Find Affordable Coverage in Oregon
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Oregon ACA Marketplace Overview
In 2026, approximately 155,000 Oregon residents are enrolled in ACA Marketplace coverage. Oregon uses its own state-run exchange for health insurance enrollment.
Oregon has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Oregon?
The benchmark Silver plan (second-lowest-cost Silver plan) in Oregon costs approximately $368/month before subsidies in 2026. However, most Oregon residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Oregon households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Oregon household income.
Top ACA Health Insurance Companies in Oregon
The following carriers offer ACA Marketplace plans in Oregon for 2026:
- PacificSource
- Moda Health
- Kaiser Permanente
Plan availability varies by county in Oregon. Use Oregon Health Plans Exchange to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Oregon
- Bronze: Lowest premiums, highest deductibles. Best for healthy Oregon residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Oregon households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Oregon residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Oregon counties.
When to Enroll in Oregon
- Open Enrollment: November 1 – January 15 on Oregon Health Plans Exchange
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Oregon Insurance Resources
- Oregon Health Plans Exchange — Official Oregon enrollment portal
- Oregon Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit