Washington
Cheapest ACA plans in Spokane, Washington for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Spokane is in Spokane County, Washington. 8 carriers sell 2026 ACA plans on Washington Healthplanfinder for residents of Spokane County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $354/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Spokane County, including Spokane.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Spokane (Spokane County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Spokane County |
|---|---|---|
| Catastrophic | $249 | 1 |
| Expanded Bronze | $354 | 13 |
| Gold | $451 | 24 |
| Bronze | $508 | 1 |
| Silver | $574 | 13 |
The actual cheapest Bronze plan in Spokane
Community Health Plan of Washington Community Health Plan of Washington Cascade Select Bronze
$354/moFor a family of four (two 40-year-olds and two kids under 14): Community Health Plan of Washington Community Health Plan of Washington Cascade Select Bronze at $1,132/month before subsidies.
Carriers selling 2026 plans in Spokane
8 carriers sell 2026 plans on Washington Healthplanfinder for Spokane County residents; 2 additional carriers offer off-exchange-only plans (not subsidy-eligible). 66 plans total in Spokane County.
| Carrier | On-exchange plans |
|---|---|
| LifeWise Health Plan of Washington | 11 |
| Kaiser Foundation Health Plan of Washington | 10 |
| Coordinated Care Corporation | 9 |
| Premera Blue Cross | 8 |
| Community Health Plan of Washington | 4 |
| BridgeSpan Health Company | 4 |
| Molina Healthcare of Washington, Inc. | 4 |
| UnitedHealthcare of Oregon, Inc. | 2 |
Also selling off-exchange only
These carriers sell plans directly (not through Washington Healthplanfinder). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Asuris Northwest Health | 5 |
| Providence Health Plan | 3 |
What you'll actually pay in Spokane
Estimated monthly net premium for the cheapest Bronze plan above ($354/mo before subsidy) on Washington Healthplanfinder, after federal APTC. APTC is computed against the Spokane Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $481/mo | $0/mo |
| $40,000 | 256% | $291/mo | $63/mo |
| $60,000 | 383% | $80/mo | $274/mo |
| $100,000 | 639% | — | $354/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,286/mo | $0/mo |
| $130,000 | 404% | — | $1,132/mo |
| $200,000 | 622% | — | $1,132/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Spokane, Washington for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Community Health Plan of Washington Community Health Plan of Washington Cascade Select Bronze at $354 per month before subsidies. Plans sell through Washington Healthplanfinder. Spokane is in Spokane County, Washington; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Spokane's 2026 ACA pricing compare to other Washington cities?
Cheapest Bronze for a 40-year-old in Spokane is $354 per month before subsidies. For comparison: Seattle at $358/mo; Tacoma at $335/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
What makes Washington different from other states when buying ACA coverage?
Two things. Washington requires carriers to offer standardized Cascade Care plans at Bronze, Silver, and Gold; cost-sharing is identical across carriers at the same metal tier, so you compare on price and network alone. Washington also runs Cascade Select, a state-contracted public option that typically prices toward the lower end in most counties.
What is Cascade Care Savings and do I qualify?
Cascade Care Savings is a Washington state premium subsidy that stacks on top of federal APTC. For 2026, households at or below 250% of the Federal Poverty Level enrolled in a Cascade Care Silver or Gold plan get an extra $55 per member per month. Income-eligible but APTC-ineligible enrollees (including undocumented Washingtonians) get $250 per member per month. You must apply for and accept any federal APTC you qualify for.
Is Cascade Select (the public option) available where I live?
Cascade Select covers 37 of Washington's 39 counties for 2026, including all major population centers (King, Pierce, Snohomish, Spokane, Clark, Thurston). The two historical gap counties are Grays Harbor and Lincoln. Three carriers participate: Community Health Plan of Washington, Coordinated Care, and LifeWise.
More Washington pricing
- Statewide Washington pricing and metal tiers
- Seattle pricingcheapest Bronze $358/mo
- Tacoma pricingcheapest Bronze $335/mo
Sources
- Washington Healthplanfinder for SBE enrollment, OEP dates, and Apple Health eligibility.
- WAHBE Cascade Care Savings program for PY2026 $55 / $250 PMPM subsidy amounts and eligibility.
- WA HCA Cascade Select (public option) for public-option carriers, county footprint, and program design.
- WA OIC: 14 carriers approved for 2026 for approved PY2026 plan count and carriers.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.