Health Insurance

Best Cheap Health Insurance in Oregon 2021

Best Cheap Health Insurance in Oregon 2021

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In 2021, the average cost of health insurance in Oregon across all metal tiers is $467 per month, which is 6% more expensive than in 2020.

The cheapest health insurance plan in Oregon for most people is the Moda Health Affinity Silver 3500, which is the most affordable option in 31% of the state's counties. Alternatively, shoppers could find cheap coverage with KP OR Silver 4500/40 and Moda Health Beacon Silver 3500, depending on availability.

Cheapest health insurance coverage by metal tier

We compared health insurance plans in Oregon to assist your search for the best coverage. The metal tier and the ages of those covered by the plan largely affect the monthly premium on your health insurance plan.

A lower metal tier (Catastrophic, Bronze and Expanded Bronze) carries higher out-of-pocket costs but has more affordable monthly premiums. But as age increases, premiums across all metal tiers increase. For example, a 40-year-old would pay $70 more on average per month for a Gold plan than a 40-year-old. But that same 40-year-old would only pay $117 more per month for a Gold policy than for Bronze coverage.

Average cost of health insurance in Oregon by metal tier

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The table below shows the cheapest plans available in Oregon for each metal tier.

Although the plans in the table may not be available in your county, they show how health plans typically work: higher metal tiers tend to have more expensive premiums, but lower deductibles. Connect 4500 Silver, for example, has a much lower deductible than the KP OR Bronze 8550/75, but it costs $104 more per month for a 40-year-old.

Metal tier
Cheapest plan
Maximum out-of-pocket
Monthly cost for a 40-year-old
CatastrophicNavigator Catastrophic$8,550$8,550$237
Expanded BronzeKP OR Bronze 8550/75$8,550$8,550$298
SilverConnect 4500 Silver$4,500$8,550$402
GoldKP OR Gold 1500/30$1,500$7,900$417

Finding the best health insurance coverage in Oregon

Because the county in which you live determines the health insurance plans available and their monthly premiums, the best health insurance plan for you may differ depending on where you live. Furthermore, the best health plan for you depends on your medical needs and financial situation. Within each tier, the costs and benefits will differ, but all plans within a given tier will offer roughly the same coverage and require you to pay the same expenses as a whole.

Typically, policies in the higher metal tiers have costlier monthly premiums, but they also have lower out-of-pocket expenses, like deductibles, copays and coinsurance. If you think you may become sick or already have high recurring medical costs, like ongoing prescriptions, a policy in a higher metal tier may be the best choice for you. Alternatively, if you're young and healthy, getting a policy in a lower metal tier may help you save money.

Gold plans: Best for high expected medical costs

Plans in the higher metal tiers typically cover the greatest share of out-of-pocket costs, which means paying lower deductibles, copays and coinsurance. These health insurance plans are the most cost effective if you expect to incur high medical expenses due to chronic conditions or costly prescriptions.

On average, you can expect a Gold plan to cover roughly 80% of your health care expenses, while you pay the other 20%. But these benefits come at the expense of a higher monthly premium compared to Silver or Bronze plans.

The cheapest Gold plan in Oregon is KP OR Gold 1500/30. Compare all tiers in Oregon above.

Silver plans: Best for those with low income or average medical costs

Silver policies offer a middle ground between Gold plans and Expanded Bronze plans. For example, the deductible you would have to meet on the Connect 4500 Silver plan would be $4,500. That means you would need to pay this amount for your medical costs before the plan begins to cover your expenses. This is higher than the $1,500 deductible on the KP OR Gold 1500/30 plan, but much lower than the $8,550 deductible you can expect from the KP OR Bronze 8550/75 Expanded Bronze plan.

This metal tier also stands out for lower-income households, which can qualify for cost-sharing reduction (CSR) subsidies with a Silver health plan, lowering your out-of-pocket expenses. Typical Silver plans cover about 70% of your health care costs, while you pay 30%. By using CSR subsidies, you could qualify for a Silver plan that covers up to 94% of your health care costs.

The cheapest Silver plan in Oregon is Connect 4500 Silver. Compare all tiers in Oregon above.

Bronze and Catastrophic plans: Best for young, healthy people

Catastrophic plans may offer the lowest monthly rates, but they're limited to people younger than 30 or those who qualify for an exemption. Furthermore, these health plans provide the least coverage and are only recommended if you have the financial means to cover a large portion of your health care expenses in case of an emergency.

