Best Cheap Health Insurance in Oregon (2024)

At $442 per month, the Regence Blue Cross Blue Shield Silver 6500 Legacy plan is the best cheap health insurance plan in OR.

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It is notably the cheapest Silver plan in and around Portland, which is home to over 40% of Oregon's population. While Regence Blue Cross Blue Shield (BCBS) has high-quality plans, Kaiser Permanente is the best health insurance company in Oregon overall.

Health insurance in Oregon costs an average of $578 per month for a 40-year-old with a Silver plan.

Kaiser Permanente's low average rates, excellent customer satisfaction and high-quality plans make it the best health insurance company in Oregon. It's also the most popular health insurance company, making up over 40% of all active health insurance plans in the state.

How much does health insurance cost in Oregon?

A Silver health insurance plan in Oregon costs an average of $578 per month for a 40-year-old. But the cost of health insurance changes based on a few different metrics. Your age, the number of people on your plan, the plan tier you buy, where you live, if you smoke or use tobacco, and what health insurance company you pick all change your rate.

Oregon health insurance rates by age and plan tier

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The plan tier you buy has one of the biggest impacts on how much you pay. Higher-tier plans, like Gold, usually cost more each month since they give you more coverage. Your age can also change your rate significantly. The older you are, the more you are likely to pay since age typically makes it more likely that you will develop health issues.

Cheapest health insurance in Oregon

Regence Blue Cross Blue Shield has the cheapest Bronze and Silver plans in Oregon. But if you want a Gold plan, Kaiser Permanente has the cheapest option.

Cheapest plan
Monthly cost
Bronze Regence BCBS Bronze Virtual Value 8500 Legacy $338
Silver Regence BCBS Silver 6500 Legacy $442
Gold Kaiser Permanente Gold 1750/20 $489

Monthly costs are for a 40-year-old.

If you don't have health insurance through your job, you can sign up for an Oregon health insurance plan on You can enter your ZIP code to view the plans in your area and filter by company, plan level and even covered prescription medications.

medical symbol

To choose the right health insurance plan, compare a plan's benefits to your medical needs. Pick a plan that covers the doctors you go to and the medications you take, for example. It's usually worth it to pay more for a plan that fits your needs, rather than buying a cheap plan that doesn't have the right coverage for your specific situation.

Finding your best health insurance coverage in Oregon

To find the best health insurance plan in Oregon, make sure you understand your medical needs, budget and overall financial situation. You should look for a plan that is affordable and gives you coverage for the health care you need.

You also need to make sure you can pay the total out-of-pocket limit on the plan in an emergency. Usually, the more health care you need, the higher the plan tier you should buy.

Gold plans: Best for frequent medical care

If you go to the doctor often, have a chronic or complex medical condition, or need expensive treatments, a Gold plan could be the best option. These plans pay a bigger portion of your medical bills and let you pay a lower share. That's because Gold plans have lower deductibles and out-of-pocket limits than other plan tiers. This usually offsets the higher monthly cost for those who need frequent health care.

Silver plans: Best for most people

Silver policies offer a middle ground between Gold plans and Bronze plans. While they aren't as cheap as Bronze plans, they still have good rates, and they give you more coverage. Silver plans usually have lower deductibles, coinsurance and copays compared to Bronze plans, which means you pay for less of your health care overall.

piggy bank

Silver is the only plan tier that qualifies for cost-sharing reductions. These are discounts that reduce how much you pay when you go to the doctor by giving you lower deductibles and other out-of-pocket costs. To qualify, you have to make less than about $36,000 as a single person or $75,000 as a family of four. If you qualify for cost-sharing reductions, you also likely qualify for rate subsidies that make your plan cheaper each month. You can get rate subsidies on Bronze, Silver or Gold plans.

Bronze plans: Best for young, healthy people

Bronze plans have the cheapest monthly rates but come with a trade-off. You have to pay for more of your health care yourself since the deductibles, coinsurance and copays on these plans are generally higher. If you are generally healthy and don't go to the doctor often, a Bronze plan can be a good idea. But make sure you have enough money in the bank to pay a large portion of your health care bills if you have a serious issue, like a surgery or hospital stay.

Medicaid: Best if you have a low income

Medicaid is a government-funded health insurance program for people with low incomes. To qualify for the Oregon Health Plan, which is the state's Medicaid program, you can make up to about $20,000 as a single person or $41,000 as a family of four. You might be able to make more and still qualify if you are a child or are pregnant. For example, you could make up to $90,000 per year as a family of four and your children could still qualify for the Children's Health Insurance Program.

