Health insurance prices in Whatcom County, WA (2026)
19 marketplace plans from 3 insurers. Cheapest plan $391/mo; typical Silver $698/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 8.
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 $391–$485 (typical $480) · Silver $638–$766 (typical $698) · Gold $512–$645 (typical $582) · Catastrophic $255–$255 (typical $255)
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 |
|---|---|---|---|---|---|---|---|
| LifeWise (Premera) | 4 | $391 | $391 | $638 | $525 | LifeWise Cascade Select Bronze | |
| Ambetter (Centene) | 5 | $540 Gold | no Bronze | $674 | $544 | Ambetter Secure Care 5 | |
| Kaiser Permanente | 10 | $476 | $484 | $763 | $615 | Bronze HSA |
All 19 plans in Whatcom County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Kaiser Permanente | Basics Plus Catastrophic | Catastrophic | HMO | $255 | $10,600 | $10,600 | $13,662 | |
| LifeWise (Premera) | LifeWise Cascade Select Bronze | Expanded Bronze | EPO | $391 | $6,000 | $10,150 | $14,844 | |
| Kaiser Permanente | Bronze HSA | Expanded Bronze | HMO | $476 | $5,500 | $7,500 | $13,211 | |
| Kaiser Permanente | VisitsPlus Bronze | Expanded Bronze | HMO | $484 | $6,500 | $10,100 | $15,911 | |
| Kaiser Permanente | Kaiser Permanente Cascade Bronze | Expanded Bronze | HMO | $485 | $6,000 | $10,150 | $15,969 | |
| LifeWise (Premera) | LifeWise Cascade Select Vital Gold | Gold | EPO | $512 | $1,900 | $8,800 | $14,947 | |
| LifeWise (Premera) | LifeWise Cascade Select Complete Gold | Gold | EPO | $537 | $1,000 | $7,000 | $13,447 | |
| Ambetter (Centene) | Ambetter Secure Care 5 | Gold | HMO | $540 | $1,450 | $7,500 | $13,979 | |
| Ambetter (Centene) | Ambetter Cascade Vital Gold | Gold | HMO | $544 | $1,900 | $8,800 | $15,330 | |
| Ambetter (Centene) | Ambetter Cascade Complete Gold | Gold | HMO | $582 | $1,000 | $7,000 | $13,987 | |
| Kaiser Permanente | Kaiser Permanente Cascade Vital Gold | Gold | HMO | $604 | $1,900 | $8,800 | $16,043 | |
| Kaiser Permanente | Gold HSA | Gold | HMO | $604 | $2,100 | $6,100 | $13,347 | |
| Kaiser Permanente | VisitsPlus Gold | Gold | HMO | $626 | $1,000 | $7,500 | $15,016 | |
| LifeWise (Premera) | LifeWise Cascade Select Silver | Silver | EPO | $638 | $2,500 | $9,750 | $17,405 | |
| Kaiser Permanente | Kaiser Permanente Cascade Complete Gold | Gold | HMO | $645 | $1,000 | $7,000 | $14,741 | |
| Ambetter (Centene) | Ambetter Balanced Care 4 | Silver | HMO | $650 | $8,200 | $8,200 | $16,000 | |
| Ambetter (Centene) | Ambetter Cascade Silver | Silver | HMO | $698 | $2,500 | $9,750 | $18,124 | |
| Kaiser Permanente | VisitsPlus Silver | Silver | HMO | $760 | $2,500 | $9,200 | $18,326 | |
| Kaiser Permanente | Kaiser Permanente Cascade Silver | Silver | HMO | $766 | $2,500 | $9,750 | $18,938 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $391 | $480 | $485 | 4 | $6,000 | $10,125 | $15,378 |
| Silver | $638 | $698 | $766 | 5 | $2,500 | $9,750 | $18,124 |
| Gold | $512 | $582 | $645 | 9 | $1,450 | $7,500 | $14,741 |
| CatastrophicUnder 30 or hardship exemption only | $255 | $255 | $255 | 1 | $10,600 | $10,600 | $13,662 |
* 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.