Health insurance prices in Spokane County, WA (2026)
58 marketplace plans from 8 insurers. Cheapest plan $354/mo; typical Silver $749/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 $492) · Silver $574–$1,136 (typical $749) · Gold $451–$948 (typical $614) · Catastrophic $249–$249 (typical $249)
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) | 9 | $363 | $363 | $590 | $481 | Ambetter Cascade Select Bronze | |
| Molina Healthcare | 4 | $469 | $469 | $727 | $597 | Molina Cascade Bronze | |
| Kaiser Permanente | 10 | $465 | $473 | $746 | $601 | Bronze HSA | |
| LifeWise (Premera) | 11 | $388 | $486 | $776 | $630 | LifeWise Cascade Select Bronze | |
| UnitedHealthcareUnitedHealth Group | 8 | $508 | $546 | $876 | $728 | UHC Bronze Essential | |
| BridgeSpan (Cambia)Cambia Health | 4 | $552 | $552 | $931 | $766 | BridgeSpan Cascade Bronze | |
| Premera Blue Cross (WA)Premera (Blue Cross Blue Shield company) | 8 | $663 | $683 | $1,102 | $902 | Premera Blue Cross Preferred Bronze HSA |
All 58 plans in Spokane County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Kaiser Permanente | Basics Plus Catastrophic | Catastrophic | HMO | $249 | $10,600 | $10,600 | $13,594 | |
| Community Health Plan of Washington | Community Health Plan of Washington Cascade Select Bronze | Expanded Bronze | EPO | $354 | $6,000 | $10,150 | $14,400 | |
| Ambetter (Centene) | Ambetter Cascade Select Bronze | Expanded Bronze | HMO | $363 | $6,000 | $10,150 | $14,506 | |
| 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 | |
| Ambetter (Centene) | Ambetter Cascade Select Vital Gold | Gold | HMO | $460 | $1,900 | $8,800 | $14,322 | |
| Kaiser Permanente | Bronze HSA | Expanded Bronze | HMO | $465 | $5,500 | $7,500 | $13,084 | |
| Molina Healthcare | Molina Cascade Bronze | Expanded Bronze | HMO | $469 | $6,000 | $10,150 | $15,773 | |
| Kaiser Permanente | VisitsPlus Bronze | Expanded Bronze | HMO | $473 | $6,500 | $10,100 | $15,782 | |
| Kaiser Permanente | Kaiser Permanente Cascade Bronze | Expanded Bronze | HMO | $474 | $6,000 | $10,150 | $15,840 | |
| 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 Essential Bronze | Expanded Bronze | EPO | $486 | $6,500 | $9,200 | $15,032 | |
| Ambetter (Centene) | Ambetter Cascade Select Complete Gold | Gold | HMO | $492 | $1,000 | $7,000 | $12,909 | |
| LifeWise (Premera) | LifeWise Cascade Bronze | Expanded Bronze | EPO | $498 | $6,000 | $10,150 | $16,132 | |
| 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 | |
| BridgeSpan (Cambia) | BridgeSpan Cascade Bronze | Expanded Bronze | EPO | $552 | $6,000 | $10,150 | $16,776 | |
| 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 | |
| Ambetter (Centene) | Ambetter Cascade Select Silver | Silver | HMO | $590 | $2,500 | $9,750 | $16,832 | |
| Kaiser Permanente | Kaiser Permanente Cascade Vital Gold | Gold | HMO | $590 | $1,900 | $8,800 | $15,882 | |
| Kaiser Permanente | Gold HSA | Gold | HMO | $590 | $2,100 | $6,100 | $13,186 | |
| Kaiser Permanente | VisitsPlus Gold | Gold | HMO | $612 | $1,000 | $7,500 | $14,849 | |
| 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 | |
| Kaiser Permanente | Kaiser Permanente Cascade Complete Gold | Gold | HMO | $631 | $1,000 | $7,000 | $14,569 | |
| LifeWise (Premera) | LifeWise Cascade Select Silver | Silver | EPO | $632 | $2,500 | $9,750 | $17,336 | |
| LifeWise (Premera) | LifeWise Cascade Vital Gold | Gold | EPO | $658 | $1,900 | $8,800 | $16,700 | |
| 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 | |
| LifeWise (Premera) | LifeWise Cascade Complete Gold | Gold | EPO | $691 | $1,000 | $7,000 | $15,296 | |
| 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 | |
| BridgeSpan (Cambia) | BridgeSpan Cascade Vital Gold | Gold | EPO | $729 | $1,900 | $8,800 | $17,551 | |
| UnitedHealthcare | UnitedHealthcare of Oregon, Inc. Cascade Complete Gold | Gold | EPO | $740 | $1,000 | $7,000 | $15,875 | |
| Kaiser Permanente | VisitsPlus Silver | Silver | HMO | $744 | $2,500 | $9,200 | $18,123 | |
| Kaiser Permanente | Kaiser Permanente Cascade Silver | Silver | HMO | $749 | $2,500 | $9,750 | $18,734 | |
| LifeWise (Premera) | LifeWise Essential Silver | Silver | EPO | $776 | $3,000 | $8,375 | $17,690 | |
| BridgeSpan (Cambia) | BridgeSpan Cascade Complete Gold | Gold | EPO | $803 | $1,000 | $7,000 | $16,636 | |
| LifeWise (Premera) | LifeWise Cascade Silver | Silver | EPO | $824 | $2,500 | $9,750 | $19,640 | |
| 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 | |
| BridgeSpan (Cambia) | BridgeSpan Cascade Silver | Silver | EPO | $931 | $2,500 | $9,750 | $20,917 | |
| 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 | $492 | $684 | 16 | $6,000 | $10,150 | $15,811 |
| Silver | $574 | $749 | $1,136 | 15 | $2,500 | $9,750 | $18,469 |
| Gold | $451 | $614 | $948 | 26 | $1,225 | $7,500 | $15,025 |
| CatastrophicUnder 30 or hardship exemption only | $249 | $249 | $249 | 1 | $10,600 | $10,600 | $13,594 |
* 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.