Thinking about what you will actually pay each month in Washington? Here is a clear guide to marketplace premiums, how subsidies work, what Apple Health covers for dental, and where to find Apple Health dental providers.
Average cost of health insurance in Washington State
There is no single flat price for everyone. Premiums vary by age, county, metal tier, tobacco use, and carrier competition. For 2025, Washington’s insurance regulator approved an average increase of 10.7 percent across the individual market. Your actual price depends on your plan and rating area.
Most shoppers do not pay the full sticker price. In recent open enrollment periods, a large share of Washington Healthplanfinder users received premium tax credits that lowered monthly costs. Use these as directional benchmarks, but remember your subsidy is based on your household income and the benchmark Silver plan in your county.
Where to check your price: use the Washington Healthplanfinder plan browser to see your real, location specific rates and savings.
How subsidies lower your bill
Marketplace premium tax credits reduce what you pay each month. Eligibility and the amount are set by federal rules and calculated off the benchmark Silver plan in your county. You can apply the credit each month or reconcile it at tax time.
Tip: try a subsidy estimator to model different income scenarios before you enroll.
Cascade Care and Cascade Select in Washington
Washington offers Cascade Care standardized plans and Cascade Select public option plans. Cascade Select is available in all 39 counties in 2025. These are private plans sold on the Exchange that follow additional state standards intended to improve access and value.
Note on extra savings: the Cascade Care Savings program is closed to new customers for plan year 2025 because funds were exhausted. Existing recipients keep their benefit.
Dental insurance in Washington: stand alone plans vs Apple Health dental
If you want stand alone dental insurance with your marketplace medical plan, Washington Healthplanfinder lists Qualified Dental Plans each year. Issuers typically include options like Delta Dental of Washington, Dentegra Dental, LifeWise Family Dental, and Companion Life or EMI Health, with availability that can vary by county.
Important: a household can enroll in only one dental plan, and premium tax credits apply to your health plan premium, not to dental premiums. Build your budget with that in mind.
Looking outside the Exchange: the state insurance commissioner lists carriers that sell individual dental plans directly. Networks, benefits, and waiting periods can differ.
Apple Health dental coverage in Washington
Does Apple Health cover dental? Yes. Adults and children with Apple Health have dental benefits. Adults use a ProviderOne services card to access care. Covered services commonly include exams, cleanings, X rays, sealants, fillings, crowns, fluoride, and extractions. Orthodontics is typically limited to serious medical need. Some services are not covered, such as most adult orthodontics and many implant services. Always review the current benefit list before treatment.
Program update for 2025: the Health Care Authority announced dental rate changes effective July 1, 2025, which may affect provider participation and appointment availability in some areas.
Finding Apple Health dental providers
You have a few reliable options:
- ProviderOne Find a Provider search for Apple Health dental providers statewide
- DentistLink directory and referral hotline. You can call or text 844 888 5465 for help finding dentists that accept Apple Health
Best dental plans in Washington State: how to choose
Best depends on your needs. Compare:
- Networks near you and your preferred dentist
- Preventive coverage at zero or low copay
- Annual maximums and waiting periods
- Major services such as crowns, root canals, dentures, and how plans handle implants or orthodontics
- County availability by issuer
Low income and free dental care resources
If you qualify for Apple Health, dental is included year round once you are enrolled. For help finding care, use ProviderOne or DentistLink. Community clinics and dental schools may also offer reduced cost services.
FAQs
How much is health insurance in Washington State
Unsubsidized premiums vary widely by county, plan, and age. In 2025, the state approved an average individual market increase of 10.7 percent. Many enrollees qualify for tax credits that reduce monthly costs. Check your exact price on Healthplanfinder.
How much does a Silver plan cost
Prices vary by county and carrier. The benchmark Silver plan in your ZIP code determines your subsidy. Use the Healthplanfinder tool to see your local options and personalized savings.
Does Apple Health cover dental for adults
Yes. Adults have a defined set of covered dental benefits. Review current Health Care Authority materials for details and exclusions.
Where can I find the Washington Apple Health dental provider list
Use the ProviderOne search and the DentistLink directory or referral line at 844 888 5465.
Can I buy a stand alone dental plan without a medical plan on Healthplanfinder
Households can enroll in one dental plan, but premium tax credits apply only to medical plans. Plan on paying the dental premium in full unless you qualify for separate assistance.
