Oregon Health Insurance Plans 2021

Oregon residents looking for the best price for health insurance can look up plans and pricing by visiting the Healthcare.gov platform using the OregonHealthcare.gov website. They can join the 141,089 enrollees in the state who use an individual or family plan to cover their healthcare costs.

Oregon residents can enroll in health coverage during the extended special enrollment period until August 15, 2021. You may still qualify for a special enrollment period to enroll any time after August 15, 2021, if you have had a qualifying life event.

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Highlights and Updates

  • All Oregon residents have access to affordable healthcare options through the state-run exchange that uses the Healthcare.gov platform.
  • The Special Enrollment Period for the Oregon Health Insurance Marketplace has been extended until August 15, 2021.
  • Short-term insurance plans for Oregon residents last for a total duration of three months maximum. This includes any renewal periods.
  • The average cost of health insurance in Oregon is $459 per month per person.
  • Oregon has six private healthcare carriers that offer coverage through the Healthcare.gov platform: BridgeSpan, Kaiser Permanente, Moda, PacificSource Health Plans, Providence Health Plan Oregon, and Regence.

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: Moda Health Plan, Inc., Providence Health Plan, BridgeSpan Health Company, Regence BlueCross BlueShield of Oregon, PacificSource Health Plans, and Kaiser Permanente.

What are the Cheapest Health Insurance Companies in Oregon?

For most Oregon residents, the most affordable health insurance individual plans in 2021 include:

  • Moda Health Affinity Silver 3500: Averages $503 per month
  • KP OR Silver 4500/400: Averages $426 per month
  • Connect 4500 Silver: Averages $402 per month

How has Obamacare Helped Oregon Uninsured?

Since it first began in 2010, the Affordable Care Act, also known as ObamaCare, has helped many people in Oregon enroll in healthcare plans that are effective and affordable. As a result, the rate of uninsured residents in the state dramatically decreased. Now more than 95% of Oregon residents have affordable healthcare, including 98% of all children in the state.

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.

How Much Does Health Insurance Cost in Oregon?

As of 2021, the average cost of health insurance in Oregon across all three metal tiers is $467 per month. That is around 6% more expensive than the cost in 2020.

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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. These costs are averaged based on 2021 numbers and statistics.

Cheapest Oregon Health Insurance Coverage by Metal Tier

Gold Plans

The most affordable Gold Plan for Oregon residents is KP OR Gold 1500/30. This plan’s deductible is $1,500 with a maximum out-of-pocket cost of $7,900 and a monthly cost for the average individual of $417.

Silver Plans

The most affordable Silver Plan in Oregon is the Connect 4500 Silver plan. It has a deductible of $4,500 with a maximum out-of-pocket cost of $8,550 and a monthly cost for the average individual of $402.

Bronze Plans

The most affordable Bronze Plan for Oregon residents is the KP OR Bronze 8550/75 plan. It has a deductible of $8,550 and a maximum out-of-pocket of $8,550 as well. The average monthly premium for individuals is $298.

Catastrophic Plans

The most affordable Catastrophic Plan in Oregon is the Navigator Catastrophic plan. It has a deductible of $8,550 and a maximum out-of-pocket cost of $8,550. The difference between this plan and the KP OR Bronze 8550/75 plan is the monthly premium, which is $237.

Oregon Health Insurance Costs by Occupation

What is the Average Cost of Health Insurance for a Student in Oregon?

Students have several options when it comes to health insurance in Oregon. They can choose to stay on their parent’s plan if they are a full-time student. This would be the most affordable option.

They may also choose a school-sponsored plan offered by the college or university they attend or visit the HealthCare.gov marketplace to find an affordable plan that fits their budget.

What is the Average Cost of Health Insurance for Self-employed in Oregon?

Being self-employed and not having the option of a low-cost health insurance plan from an employer can be difficult. Fortunately, there are affordable plans out there for individuals and families through the HealthCare.gov marketplace.

In 2021, an individual with one child can expect to pay around $749 per month, while a family of four with two adults and two children usually pays around $1,497. 

What is the Average Cost of Health Insurance for Small Business Owners in Oregon?

Oregon small business owners pay at least $114 per employee for health insurance coverage in 2021. All companies in the state that have 50 or more full-time employees must provide health insurance coverage.

Oregon Health Insurance Costs by Number of Participants

What is the Average Cost of Health Insurance for Families in Oregon?

In 2021, the average cost of health insurance for a family of three in Oregon is $1,249 per month. For a family of four, the average premium is around $1,497. 

What is the Average Cost of Health Insurance for Individuals in Oregon?

In 2021, the average cost of health insurance for an individual across all metal tiers is $467 per month. The most affordable option for most Oregon residents is the Moda Health Affinity Silver 3500 plan or the KP OR Silver 4500/40, depending on availability.

What is the Average Cost of Health Insurance for a Child in Oregon?

The Oregon State Children’s Health Insurance Program or SCHIP offers health insurance for all eligible children up to age 19 if a private insurance company does not already insure them. This coverage provides complete medical, dental, and vision care to all members.

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. In 2021, Oregon’s most affordable catastrophic plan has a deductible of $8,550 and a maximum out-of-pocket cost of $8,550.

Short-Term or Temporary 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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