This guide explains what you may pay for health coverage, how subsidies work, what Apple Health includes for dental, and how Graham residents can find Apple Health dental providers.
Average cost of health insurance in Washington State
There is no single price for everyone. Premiums vary by age, county and rating area, metal tier, tobacco use, and carrier competition. For 2025, Washington approved an average individual market increase of 10.7 percent. Your exact price depends on your household details and where you live in Pierce County.
Most shoppers do not pay the full sticker price. Many Washington Healthplanfinder users receive premium tax credits that lower monthly costs. Treat those averages as directional only because your subsidy is calculated from your income and the benchmark Silver plan in your ZIP code.
Where to check your price: use Washington Healthplanfinder or a licensed local broker to view plans and savings for your Graham ZIP code.
How subsidies lower your bill
Premium tax credits can reduce what you pay each month. Eligibility and the amount are based on federal rules and the benchmark Silver plan in your rating area. You can apply the credit to your monthly bill or reconcile it at tax time.
Tip: use a subsidy estimator to model income changes 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 on the Exchange that follow additional state standards intended to improve value and access.
Note on extra savings: Cascade Care Savings is closed to new customers for the 2025 plan year. Existing recipients keep their benefit.
Dental insurance in Washington
You can pair your medical plan with a stand alone dental plan. Washington Healthplanfinder lists Qualified Dental Plans each year. Issuers and availability can vary by county.
Important details for budgeting:
Households enroll in only one dental plan
Premium tax credits apply to medical plans, not dental plans
Networks, annual maximums, waiting periods, and coverage of implants or orthodontics can differ by plan
If you shop outside the Exchange, the state insurance commissioner lists carriers that sell individual dental plans directly. Review each plan’s network and benefits before you enroll.
Apple Health dental coverage in Washington
Apple Health is Washington’s Medicaid program. 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 usually 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. This may affect provider participation and appointment availability in some areas.
Finding Apple Health dental providers near Graham
ProviderOne Find a Provider tool for Apple Health dental providers
DentistLink directory and referral hotline for help finding dentists that accept Apple Health
Call or text 844 888 5465
Choosing the best dental plan for your family
Best depends on your needs. Compare the following:
Networks near Graham and your preferred dentist
Preventive coverage at zero or low copay
Annual maximums and waiting periods
Coverage for major services like crowns, root canals, dentures, and how the plan handles implants or orthodontics
County and ZIP code 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 contact DentistLink. Community clinics and dental schools may offer reduced cost services for those who do not qualify.
FAQs
How much is health insurance in Washington State
Unsubsidized premiums vary by county, plan, and age. For 2025 the state approved an average increase of 10.7 percent. Many enrollees qualify for premium tax credits that lower monthly costs. Check your exact price through Washington Healthplanfinder or a licensed broker.
How much does a Silver plan cost
Prices depend on your county and carrier. The benchmark Silver plan in your ZIP code determines your subsidy amount. Preview plans to see local options and your 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 before treatment.
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 to pay the dental premium in full unless you qualify for separate assistance.
How Frontier Family Dental can help
Our Graham team helps patients understand benefits, estimate out of pocket costs, and plan treatment that fits the family budget. If you would like a quick benefits review before your visit, contact our front desk and we can walk you through next steps.
