How Much Does Health Insurance Cost in Bellingham, WA?
Bellingham pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Bellingham's diversified economy.See our methodology
Health Insurance Pricing in Bellingham, WA
In Bellingham, health insurance costs are 10% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 95K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in health insurance costs here. Heavy rainfall requires excellent moisture management for roofing and foundations.
Market-specific factors matter in Bellingham: environmental regulations may affect building materials and methods.
Bellingham has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Bellingham vs National Average
What Affects Health Insurance Cost in Bellingham?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Bellingham Market Conditions
environmental regulations may affect building materials and methods
Local Climate Impact
heavy rainfall requires excellent moisture management for roofing and foundations
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Top-Rated Health Insurance Pros in Bellingham, WA
7 providersSummit Electrical
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Tips to Save on Health Insurance in Bellingham
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Bellingham Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $420 | — |
| 2021 | $438 | +4.3% |
| 2022 | $467 | +6.6% |
| 2023 | $480 | +2.8% |
| 2024 | $495 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Bellingham
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Bellingham than other cities?
Bellingham's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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