For Consumers

210 individual health plans available in Washington - average 3.9 percent rate change

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Health plan regions

October 29, 2015

OLYMPIA, Wash. – Individuals and families looking for health insurance this fall have 15 insurers and 210 health plans to choose from, starting Nov. 1.

Health insurers requested an average rate change of 5.6 percent for their 2016 individual health plans, but the Office of the Insurance Commissioner approved 3.9 percent after a review.  Actual premium amounts will vary based on the plan someone selects, their age, how many people are covered, and where they live.

Twelve insurers will sell 143 plans inside Washington’s exchange, Washington Healthplanfinder and eight insurers will sell an additional 67 plans outside of the exchange. All plans must include the essential health benefits but tax credits or premium subsidies are only available for plans bought through the exchange.

“The number of choices consumers have this year is evidence that Washington state’s individual market is thriving under health care reform,” said Insurance Commissioner Mike Kreidler. “Consumers should shop around, even if they have coverage today. With this many new plans, they could find a better deal than last year. But remember – tax credits or premium subsidies are only available for health plans purchased through, the exchange, Washington Healthplanfinder.”

See a map of plans and rates by county.

Insurers selling plans inside the exchange:


  • Bridgespan Health Company
  • Columbia United Providers
  • Community Health Plan of Washington
  • Coordinated Care Corporation
  • Group Health Cooperative
  • Health Alliance Northwest Health Plan, Inc.
  • Kaiser Foundation Health Plan of the Northwest
  • Lifewise Health Plan of Washington
  • Molina Healthcare of Washington
  • Premera Blue Cross
  • Regence BlueShield
  • UnitedHealthcare of Washington, Inc.


Insurers selling plans outside of the exchange:

  • Asuris Northwest Health
  • Group Health Cooperative
  • Group Health Options
  • Kaiser Foundation Health Plan of the Northwest
  • Lifewise Health Plan of Washington
  • Premera Blue Cross
  • Regence BlueCross BlueShield of Oregon
  • Regence BlueShield


Moda Health Plan, Inc. of Portland, OR was previously approved to sell plans inside and outside of the exchange but is voluntarily withdrawing from the Washington state insurance market, including the individual, small, and large employer markets. The company is responsible for notifying all of its customer about its decision.

Consumers who are re-enrolling should pay close attention to their tax credit amount for 2015 as well as their premium when selecting a plan. Tax credits are based on the lowest-cost silver plan and, this year, the lowest-cost silver plan will be cheaper in many counties, resulting in a lower tax credit for some people.

Open enrollment for the individual market starts Nov. 1 and runs through Dec. 31.

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Release No. 15-46