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Find out if you're eligible for free health insurance
Find out if you can get free or reduced-cost insurance – both are available from Washington Healthplanfinder. To find out which program you're eligible for, start with the Individual & Families Cost Estimate Calculator.
If eligible for Apple Health, you will need to select a Managed Care Organization(MCO). All MCO’s cover Essential Health Benefits including hospitalization, prescriptions, preventative, wellness services, chronic disease management, pediatric services, maternity and newborn care. Each MCO offers Value Added Benefits in addition to your health coverage.
Apple Health is open year-round. Renewal notices are mailed 60 days before coverage expires. Renew online at Washington Healthplanfinder.
Adults (19-64)–Apple Health eligibility
- Must be US citizen or legal resident for 5 years or longer
- Must be a resident of Washington state
- Income must be at or below the levels in the table below (138% Federal Poverty level)
| Total number in family (including yourself) | Monthly income limit for free coverage | Annual income limit for free coverage |
|---|---|---|
| 1 | $1,677 | $20,120 |
| 2 | $2,268 | $27,214 |
| 3 | $2,859 | $34,307 |
| 4 | $3,450 | $41,400 |
| 5 | $4,041 | $48,493 |
| 6 | $4,632 | $55,586 |
Pregnant people–Apple Health eligibility
- Must be a resident of Washington state
- Citizenship status is not factor
- Income must be at or below the levels in the table below (198% FPL)
- First Steps medical insurance for prenatal care
If you need insurance that pays for prenatal care, you can apply for "First Steps" - a State of Washington DSHS insurance program. Eligibility for this program is based on your family's income.
| Total number in family (including yourself and unborn baby) |
Monthly income limit for free coverage |
|---|---|
| 1 | Not applicable: Unborn baby counts in family size |
| 2 | $3,254 |
| 3 | $4,102 |
| 4 | $4,950 |
| 5 | $5,798 |
| 6 | $6,646 |
Children (18 & under)–Apple Health eligibility
- Must be a resident of Washington state
- Citizenship status is not a factor
- Household income must be at or below the levels in the table below
| Total number in family (children and adults) | Monthly income limit for free coverage | Monthly income limit: $20 per month fee | Monthly income limit: $30 per month fee |
|---|---|---|---|
| 1 | $2,612 | $3,220 | $3,852 |
| 2 | $3,533 | $4,355 | $5,209 |
| 3 | $4,454 | $5,490 | $6,567 |
| 4 | $5,375 | $6,625 | $7,925 |
| 5 | $6,296 | $7,760 | $9,283 |
| 6 | $7,217 | $8,895 | $10,641 |
What if you don't qualify for one of the Apple Health programs (above)?
Washington Healthplanfinder offers health insurance with prices that are based on your income. A special enrollment period is a period of time outside the open enrollment period when you can enroll in a new health insurance plan or change your current plan. There are several circumstances where you may qualify for a special enrollment period. To find out if you qualify, call the Community Health Access Program (CHAP) 206-284-0331 or 800-756-5437 or visit our enrollment assistance page.
Opportunities to buy low-cost insurance on Washington Healthplanfinder:
- Native Americans and Alaska Natives (who are enrolled in a federally recognized tribe) can enroll at any time.
- Healthplanfinder's Special Enrollment Period information.
- COFA Islanders who are income eligible can now enroll in Apple Health at any time.