ACA Health Insurance > Break Down > Health Insurance in Oregon
Health Insurance Oregon: Your Roadmap to Affordable Coverage
From Portland to Medford—We’ve Got Oregon Covered.
Hey there, Oregon neighbor! Looking for health insurance in Oregon? Whether you’re self-employed, newly uninsured, or exploring better coverage, this guide breaks it all down in a way that actually makes sense.
Why Should You Buy Health Insurance in Oregon?
It’s not just about avoiding big medical bills—it's about staying healthy, catching issues early, and having support when life takes a turn.
Why it matters in Oregon:
About 7% of Oregon residents under 65 are uninsured.
Common health concerns in the state include asthma, mental health issues, and high cholesterol.
ACA plans offer free preventive care, including mental health screenings, physicals, and vaccinations.
With insurance, you’re not just getting a safety net—you’re investing in peace of mind.
Types of Health Insurance Available in Oregon
Marketplace Plans (ACA via OregonHealthCare.gov)
Oregon has a state-based marketplace, but residents enroll through HealthCare.gov. You can compare ACA plans and apply for subsidies here.
Short-Term Insurance
Short-term plans are available and offer basic temporary coverage. They’re not ACA-compliant but may help if you’re between jobs or missed open enrollment.
Medicare
Oregonians 65+ or living with disabilities qualify for Medicare, which includes options for hospital coverage, outpatient care, and prescription plans.
Medicaid (Oregon Health Plan)
Oregon has expanded Medicaid, known as the Oregon Health Plan (OHP). It covers low-income adults, families, pregnant women, and individuals with disabilities.
Private Insurance
You can also buy health insurance directly from carriers or through an employer. We help you explore and compare all of your options.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Oregon?
Nope—there’s no state or federal requirement to have health insurance in Oregon. But that doesn’t mean going without it is a good idea.
Without coverage, you’ll pay full price for doctor visits, prescriptions, and emergencies. Plus, you miss out on preventive care that’s 100% free with most ACA plans.
Even if you’re healthy, having insurance is a smart financial move that can save you big time.
How Much Does Health Insurance Cost in Oregon?
Costs vary depending on your age, income, family size, and where you live in Oregon. But most people qualify for premium tax credits that lower monthly costs.
Some pay as little as $0/month, and others secure quality coverage for under $75/month. Even if you don’t think you qualify, it’s worth checking.
Medicare premiums depend on which parts (A, B, C, D) you choose, and whether you add supplemental coverage.
💡 Add a subsidy calculator to help Oregonians estimate their monthly costs and potential savings.
How to Pick the Right Health Plan for You
Ask yourself a few key questions:
Do I see the doctor often or rarely?
What medications do I take?
Do I want access to naturopathic or mental health care?
What can I afford to spend monthly and yearly?
Oregon offers a variety of plan types. We’re here to walk you through the differences and help you find your best fit.
Our Health Insurance Services in Oregon
We’re not just here to sell you a plan—we’re here to help you make sense of the whole process.
Who We Help
We assist:
Gig workers, artists, and small business owners
Seniors planning for Medicare
Families and individuals exploring Oregon Health Plan eligibility
Anyone who wants a real person to talk to, not a robot
What We Offer
We help with:
HealthCare.gov enrollment
Oregon Health Plan applications
Medicare guidance and plan comparisons
Private plan quotes
Vision, dental, and prescription savings
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare your plan options.
Talk to a local agent (optional).
Enroll online or by phone in minutes.
We’ll walk you through it all.
Most Affordable Health Insurance in Oregon
These top ACA-compliant carriers offer some of the lowest prices in the state:
Moda Health – Oregon-based and known for wide networks and quality service.
Providence Health Plan – Strong regional provider with good preventive care options.
BridgeSpan Health Company – Affordable pricing and simple plan structures.
We’ll help you compare based on what you care about: price, doctors, benefits, and reliability.
Top 3 Most Uninsured Cities in Oregon
While Oregon has made big progress, some areas still see higher uninsured rates:
Grants Pass, OR – High unemployment and rural access barriers affect coverage.
Klamath Falls, OR – Many eligible residents remain unenrolled in Medicaid or ACA plans.
Medford, OR – Cost concerns and confusion about subsidies lead to coverage gaps.
No matter where you live, we’re here to help you get covered with care and confidence.
Final Tip from Your Friendly Guide
Health insurance in Oregon is about more than just checkups—it’s about choice, freedom, and security. You deserve care that fits your life.
Whether you’re ready to enroll or just want to explore your options, we’re here when you need us. Let’s get you covered.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!