Are health insurance rates going up in Oregon?

Health insurance is more expensive in Oregon for 2024 compared to past years. Bronze plans, which are the most popular option in the state, cost $65 more per month for 2024. That comes out to $780 more each year. Silver plans and Gold plans also cost more.

Change (2023 to 2024)
Bronze & Expanded Bronze$356$380$44517%

Monthly costs are for a 40-year-old.

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Best cheap health insurance companies in Oregon

Kaiser Permanente is the best health insurance company in Oregon.

Kaiser has the cheapest average rate for Silver plans. It also has excellent customer satisfaction and high plan quality. And Kaiser's health insurance plans sync with its medical offices, which can make getting medical care and handling your bills easier. But it also means it can be harder to get care at a non-Kaiser facility.

Cheapest health insurance companies in Oregon

Kaiser Permanente logo
Kaiser Permanente$507
Moda logo
Regence logo
Regence BCBS$579
Pacific Source Health Plans logo
Providence Health Plan logo
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Average monthly cost for a 40-year-old buying a Silver plan in OR.

However, every company in Oregon has a rating of four out of five stars on, except BridgeSpan, which isn't yet rated. Although Kaiser Permanente is a standout company, most companies in Oregon offer high-quality plans and good customer service.

Cheapest health insurance plan by Oregon county

Where you live in Oregon affects what companies and plans are available to you. Regence BCBS has the cheapest Silver health insurance plan in the Portland area. But throughout the rest of Oregon, PacificSource is more likely to have the cheapest Silver plan.

Cheapest Silver plan
Monthly rate
BakerPacificSource Navigator Silver 4000$590
BentonKaiser Permanente Silver 4000/40$501
ClackamasRegence BCBS Silver 6500 Legacy$442
ClatsopModa Beacon Silver 6400$530
ColumbiaKaiser Permanente Silver 4000/40$462
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Cheapest Silver plan with rates for a 40-year-old

Average cost of health insurance by family size in Oregon

In Oregon, a couple with two children under age 15 pays an average of $1,729 per month for a Silver health insurance plan.

It costs $287 per month to add a child who is 14 or younger to your Silver health insurance plan. Until your child turns 15, they are charged a flat rate each month that doesn't change with age. Once they turn 15, their rates will increase with each year.

Family size
Average cost
Individual and child$865
Couple, age 40$1,155
Family of three (adult couple and a child)$1,442
Family of four (adult couple and two children)$1,729
Family of five (adult couple and three children)$2,016

It's more expensive to add an adult to your plan. A single 40-year-old pays an average of $578 per month for a Silver plan in Oregon, and the cost doubles when a partner joins your plan.

Short-term health insurance in Oregon

A short-term health insurance plan could be a good choice if you are between jobs, just graduated from college, can't afford other coverage or otherwise only need a plan for a short period of time. Plans in Oregon can only last for a total of three months. If you need coverage for longer, you have to buy a new plan from a different insurance company. The same company can't sell you another plan within 60 days of your prior plan ending.

Short-term health insurance plans don't give you the same level of coverage that you would get from a Bronze, Silver or Gold plan from You may not have coverage for prescription medications or mental health care, for example. Before you commit to a plan, make sure you understand what it covers.

Frequently asked questions

What is the best health insurance in Oregon?

Kaiser Permanente is the best health insurance company in Oregon based on its low rates, good-quality plans and high customer satisfaction. But the best health insurance for you is a plan that gives you coverage for your specific medical needs at a rate you can afford each month.

How much is health insurance in Oregon per month?

Health insurance in Oregon costs $578 per month, on average, for a 40-year-old with a Silver plan. Rates vary based on where you live, how many people you have on your plan, your age, the plan tier you choose, the company you buy from, and whether you smoke or use tobacco.

Does Oregon have free health insurance?

Oregon's Medicaid program, the Oregon Health Plan, which includes both Medicaid and the Children's Health Insurance Program, offers low-cost or free health insurance to people with low incomes. You might also be able to get a plan for $10 or less per month on if you qualify for discounts on your monthly rate.


The 2024 health insurance rates and plan information used in this analysis were sourced from the Centers for Medicare & Medicaid Services (CMS) government website. ValuePenguin determined the average rates by plan tier, age, family size and region using reference cost data from the CMS public use files (PUFs). Plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this data set may not appear. The information about popular plan tiers was provided by KFF.

Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.