Washington UnitedHealthcare Exchange Plans

Effective January 1, 2021, UnitedHealthcare will be expanding options for members in to purchase health insurance using a Health Insurance Marketplace, otherwise known as an Exchange.  These new plans will be offered on the Individual Marketplace where individuals and families can shop for a health plan and apply for federal subsidies.

In Washington the UnitedHealthcare Exchange plans will utilize the Charter network of providers. The plans are being offered as part of the state’s Cascade Care program and will be known as Cascade Select Gold, Cascade Select Silver, and Cascade Select Bronze plans.  In Washington we will be offering plans in 10 counties including Adams, Clallam, Jefferson, King, Kittitas, Lincoln, Mason, Pierce, Whitman and Yakima areas. These plans:

  • Are specifically designed for Exchanges
  • Utilize a customized, more focused network of care providers
  • Require the member to be assigned a PCP to manage their health care needs.
  • Require the PCP to submit electronic referrals for members to see a network specialist
  • Require prior authorization and notifications

Out of Network / Out of Area Benefit Coverage

It is important to note that Exchange members have NO OUT-OF-NETWORK or OUT-OF-AREA benefit coverage, except for emergency services and related admissions, unless specifically approved by UnitedHealthcare.  Members must receive eligible services at participating provider locations within the service area if they are to be considered as covered.


2021 Health Plans are tailored for each market.  There are three metal levels in Washington, including the following options:

  • Cascade Select Gold
  • Cascade Select Silver
  • Cascade Select Bronze