Apple Health for Workers with Disabilities (HWD)

Apple Health for Workers with Disabilities (HWD) is health care coverage for individuals with blindness or a disability who are working. HWD has no resource or income limit. This means you are not limited to how much you can earn or have in your bank account.

Is HWD coverage right for you?

HWD coverage may be right for you if you have a blindness or disability and are working at a job or self-employed and:

  • Need better health or prescription coverage.
  • Need a caregiver or are receiving long-term services and supports.
  • Are receiving in-home or residential facility care and cannot afford participation. 
  • Need treatment for mental health and substance use disorder.
  • Already have health coverage but cannot afford your insurance premium.

Program requirements

You may be eligible for Apple Health HWD if you:

  • Are not eligible for other Apple Health programs.
  • Are employed (including self-employment) full or part time.
  • Are age 16 or older.
  • Are a resident of Washington.
  • Are a U.S. citizen or meet Medicaid immigration requirements.
  • Meet the federal disability requirement even if you are age 65 or older. (Social Security Income or Social Security Disability Insurance).
  • Pay the monthly premium on time.

Monthly premiums

Your monthly HWD premium is based on how much you earn and will not be more than 7.5 percent of your total income. To learn more read the HWD fact sheet

American Indians and Alaska Natives are exempt from paying premiums for HWD.

Applying for Apple Health HWD coverage

  • Online: Visit
  • Paper application: Print out and complete Form 18-005. Mail the form to the Washington State Department of Social and Health Services (DSHS): DSHS Home and Community Services, P.O. Box 45826, Olympia, WA 98504-5826.
  • Fax: 1-877-635-8305
  • Phone: 1-800-871-9275