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  1. Washington Healthplanfinder
  2. Eligibility qualifications

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 N/A, unborn baby counts in family size
2 $3,254
3 $4,102
4 $4,950
5 $5,798
6 $6,646

After pregnancy coverage

As of July 2021, Washington State extended postpartum coverage to allow individuals to apply for and receive past-partum coverage throughout the 12-month period after their pregnancy ends. To qualify an individual must:

  • Must be a resident of Washington
  • Income must be at or below 198% fpl
  • Have had a pregnancy within the last 12 months regardless of the pregnancy outcome
  • If on Apple Health during the pregnancy, coverage begins the first day of the month following the pregnancy ending
  • If Not on Apple Health during the pregnancy, coverage begins the month the individual applies and is found eligible
  • Not active in another Apple Health program
  • Immigration status does not apply

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 Community Health Access Program (CHAP) 206-284-0331 or 800-756-5437 or visit our assistance page.

Opportunities to buy low-cost insurance on Washington Healthplanfinder: