Medical Bills & Health Insurance Help in Washington
Whether you are staring at a hospital bill, an EOB you cannot read, or a denial letter, this page collects what is specific to Washington — Washington Healthplanfinder, Washington's own marketplace, Apple Health, and the state rules that shape charity care and appeals — alongside our free tools.
Coverage and enrollment in Washington
Washington Healthplanfinder
Washington runs its own ACA marketplace instead of HealthCare.gov. Premium tax credits and cost-sharing reductions are available to residents who qualify.
Open enrollment: Nov 1, 2025 – Jan 15, 2026
Visit Washington HealthplanfinderWashington Charity Care Act (RCW 70.170.060) and Balance Billing Protection Act
Free care is commonly available up to about 300% of the federal poverty level, with sliding-scale discounts up to roughly 400%. Denial appeals are often due within 15 days.
Citation you can quote in a letter: RCW 70.170.060
Free help and complaint channels in Washington
SHIBA — Statewide Health Insurance Benefits Advisors
Free, unbiased counseling on Medicare, Medicaid, and private plans. Trained volunteers help you compare network access, not just premiums.
WebsiteWA Attorney General — Healthcare Complaints
WebsiteWA Office of the Insurance Commissioner
WebsiteNorthwest Health Law Advocates
Website
Tools you can use on a Washington bill
Not sure where to start?
Answer three short questions and we will point you to the right step for your situation in Washington.