Expanded Bronze plans are open to everyone and similarly offer cheaper monthly premiums than higher metal tier plans alongside reduced coverage and higher out-of-pocket costs. So, if you need medical care during the year, you would have to pay more out of pocket before coverage kicks in.

The cheapest Expanded Bronze plan in Oregon is KP OR Bronze 8550/75. The cheapest Catastrophic plan in the state is Navigator Catastrophic Compare all tiers in Illinois above.

Short-term health insurance in Oregon

You can purchase short-term health insurance in Oregon at any time during the year. For this reason, considering a short-term plan may be smart if you miss open enrollment or lose coverage through a job. However, you should carefully evaluate these policies before purchasing one, as these plans do not cover the essential health benefits.

In Oregon, regulators do not follow federal guidelines when it comes to short-term policies. The state imposes a maximum coverage length of three months for this type of health plan.

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Health insurance companies in Oregon

In Oregon, there are currently six health insurance providers on the exchange, one more than there were in 2020:

Oregon Health Insurance Companies

  • Moda Health Plan, Inc.
  • Providence Health Plan
  • BridgeSpan Health Company
  • Regence BlueCross BlueShield of Oregon
  • PacificSource Health Plans
  • Kaiser Permanente

The available health insurance plans change depending on your location. Most counties have two to three insurance company options, but larger counties likely have more. Regardless of where you live, a range of plans at all coverage tiers are available to fit your medical and financial needs.

Cheapest health insurance plan by county

The insurers and health insurance plans available on the state exchange will vary depending on your county, so we identified the cheapest Silver plan in every county in Oregon to help you get started. Below, you can find sample monthly quotes for an individual, a couple and a family of three for the cheapest Silver plan in your county.

County name
Cheapest plan
Age 40
Couple, age 40
Couple, age 40 plus Child
BakerModa Health Affinity Silver 3500$502$1,004$1,253
BentonKP OR Silver 4500/40$426$852$1,064
ClackamasConnect 4500 Silver$402$804$1,004
ClatsopModa Health Beacon Silver 3500$443$886$1,106
ColumbiaKP OR Silver 4500/40$406$812$1,014
CoosModa Health Beacon Silver 3500$443$886$1,106
CrookNavigator Silver 3000$479$958$1,196
CurryModa Health Beacon Silver 3500$443$886$1,106
DeschutesSilver Care on Demand 4000 EPO Individual and Family Network$451$901$1,125
DouglasSilver Care on Demand 4000 EPO Individual and Family Network$511$1,021$1,275
GilliamModa Health Affinity Silver 3500$502$1,004$1,253
GrantModa Health Affinity Silver 3500$502$1,004$1,253
Show All Rows

Average cost of health insurance by family size in Oregon

When considering your family’s health insurance plans, keep in mind that factors like the number of people who need coverage and their ages will affect the monthly premium. If you add children to your health insurance plan, each child will cost a flat rate for coverage until they are 15 years old. After reaching 15, the monthly rate will increase as they grow older.

For instance, the average monthly health insurance cost for a family of three, assuming two 40-year-old parents and a child on a Silver plan, is $1,249 in Oregon. If you were to add another child to the plan, the monthly premium would increase by $248. For a family of four, the total monthly cost of health coverage would be $1,497.

Family size
Individual plus child$749
Couple age 40$1,000
Family of three (adult couple and a child)$1,249
Family of four (adult couple and two children)$1,497
Family of five (adult couple and three children)$1,746

Adults are assumed to be 40 years old, while children are no older than 14. Sample rates are based on the average cost for a Silver plan in Oregon.

Health insurance rate changes in Oregon

The cost of health insurance is set by individual health companies. Once an insurer determines the rates, they are sent to the federal health insurance exchange for approval.

Overall, the cost of health insurance rose by 6% from 2020 to 2021. However, not every metal tier changed accordingly. The price of Catastrophic plans fell by 6%. The cost of Extended Bronze, Silver, and Gold plans are increased. Gold plans are 7% more expensive this year than last year — the largest cost increase.

Metal tier
2020 premium
2021 premium
Expanded Bronze$368$3834%

Rates are based on a 40-year-old adult.


The health insurance premiums 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 metal tier, family size and region by reference cost data from CMS's Public Use Files (PUF).

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.


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