Health Insurance in Oregon

Medicaid in Oregon

Oregon expanded Medicaid in 2014 under the Oregon Health Plan (OHP). The program covers adults aged 19 to 64 with household incomes up to 138% FPL (about $20,780 for a single person in 2026). Over one million Oregonians are enrolled in OHP, making it one of the largest Medicaid programs relative to state population in the country.

Oregon delivers Medicaid through Coordinated Care Organizations (CCOs), which are regional entities that integrate physical health, behavioral health, and dental care. This model has been nationally recognized as an innovation in Medicaid delivery. CCOs are accountable for outcomes and spending, not just service volume.

Oregon's uninsured rate is approximately 5.5%, with about 230,000 residents lacking coverage. The state has made significant progress reducing its uninsured population since ACA implementation.

What plans cost in 2026

Oregon marketplace premiums vary by region. A benchmark Silver plan for a 40-year-old ranges from about $400 to $650 per month before subsidies. The Portland metro area tends to have lower premiums due to carrier competition, while rural eastern and southern Oregon counties see higher prices with fewer carrier options.

Oregon had approximately 160,000 marketplace enrollees in 2025. With enhanced subsidies expiring after 2025, the subsidy cliff returns at 400% FPL (about $62,160 for a family of two). Oregon's Division of Financial Regulation reviews all rate filings and has authority to reject unreasonable increases, which provides some consumer protection that many other FFM states lack.

Carriers in Oregon (2026)

Multiple insurers offer individual marketplace plans in Oregon for 2026. Carrier availability varies significantly by county:

• Kaiser Permanente offers plans in the Portland metro and parts of the Willamette Valley. Kaiser operates its own hospitals and clinics in an integrated model. If you already use Kaiser doctors, their marketplace plans are a natural fit. Kaiser's closed network means you generally must use Kaiser facilities.
• Moda Health is an Oregon-based carrier offering plans in multiple counties, including both metro and some rural areas. Moda has a broad provider network and has been a consistent marketplace presence. Their Beacon network is one of the larger individual market networks in the state.
• PacificSource Health Plans serves central and southern Oregon, including the Bend and Eugene areas. PacificSource is a regional carrier with strong local provider relationships.
• Providence Health Plan offers marketplace plans in select Oregon counties. Backed by Providence Health & Services, one of the largest health systems in the Pacific Northwest, their plans include access to the extensive Providence hospital and clinic network.
• BridgeSpan Health (a Cambia Health Solutions subsidiary) offers plans in select counties. BridgeSpan tends to offer PPO-style plans with broader out-of-network benefits.

The Portland metro area (Multnomah, Washington, Clackamas counties) has the most carrier options, typically four or five. Rural counties in eastern Oregon may have only one or two carriers.

Key regions

Portland metro

Multnomah, Washington, and Clackamas counties have the most competitive marketplace in the state. OHSU (Oregon Health & Science University), Providence, Legacy Health, and Kaiser Permanente are the major hospital systems. Multiple carriers compete here, keeping premiums relatively lower. This region accounts for the majority of Oregon's marketplace enrollment.

Willamette Valley (Salem, Eugene, Corvallis)

Marion County (Salem), Lane County (Eugene), and Benton County (Corvallis) are served by several carriers. Salem Health, PeaceHealth (Eugene), and Samaritan Health Services (Corvallis) are key providers. The Willamette Valley generally has good competition and moderate premiums.

Central Oregon (Bend, Redmond)

Deschutes County has seen rapid population growth. St. Charles Health System is the major provider. PacificSource is a strong carrier here. Premiums can be moderate, but specialist access sometimes requires travel to Portland.

Rural eastern and southern Oregon

Counties like Harney, Malheur, Lake, and Klamath have limited healthcare infrastructure and typically one or two marketplace carriers. Critical access hospitals serve many of these communities. Premiums are higher, and travel for specialty care is common. Sky Lakes Medical Center (Klamath Falls) and Asante (Medford/Ashland area) are the key systems in southern Oregon.

Estimate your subsidy

Oregon-specific things to know

Rate review provides some protection. Oregon's Division of Financial Regulation actively reviews marketplace rate filings and can reject unreasonable increases. This provides a layer of consumer protection that is not present in all states. Rate decisions are made public, so you can see how much each carrier requested versus what was approved.

Oregon Health Plan is generous. If you qualify for OHP (income under 138% FPL), the benefits are comprehensive with no premiums and minimal cost-sharing. Oregon's CCO model means your care is coordinated through a local organization. Check OHP eligibility before shopping on the marketplace.

Free enrollment assistance. Oregon has a robust network of community-based enrollment assisters and certified navigators. Organizations like the Oregon Health Insurance Marketplace and local community health centers provide free help with applications.

Resources

• HealthCare.gov for marketplace enrollment (Oregon uses the federal marketplace)
• Oregon Health Plan for Medicaid eligibility and enrollment
• Oregon Health Insurance Marketplace for consumer assistance and plan information