Health insurance prices in Pend Oreille County, WA (2026)
16 marketplace plans from 3 insurers. Cheapest plan $388/mo; typical Silver $632/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 $388–$486 (typical $469) · Silver $574–$776 (typical $632) · Gold $477–$630 (typical $523)
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 |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 5 | $477 Gold | no Bronze | $595 | $481 | Ambetter Secure Care 5 | |
| LifeWise (Premera) | 7 | $388 | $437 | $704 | $532 | LifeWise Cascade Select Bronze | |
| Molina Healthcare | 4 | $469 | $469 | $727 | $597 | Molina Cascade Bronze |
All 16 plans in Pend Oreille County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| LifeWise (Premera) | LifeWise Cascade Select Bronze | Expanded Bronze | EPO | $388 | $6,000 | $10,150 | $14,802 | |
| 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 | |
| LifeWise (Premera) | LifeWise Essential Bronze | Expanded Bronze | EPO | $486 | $6,500 | $9,200 | $15,032 | |
| LifeWise (Premera) | LifeWise Cascade Select Vital Gold | Gold | EPO | $508 | $1,900 | $8,800 | $14,892 | |
| 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 | |
| Ambetter (Centene) | Ambetter Balanced Care 4 | Silver | HMO | $574 | $8,200 | $8,200 | $15,088 | |
| 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 Essential Gold | Gold | EPO | $630 | $800 | $7,600 | $15,158 | |
| LifeWise (Premera) | LifeWise Cascade Select Silver | Silver | EPO | $632 | $2,500 | $9,750 | $17,336 | |
| Molina Healthcare | Molina Cascade Silver | Silver | HMO | $727 | $2,500 | $9,750 | $18,469 | |
| LifeWise (Premera) | LifeWise Essential Silver | Silver | EPO | $776 | $3,000 | $8,375 | $17,690 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $388 | $469 | $486 | 3 | $6,000 | $10,150 | $15,032 |
| Silver | $574 | $632 | $776 | 5 | $2,500 | $9,750 | $17,336 |
| Gold | $477 | $523 | $630 | 8 | $1,225 | $7,550 | $14,478 |
* 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.