ACA plans available
44
Plan year 2026
2026 data Public-data reference. official source
Washington, Louisiana Health Insurance
Open-data reference.
44 ACA plans from 4 issuers - Plan year 2026
Washington, Louisiana offers 44 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $418/mo and Silver plans start at $502/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$678
Avg Silver Premium/mo
$508
Benchmark Premium/mo
+33.3%
Year-over-Year Change
$4,986
Avg Deductible
What the Numbers Say About Washington
Washington, Louisiana has 44 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $678/mo for a 27-year-old non-tobacco user, with the lowest Silver at $502 and the highest at $903. Bronze plans start at $418/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $508/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,986 and the average out-of-pocket maximum is $9,328 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Washington shifted by +33.3%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Washington, consumers have meaningful competition to pressure premiums lower. EPO is the most common network type in Washington, with PPO and POS rounding out the alternatives. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
4 plans$477/mo avg
$418 - $588
Silver
14 plans$678/mo avg
$502 - $903
Gold
14 plans$672/mo avg
$536 - $904
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Washington is $508/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
4
Competitive market
Benchmark Silver
$508 /mo
Sets your subsidy ceiling
Avg deductible
$4,986
Across all metal tiers
Washington ACA plans by premium and deductible
Each marker is the Washington average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Washington, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Washington
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Louisiana Healthcare Connections | 16 | $505/mo |
| UnitedHealthcare | 13 | $646/mo |
| Blue Cross and Blue Shield of Louisiana | 8 | $791/mo |
| HMO Louisiana | 7 | $551/mo |
All Plans in Washington
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue POS 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $417.64 | $509.30 | $9,900 | $10,600 |
| Blue POS 60/40 $6500 with 2 $0 PCP Virtual Visits HSA Eligible HMO Louisiana | Bronze | POS | $428.88 | $523.01 | $6,500 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Bronze | EPO | $473.19 | $577.04 | $10,600 | $10,600 |
| Blue Max 70/50 $6700 with 2 $0 PCP Virtual Visits HSA Eligible Blue Cross and Blue Shield of Louisiana | Bronze | PPO | $587.53 | $716.47 | $6,700 | $10,600 |
| Standard Expanded Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $390.49 | $476.19 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $390.82 | $476.59 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $400.90 | $488.89 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $401.24 | $489.30 | $8,450 | $10,150 |
| Elite Bronze Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $456.66 | $556.88 | $0 | $10,500 |
| Blue POS Copay (PCP) 50/50 $7500 Standardized HSA Eligible HMO Louisiana | Expanded Bronze | POS | $462.33 | $563.79 | $7,500 | $10,000 |
| Elite Bronze + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Expanded Bronze | EPO | $468.84 | $571.74 | $0 | $10,500 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $506.41 | $617.55 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $522.55 | $637.23 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $536.89 | $654.72 | $0 | $10,600 |
| Blue Max Copay (PCP) 50/50 $7500 Standardized HSA Eligible Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $627.88 | $765.68 | $7,500 | $10,000 |
| Blue Saver 60/40 $6100 Blue Cross and Blue Shield of Louisiana | Expanded Bronze | PPO | $672.35 | $819.91 | $6,100 | $8,300 |
| Standard Silver Ambetter from Louisiana Healthcare Connections | Silver | EPO | $501.53 | $611.59 | $6,000 | $8,900 |
| Focused Silver Ambetter from Louisiana Healthcare Connections | Silver | EPO | $508.07 | $619.57 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Silver | EPO | $514.90 | $627.91 | $6,000 | $8,900 |
| Focused Silver + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Silver | EPO | $521.62 | $636.09 | $6,300 | $8,400 |
| Blue POS 80/60 $3200 with 2 $0 PCP Virtual Visits HMO Louisiana | Silver | POS | $622.81 | $759.49 | $3,200 | $9,100 |
| Blue POS Copay (PCP) 60/40 $6000 Standardized HMO Louisiana | Silver | POS | $643.29 | $784.47 | $6,000 | $8,900 |
| UHC Silver Value ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $677.86 | $826.63 | $4,000 | $10,600 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $683.38 | $833.36 | $6,000 | $8,900 |
| UHC Silver Value + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $693.98 | $846.29 | $4,000 | $10,600 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $713.67 | $870.30 | $0 | $10,150 |
| UHC Silver Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $729.79 | $889.96 | $0 | $10,150 |
| Blue Max Copay (PCP) 50/50 $3300 with 2 $0 PCP Virtual Visits Blue Cross and Blue Shield of Louisiana | Silver | PPO | $886.25 | $1,080.75 | $3,300 | $9,900 |
| Blue Max Copay (PCP) 60/40 $6000 Standardized Blue Cross and Blue Shield of Louisiana | Silver | PPO | $892.93 | $1,088.89 | $6,000 | $8,900 |
| Blue Saver 90/70 $3400 Blue Cross and Blue Shield of Louisiana | Silver | PPO | $903.13 | $1,101.34 | $3,400 | $8,300 |
| Standard Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $535.59 | $653.14 | $2,000 | $8,300 |
| Standard Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $549.88 | $670.56 | $2,000 | $8,300 |
| Complete Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $570.59 | $695.82 | $1,450 | $7,600 |
| Complete Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $585.81 | $714.37 | $1,450 | $7,600 |
| Blue POS Copay (PCP) 80/60 $1000 with 2 $0 PCP Virtual Visits HMO Louisiana | Gold | POS | $625.51 | $762.79 | $1,000 | $9,700 |
| Elite Gold Ambetter from Louisiana Healthcare Connections | Gold | EPO | $630.08 | $768.36 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter from Louisiana Healthcare Connections | Gold | EPO | $646.88 | $788.85 | $0 | $6,500 |
| Blue POS Copay (PCP) 75/55 $2000 Standardized HMO Louisiana | Gold | POS | $654.11 | $797.66 | $2,000 | $8,300 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $695.33 | $847.93 | $2,000 | $8,300 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $711.26 | $867.35 | $0 | $9,250 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $717.56 | $875.04 | $950 | $9,600 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $733.68 | $894.70 | $950 | $9,600 |
| Blue Max 80/60 $1500 with 2 $0 PCP Virtual Visits Blue Cross and Blue Shield of Louisiana | Gold | PPO | $851.25 | $1,038.07 | $1,500 | $9,900 |
| Blue Max Copay (PCP) 75/55 $2000 Standardized Blue Cross and Blue Shield of Louisiana | Gold | PPO | $904.37 | $1,102.85 | $2,000 | $8,300 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $619/mo | $488 | $815 | 10 | 4 |
| 2023 | $612/mo | $512 | $684 | 14 | 4 |
| 2024 | $533/mo | $427 | $663 | 19 | 4 |
| 2025 | $537/mo | $406 | $681 | 15 | 4 |
| 2026 | $678/mo | $502 | $903 | 14 | 4 |
Frequently Asked Questions
How many ACA plans are available in Washington, LA?
There are 44 ACA marketplace plans available in Washington from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Washington?
The lowest-premium plan in Washington starts at $418/mo (Bronze tier, age 27). Silver plans start at $502/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Washington?
The benchmark (second-lowest Silver) premium in Washington is $508/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Washington?
Average premiums in Washington changed by +33.3% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Washington?
The average annual deductible across all plans in Washington is $4,986, and the average out-of-pocket maximum is $9,328. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Washington?
There are 4 insurance issuers offering ACA marketplace plans in Washington, including Ambetter from Louisiana Healthcare Connections, UnitedHealthcare, Blue Cross and Blue Shield of Louisiana, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Washington, LA's $508/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
