PREMERA BLUE CROSS CASCADE BRONZE
• PREMERA BLUE CROSS CASCADE SILVER
• PREMERA BLUE CROSS CASCADE VITAL GOLD
• PREMERA BLUE CROSS CASCADE COMPLETE GOLD
  
• PREMERA BLUE CROSS PREFERRED BRONZE
• PREMERA BLUE CROSS PREFERRED BRONZE HSA
• PREMERA BLUE CROSS PREFERRED SILVER
• PREMERA BLUE CROSS PREFERRED GOLD

UNITED HEALTHCARE OF OREGON, INC.

• UNITEDHEALTHCARE OF OREGON, INC. CASCADE BRONZE
• UNITEDHEALTHCARE OF OREGON, INC. CASCADE SILVER
• UNITEDHEALTHCARE OF OREGON, INC. CASCADE VITAL GOLD
• UNITEDHEALTHCARE OF OREGON, INC. CASCADE COMPLETE GOLD
• UHC BRONZE ESSENTIAL
• UHC BRONZE VALUE HSA
• UHC SILVER COPAY FOCUS
• UHC GOLD ADVANTAGE
  

Apple Health plans with Valley Medical Center in network

APPLE HEALTH (MEDICAID)

Valley Medical Center is in network with these Medicaid plans, with some exceptions. Ask the health plan about your coverage for services through Valley Medical Center.

• COMMUNITY HEALTH PLAN OF WASHINGTON (CHPW) APPLE HEALTH
  • Contracted for hospital services only.
• COORDINATED CARE APPLE HEALTH
• MOLINA (MHC) APPLE HEALTH 
• UNITED HEALTHCARE COMMUNITY (UHC) APPLE HEALTH
• WELLPOINT (FORMERLY AMERIGROUP) APPLE HEALTH

APPLE HEALTH EXPANSION

Valley Medical Center is in network with these plans, with some exceptions. Ask the health plan about your coverage for services through Valley Medical Center.

• COMMUNITY HEALTH PLAN OF WASHINGTON (CHPW) APPLE HEALTH contracted for hospital services only
• COORDINATED CARE APPLE HEALTH
• MOLINA (MHC) APPLE HEALTH
• UNITED HEALTHCARE COMMUNITY (UHC) APPLE HEALTH