Best Cheap Health Insurance in Oregon (2026)

Best and cheapest health insurance in Oregon

Cheapest health insurance companies in Oregon

Affordable health insurance in Oregon

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Best health insurance companies in Oregon

Kaiser Permanente is the only company with a perfect 5-star rating from HealthCare.gov in Oregon. That means the company has excellent customer satisfaction, plan quality and management.

Best-rated health insurance companies in Oregon

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How much is health insurance in Oregon per month?

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Health insurance discount changes in Oregon for 2026

That's up from about $252 per month after discounts in 2025. Costs are going up because the bigger "enhanced" subsidies that have been in place since 2021 are expiring at the end of 2025. That means, while there will likely still be discounts on the marketplace next year, they won't save you as much money.

Health insurance rates in Oregon after subsidies (2025 vs. 2026)

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Cheap Oregon health insurance plans by city

Providence also has the most affordable plans in major Portland suburbs like Gresham, Hillsboro and Beaverton.

Kaiser Permanente has the best rates in some of Oregon's other larger cities, such as Eugene, Corvallis and Springfield. And Regence BlueCross BlueShield has the cheapest Silver plans in Salem and Bend.

Cheapest health insurance plans by OR county

Best health insurance by level of coverage

Gold plans: Best for expensive medical needs

In Oregon, Gold plans cost $767 per month and have a deductible of $1,660, on average.

Gold plans are a good choice if you need a lot of medical care. That's because these plans have low deductibles. Further, Gold plans have lower limits on how much you'll pay in total for care in a single year, called an out-of-pocket max.

However, Gold plans also have expensive average rates. If you don't expect to use a lot of medical care in the coming year, you'll probably pay more than you need to with a Gold plan.

Silver plans: Best for normal medical needs

In Oregon, Silver plans cost $643 per month and have a deductible of $5,459, on average.

Silver health plans balance middle-of-the-road rates and affordable costs that you're responsible for paying when you go to the hospital. Consider Silver health insurance if you have fairly average health care needs.

People who earn a low income may be eligible for extra discounts — called cost-sharing reductions — that can help you pay for out-of-pocket costs, such as your deductible, copays and coinsurance.

Bronze plans: Best if you're younger or generally healthy

In Oregon, Bronze plans cost $550 per month and have a deductible of $8,379, on average.

Bronze plans have cheap rates, but you'll pay a large amount of money before most coverage starts, called a deductible.

That means Bronze plans are a good choice for typically healthy people who can afford to pay a large, unexpected bill from their savings.

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Affordable and free health insurance in Oregon for people who earn a low income

Medicaid: Best free health insurance for those who earn a low income

You may qualify for free health coverage from the government, called Medicaid, if you earn less than about $22,000 per year as a single person.

You may qualify for Medicaid with a higher income if you're pregnant, you're under 19 or you have a qualifying illness or disability. In Oregon, Medicaid is called the Oregon Health Plan (OHP).

Oregon Health Plan (OHP) Bridge: Best free coverage for those who don't qualify for Medicaid

Oregon offers free health insurance, called the Oregon Health Plan Bridge, to help bridge the gap between Medicaid and discounted health insurance marketplace plans. You can enroll in the Oregon Health Plan Bridge program if you make between about $22,000 and $31,500 per year as a single person.

Silver plans with cost-sharing reductions: Best for discounted coverage

You may be eligible for extra discounts, called cost-sharing reductions, if you make between $15,650 and $39,125 per year as a single person. These discounts help you pay for the costs you're responsible for when you visit the doctor, like your deductible, copay and coinsurance.

Cost-sharing reductions are only available if you have a Silver health plan. A Silver plan with cost-sharing reductions and subsidies is usually a better option than a Bronze plan.

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Are health insurance rates going up in Oregon?

Bronze plans rose by 11%, on average, and Gold plans got 7% more expensive, on average. Silver plans had the smallest average increase, at 5%. Since 2022, Silver plans have gotten 35% more expensive.

Why is health insurance expensive in OR in 2026?

As health care gets more expensive, it costs more when you visit the doctor or get medication. Health insurance companies then raise rates for everyone to make up for the added cost.

Changes to discounts on HealthCare.gov in 2026 are also likely to make health insurance more expensive. Since 2021, the discounts for people with low incomes have been bigger. These were called "enhanced subsidies," and they're going to expire at the end of 2025 unless Congress extends them. If they do expire, the discounts in 2026 won't be as big — this means you'll pay a higher rate for a health plan even if you get monthly subsidies.

What to do if your rate goes up in 2026

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Cost of Oregon health insurance by family size

It costs about $320 per month to add a child who is 20 or younger to your Silver medical insurance plan. Until your child turns 21, they’re charged a flat rate each month that doesn't change with age. Once they turn 21, their rates will increase with each year.

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Short-term health insurance in Oregon

Short-term health insurance can help you bridge a temporary coverage gap. But, these plans usually offer worse coverage than regular health insurance — plus, short-term health insurance offers fewer protections than marketplace plans.

Pros of short-term health insurance in OR

Cons of short-term health insurance in OR

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Health insurance enrollment by income level in Oregon

That's because low-income populations already have tighter budgets, making them less able to handle changes to their health insurance rates. A third of people in Oregon who have ACA plans make less than $37,650 per year.

Oregon has a better safety net than many states, with the Oregon Health Plan Bridge program helping to fill the gap between Medicaid and marketplace discounts.

Enrollment by income

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Frequently asked questions

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Methodology

Oregon health insurance rate data for 2026 is from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin used the CMS public use files (PUFs) to find average rates for different plan tiers, geographic locations and family sizes.

Rates

Rates are based on a 40-year-old with a Silver plan, unless otherwise noted. Rates for Bronze plans include regular and Expanded Bronze plans for 2024, 2025 and 2026, when the plans are available. Your costs and plan options will vary; plans aren't always available in all parts of a state or county.

Subsidies

Rates after subsidies are estimates for a 40-year-old with a Benchmark Silver plan and are based on how subsidies were structured before 2021. Prices are calculated using KFF's rates for full-price Benchmark plans, federal poverty levels (FPLs), IRS rules about premium tax credits and Congressional reports about expanded tax credits. The total cost in the state uses calculated rates by income, which are weighted using CMS data on the incomes of those who purchased plans during the previous year's open enrollment. The median was used for each income range. Unknown incomes were excluded from the calculations. Incomes of 100% of the federal poverty line and 500% of the federal poverty line were assumed for enrollees who earn less than 100% FPL and more than 500% FPL, respectively. Information about state subsidies, when available, was sourced from state marketplaces.

Ratings

ValuePenguin's experts rank companies based on cost, coverage options, customer satisfaction and unique value. Ratings are out of 100 possible points. ACA ratings show how the company performs in Oregon for medical care, member experience and plan administration. The 2026 plan quality data from CMS is based on data from the previous year. Ratings are not available for new plans or plans with low enrollment.

More sources

Enrollment trends, including plan selections by tier and enrollment by income, are from CMS data for the 2024-2025 open enrollment period.

Info on why rates are going up in Oregon is from the Peterson-KFF Health System Tracker. Other sources include the National Association of Insurance Commissioners (NAIC), the Oregon Department of Health and Human Services, the Oregon Health Authority and S&P Global Capital IQ.