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Medicare Advantage by state
Washington has a smaller Advantage market than its population would suggest, because its Medigap rules make supplements unusually attractive. The state community rates Medigap and guarantees issue far more broadly than most, so residents here have a genuinely reversible choice.
Figures reviewed for 2026
What matters
Regence BlueShield, Premera Blue Cross, Kaiser Permanente in the Puget Sound area, Molina and Community Health Plan of Washington sell across the state, with Coordinated Care and several dual-eligible plans in the metros. King, Pierce, Snohomish, Spokane and Clark counties are competitive; the eastern rural counties are not.
A $0 premium is common in the Seattle and Spokane metros, and many plans include drug coverage and dental. The trade is network size: the Puget Sound plans lean on specific systems, and a resident who travels to Seattle for care from eastern Washington needs to check the plan’s travel rules.
Washington requires community rating on Medigap and guarantees issue in more situations than federal law requires, so a resident can generally return to a supplement without underwriting. That is why many households here pair Original Medicare with a supplement and use an Advantage plan rarely, if at all.
SHIBA, the Statewide Health Insurance Benefits Advisors program inside the Office of the Insurance Commissioner, provides free counseling, and that office also handles complaints.
We check every plan sold in your county against your doctors and your prescriptions, then tell you what the plan would actually cost over a year. No cost to you, and no obligation.
An Advantage plan is a network product. If you would rather keep any doctor in the country and know your costs in advance, the supplement guide for this state covers the rules, the pricing and who must sell to you.
Washington Medicare Supplement plansPlan lists and networks stop at the state line. These are the guides closest to Washington.
See every state's Medicare Advantage guideNext steps
No cost, no obligation
Plans and networks differ by county, sometimes by ZIP code. Tell us where you live and we will show you what is actually sold there.
