Best Cheap Health Insurance in Oregon (2025)

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 five-star rating from HealthCare.gov in Oregon. Star ratings measure customer satisfaction, plan quality and management.

Best-rated health insurance companies in Oregon

The main drawback to Kaiser Permanente is that customers can only get medical services at Kaiser hospitals and clinics unless it's an emergency. That makes getting care tricky if you don't live near a Kaiser facility.

However, the interconnected hospital and insurance systems make getting care and filing claims easier.

How much is health insurance in Oregon per month?

Plan tiers don't have to do with the type of care you get. In other words, a Bronze and a Gold plan may cover the same set of services and prescriptions.

Instead, plan tiers relate to how much you pay for medical care. Higher plan tiers have expensive monthly rates, but low costs when you visit the doctor. Lower plan tiers have cheap rates, but you’ll pay more when you go to the hospital.

Cheap Oregon health insurance plans by city

Regence 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, Salem and Corvallis.

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 $715 per month and have a deductible of $1,327, 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 $610 per month and have a deductible of $4,841, 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 $493 per month and have a deductible of $8,255, 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.

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 $21,000 per year as a single person.

You may qualify for Medicaid with a higher income if you're pregnant, under 19 or you have a qualifying illness or disability.

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

Oregon offers free health insurance, called a Basic Health Program, to help bridge the gap between Medicaid and discounted health insurance marketplace plans. In Oregon, this program is called the Oregon Health Plan (OHP) Bridge. You can enroll in the Basic Health Program if you make between about $21,000 and $30,000 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 less than roughly $38,000 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.

Are health insurance rates going up in Oregon?

Bronze plans rose by 11%, on average, and Gold plans got 10% more expensive, on average. Silver plans had the smallest average increase, at 6%. It's likely that health insurance will be even more expensive in 2026.

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. In Oregon, medical insurance companies are asking to be able to raise rates by about 10%, on average.

Changes to discounts on HealthCare.gov in 2026 might also 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

Cost of Oregon health insurance by family size

It costs $303 per month to add a child who is 14 or younger to your Silver medical insurance plan. Until your child turns 15, they’re charged a flat rate each month that doesn't change with age. Once they turn 15, their rates will increase with each year.

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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Frequently asked questions

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Methodology

Oregon health insurance rate data for 2024 is from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin used the CMS public use files (PUFs) in calculations to average rates across a variety of factors such as plan tier, county and family size. Plans and insurance companies for which county-level data was included in the CMS Crosswalk file were used in our reporting. Those excluded from these files were not included in our analysis.

Rate increase request info for Oregon health insurance companies is from the Peterson-KFF Health System Tracker.

Rates are for a 40-year-old with a Silver plan, unless otherwise noted. Other sources include S&P Global Capital IQ, NAIC (National Association of Insurance Commissioners) and the Oregon Department of Health and Human Services.