Oregon health insurance 2027: prices, plans and free help

Oregon health insurance facts

Marketplace

Oregon runs its own state-based marketplace, Oregon Health Insurance Marketplace.Source

2027 open enrollment

The Oregon Health Insurance Marketplace states that open enrollment runs November 1 to January 15. Enroll or change plans by December 15 for coverage that starts January 1; act between December 16 and January 15 for a February 1 start.Source All states' 2027 dates.

Medicaid expansion

Oregon adopted Medicaid expansion (Oregon Health Plan, implemented January 1, 2014).Source

State insurance department

Oregon Division of Financial Regulation. File complaints and check agent licenses here.Source

Facts checked 2026-09-14. Rules change; confirm anything you plan around at the linked source.

Average cost of health insurance in Oregon for 2027

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $656 a month for a 40-year-old in Oregon for 2027, before any credit. That is up 21% from $543 in 2026.Source

2027 benchmark silver price by age in Oregon

Oregon sets its own age curve. These figures use the CMS default curve, so treat them as estimates.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.

The 2026 Marketplace in Oregon, in numbers

For 2026, 118,372 Oregon residents picked a Marketplace plan during Open Enrollment, and 60% of them received an advance premium tax credit. The average premium was $741 a month per person before the credit and $426 after it, counting everyone who picked a plan. 1.7% paid $10 a month or less after the credit.Source State premium help paid by Oregon’s own exchange is not included in these figures.

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $543 a month for a 40-year-old in Oregon in 2026, before any credit.Source 6 insurers offered individual-market plans through HealthCare.gov in Oregon for 2026.Source

Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.

What our clients paid, by state and kind of plan, is in health insurance cost by state.

Health insurance companies in Oregon for 2027

Oregon runs its own exchange, so the 2027 insurers and plans for your ZIP code are listed on Oregon Health Insurance Marketplace. Private plans sold outside the exchange are a separate list; an advisor can compare both with you.

Cheap health insurance in Oregon: where the low prices are

Tax credits change the price most. For 2026, 60% of Oregon Marketplace enrollees got a premium tax credit, and 1.7% paid $10 a month or less after it.Source

Oregon expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.

Short-term health insurance in Oregon

Under Oregon law a short-term health plan can be in effect for three months or less, including any renewal, and an insurer cannot issue you a new policy within 60 days of the old one expiring. Short-term plans are not required to cover the ACA essential health benefits, and the Oregon Division of Financial Regulation advises asking whether a plan covers your pre-existing conditions before you buy.Source Short-term plans are not Marketplace coverage and do not get tax credits. How they compare with a catastrophic plan is in catastrophic coverage.

Free, impartial help in Oregon

If you have Medicare or will soon: Oregon’s State Health Insurance Assistance Program (SHIP) is Senior Health Insurance Benefits Assistance (SHIBA), 1-800-722-4134.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in Oregon

New to private coverage? Start with private health insurance in the USA.

• Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• People who are out of work
• Families who want catastrophic-first coverage

We work with families across Oregon, including Portland, Salem, Eugene and Bend, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.

What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.

Oregon health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.