Washington, D.C. · DC
Washington, D.C. health insurance 2027: prices, plans and free help
In Washington, D.C., the 2027 benchmark silver plan for a 40-year-old averages $678 a month before tax credits, up 11% from 2026 (KFF). Open Enrollment runs Nov 1, 2026 to Jan 31, 2027. A licensed advisor from America First Healthcare can compare private plans and Marketplace options with you on a free call.
Verify any agent's license through the NIPR lookup.
Reviewed by Jordan SarmientoUpdated
Looking for Washington? See Washington health insurance.
Quick facts
- Marketplace
- DC Health Link
- 2027 open enrollment
- Nov 1 to Jan 31
- Medicaid expansion
- Adopted
- Insurance department
- DC Department of Insurance, Securities and Banking
Facts checked 2026-09-17.
Washington, D.C. in 2027 at a glance
- Benchmark silver, age 40
- $678/mo
- 2027, before credits. Up 11% from 2026.
- Enrolled for 2026
- 16,053
- 18.8% got a premium tax credit.
- Open Enrollment
- Nov 1 to Jan 31
- Through DC Health Link.
Sources: KFF and CMS (2027 plan data), linked in the sections below.
Washington, D.C. health insurance facts
- Marketplace
- Washington, D.C. runs its own state-based marketplace, DC Health Link.Source
- 2027 open enrollment
- Open Enrollment for 2027 coverage runs Nov 1, 2026 to Jan 31, 2027 through DC Health Link.Source All states' 2027 dates.
- Medicaid expansion
- Washington, D.C. adopted Medicaid expansion (implemented January 1, 2014).Source
- State insurance department
- DC Department of Insurance, Securities and Banking. File complaints and check agent licenses here.Source
Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.
Average cost of health insurance in Washington, D.C. for 2027
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $678 a month for a 40-year-old in Washington, D.C. for 2027, before any credit. That is up 11% from $610 in 2026.Source
2027 benchmark silver price by age in Washington, D.C.
| Age | Per month, before credits |
|---|---|
| 21 | $531 |
| 30 | $602 |
| 40 | $678 |
| 50 | $948 |
| 60 | $1,440 |
| 64 | $1,592 |
Washington, D.C. sets its own age curve. These figures use the CMS default curve, so treat them as estimates.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.
The 2026 Marketplace in Washington, D.C., in numbers
For 2026, 16,053 Washington, D.C. residents picked a Marketplace plan during Open Enrollment, and 18.8% of them received an advance premium tax credit. The average premium was $815 a month per person before the credit and $725 after it, counting everyone who picked a plan.Source State premium help paid by Washington, D.C.’s own exchange is not included in these figures.
The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $610 a month for a 40-year-old in Washington, D.C. in 2026, before any credit.Source
Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.
What our clients paid, by state and kind of plan, is in health insurance cost by state.
Health insurance companies in Washington, D.C. for 2027
Washington, D.C. runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on DC Health Link. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.
Cheap health insurance in Washington, D.C.: where the low prices are
Tax credits change the price most. For 2026, 18.8% of Washington, D.C. Marketplace enrollees got a premium tax credit.Source
Washington, D.C. expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.
Free, impartial help in Washington, D.C.
If you have Medicare or will soon: Washington, D.C.’s State Health Insurance Assistance Program (SHIP) is DC State Health Insurance Assistance Program (SHIP), 202-727-8370.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source
America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.
Who we usually help in Washington, D.C.
New to private coverage? Start with private health insurance in the USA.
- Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- People who are out of work
- Families who want catastrophic-first coverage
What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.
Washington, D.C. health insurance FAQs
When is open enrollment in Washington, D.C. for 2027 coverage?
Open Enrollment for 2027 coverage in Washington, D.C. runs Nov 1, 2026 to Jan 31, 2027 through DC Health Link.
How much does health insurance cost in Washington, D.C.?
For 2027, the benchmark silver plan for a 40-year-old in Washington, D.C. averages $678 a month before tax credits, up 11% from $610 in 2026 (KFF). In 2026, Washington, D.C. Marketplace enrollees paid $725 a month on average after tax credits ($815 before) (CMS). Your own price depends on your age, county, household income and plan.
What is the average cost of health insurance in Washington, D.C. by age?
For 2027, the benchmark silver plan in Washington, D.C. averages about $602 a month at age 30, $678 at 40, $948 at 50 and $1,440 at 60, before tax credits (KFF benchmark for age 40, other ages on the CMS default age curve; Washington, D.C. sets its own curve, so these are estimates). Most Marketplace buyers pay less after a premium tax credit.
Does Washington, D.C. use HealthCare.gov or its own marketplace?
Washington, D.C. runs a state-based marketplace called DC Health Link. Marketplace plans and any premium tax credit in Washington, D.C. go through it rather than HealthCare.gov.
How do I verify an insurance agent's license in Washington, D.C.?
Look the agent up through the NIPR license lookup, or contact the DC Department of Insurance, Securities and Banking. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.