Health insurance prices in Lincoln County, WA (2026)
33 marketplace plans from 6 insurers. Cheapest plan $354/mo; typical Silver $727/mo. Official marketplace: Washington Healthplanfinder (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 4.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $354–$684 (typical $546) · Silver $574–$1,136 (typical $727) · Gold $451–$948 (typical $579)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Community Health Plan of Washington | 4 | $354 | $354 | $577 | $466 | Community Health Plan of Washington Cascade Select Bronze | |
| Ambetter (Centene) | 5 | $477 Gold | no Bronze | $595 | $481 | Ambetter Secure Care 5 | |
| LifeWise (Premera) | 4 | $388 | $388 | $632 | $520 | LifeWise Cascade Select Bronze | |
| Molina Healthcare | 4 | $469 | $469 | $727 | $597 | Molina Cascade Bronze | |
| UnitedHealthcareUnitedHealth Group | 8 | $508 | $546 | $876 | $728 | UHC Bronze Essential | |
| Premera Blue Cross (WA)Premera (Blue Cross Blue Shield company) | 8 | $663 | $683 | $1,102 | $902 | Premera Blue Cross Preferred Bronze HSA |
All 33 plans in Lincoln County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Community Health Plan of Washington | Community Health Plan of Washington Cascade Select Bronze | Expanded Bronze | EPO | $354 | $6,000 | $10,150 | $14,400 | |
| LifeWise (Premera) | LifeWise Cascade Select Bronze | Expanded Bronze | EPO | $388 | $6,000 | $10,150 | $14,802 | |
| Community Health Plan of Washington | Community Health Plan of Washington Cascade Select Vital Gold | Gold | EPO | $451 | $1,900 | $8,800 | $14,208 | |
| Molina Healthcare | Molina Cascade Bronze | Expanded Bronze | HMO | $469 | $6,000 | $10,150 | $15,773 | |
| Ambetter (Centene) | Ambetter Secure Care 5 | Gold | HMO | $477 | $1,450 | $7,500 | $13,222 | |
| Ambetter (Centene) | Ambetter Cascade Vital Gold | Gold | HMO | $481 | $1,900 | $8,800 | $14,567 | |
| Community Health Plan of Washington | Community Health Plan of Washington Cascade Select Complete Gold | Gold | EPO | $482 | $1,000 | $7,000 | $12,783 | |
| LifeWise (Premera) | LifeWise Cascade Select Vital Gold | Gold | EPO | $508 | $1,900 | $8,800 | $14,892 | |
| UnitedHealthcare | UHC Bronze Essential | Bronze | EPO | $508 | $10,150 | $10,150 | $16,246 | |
| Ambetter (Centene) | Ambetter Cascade Complete Gold | Gold | HMO | $514 | $1,000 | $7,000 | $13,171 | |
| LifeWise (Premera) | LifeWise Cascade Select Complete Gold | Gold | EPO | $532 | $1,000 | $7,000 | $13,389 | |
| UnitedHealthcare | UHC Bronze Value HSA | Expanded Bronze | EPO | $546 | $6,300 | $8,050 | $14,605 | |
| UnitedHealthcare | UnitedHealthcare of Oregon, Inc. Cascade Bronze | Expanded Bronze | EPO | $559 | $6,000 | $10,150 | $16,860 | |
| Ambetter (Centene) | Ambetter Balanced Care 4 | Silver | HMO | $574 | $8,200 | $8,200 | $15,088 | |
| Community Health Plan of Washington | Community Health Plan of Washington Cascade Select Silver | Silver | EPO | $577 | $2,500 | $9,750 | $16,675 | |
| Molina Healthcare | Molina Cascade Vital Gold | Gold | HMO | $579 | $1,900 | $8,800 | $15,749 | |
| Molina Healthcare | Molina Cascade Complete Gold | Gold | HMO | $616 | $1,000 | $7,000 | $14,388 | |
| Ambetter (Centene) | Ambetter Cascade Silver | Silver | HMO | $616 | $2,500 | $9,750 | $17,146 | |
| LifeWise (Premera) | LifeWise Cascade Select Silver | Silver | EPO | $632 | $2,500 | $9,750 | $17,336 | |
| Premera Blue Cross (WA) | Premera Blue Cross Preferred Bronze HSA | Expanded Bronze | EPO | $663 | $6,800 | $8,400 | $16,359 | |
| Premera Blue Cross (WA) | Premera Blue Cross Cascade Bronze | Expanded Bronze | EPO | $683 | $6,000 | $10,150 | $18,344 | |
| Premera Blue Cross (WA) | Premera Blue Cross Preferred Bronze | Expanded Bronze | EPO | $684 | $6,650 | $8,800 | $17,011 | |
| UnitedHealthcare | UnitedHealthcare of Oregon, Inc. Cascade Vital Gold | Gold | EPO | $695 | $1,900 | $8,800 | $17,140 | |
| Molina Healthcare | Molina Cascade Silver | Silver | HMO | $727 | $2,500 | $9,750 | $18,469 | |
| UnitedHealthcare | UHC Gold Advantage | Gold | EPO | $728 | $500 | $7,500 | $16,239 | |
| UnitedHealthcare | UnitedHealthcare of Oregon, Inc. Cascade Complete Gold | Gold | EPO | $740 | $1,000 | $7,000 | $15,875 | |
| Premera Blue Cross (WA) | Premera Blue Cross Preferred Gold | Gold | EPO | $865 | $1,500 | $6,800 | $17,184 | |
| UnitedHealthcare | UnitedHealthcare of Oregon, Inc. Cascade Silver | Silver | EPO | $876 | $2,500 | $9,750 | $20,261 | |
| UnitedHealthcare | UHC Silver Copay Focus | Silver | EPO | $876 | $0 | $9,750 | $20,262 | |
| Premera Blue Cross (WA) | Premera Blue Cross Cascade Vital Gold | Gold | EPO | $902 | $1,900 | $8,800 | $19,627 | |
| Premera Blue Cross (WA) | Premera Blue Cross Cascade Complete Gold | Gold | EPO | $948 | $1,000 | $7,000 | $18,378 | |
| Premera Blue Cross (WA) | Premera Blue Cross Preferred Silver | Silver | EPO | $1,068 | $4,500 | $7,600 | $20,421 | |
| Premera Blue Cross (WA) | Premera Blue Cross Cascade Silver | Silver | EPO | $1,136 | $2,500 | $9,750 | $23,384 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $354 | $546 | $684 | 9 | $6,000 | $10,150 | $16,246 |
| Silver | $574 | $727 | $1,136 | 9 | $2,500 | $9,750 | $18,469 |
| Gold | $451 | $579 | $948 | 15 | $1,450 | $7,500 | $14,892 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.