Medicare Advantage Plans in Washington 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Washington state has about 48 percent Medicare Advantage penetration. The Puget Sound area, including Seattle, Tacoma, and Bellevue, has a very competitive market. Kaiser Permanente Washington, formerly Group Health, is a long-established carrier in the region. Eastern Washington centered on Spokane has fewer options, and rural areas east of the Cascades are more limited.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Washington.
Rural Coverage Note
Parts of Washington have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Washington Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Washington
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Washington
Washington's Medigap market is well-developed in the Puget Sound region. Residents in eastern Washington, particularly in rural areas between Spokane and the state borders, often prefer Medigap for its flexibility and nationwide coverage.