Oregon residents looking for the best price for health insurance can look up plans and pricing visiting the www.healthcare.gov platform or using the www.oregonhealthcare.gov website.
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How to Buy Health Insurance in Oregon
To purchase health insurance in Oregon, residents can use the OregonHealthcare.gov website. There they can find out more about health insurance marketplace plans and eligibility. Then when they decide to apply and enroll in a plan, the website will lead them to the federal health insurance marketplace, also known as HealthCare.gov.
Applying for coverage through the marketplace is the only way for Oregon residents to obtain health insurance premiums based on their income. This option helps to reduce both their premium and out-of-pocket costs.
Individuals and families may also apply for an Oregon Health Plan (OHP) that is not a private health insurance plan or through Medicare by visiting ONE.Oregon.gov.
How to Apply for Health Insurance in Oregon
To apply for a health insurance plan through the OregonHealthcare.gov and Healthcare.gov marketplace, you must meet all eligibility requirements. To be eligible, you must be a citizen or national of the United States and reside in the U.S.
To apply, visit the OregonHealthcare.gov website, which will redirect you to the HealthCare.gov site, where you can apply online.
Health Insurance Carriers In Oregon
The options for health insurance plans vary depending on where you live in the state. Most Oregon counties will have two or three companies available. However, larger counties are likely to have more options available.
There are six main health insurance providers in Oregon:
- BridgeSpan
- Kaiser
- Moda
- PacificSource
- Providence
- Regence
Oregon Health Insurance Costs Overview
Oregon Health Insurance Plans are made up of three metal tiers: Bronze, Silver, and Gold. The more coverage you desire, the more expensive your premium will be each month.
Bronze plans typically cover around 60% of your total costs. Gold plans often cost around 53% more than bronze plans. However, they also cover 80% of all healthcare costs.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Oregon?
As of 2025, the average cost of health insurance in Oregon across all three metal tiers is $510 per month.
What is the Cheapest Health Insurance Plan in Oregon?
Oregon residents’ cheapest health insurance plans include catastrophic plans that carry a high, out-of-pocket cost with a lower monthly premium. While plans may not be available in all areas, residents can decide based on the fact that health plans in the higher metal tiers will have more expensive premiums but a lower deductible to payout.
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Cheapest Oregon Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Ohio in 2025 was $560.
Silver Plans
The average lowest cost premium of a Silver Plan in Ohio in 2025 was $497.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $408.
Other Types of Oregon Health Insurance Coverage
Catastrophic Health Insurance in Oregon
Catastrophic health insurance is a policy that will pay for your medical bills after you pay off a high deductible. It is the most affordable option for health insurance coverage but requires you to pay more out-of-pocket. The plans will cover your first three primary care visits and all preventative care visits for free, even if you haven’t reached your deductible.
Short Term Health Insurance in Oregon
Short-term or temporary health insurance plans provide you with coverage during a transitional period, such as when you are between jobs. These plans last for a total duration of three months maximum, and that includes any renewal periods.
Low Income Health Insurance in Oregon
Low-income health insurance options are available to Oregon residents who are eligible for these services. These options provide coverage at a low cost or no cost to the policyholders.
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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D