Oregon Health Insurance: Find Affordable Plans (2024)

The Affordable Care Act, often referred to as Obamacare, no longer requires every Oregon resident to have health insurance. Some states have developed their own health insurance requirements outside of the ACA, but Oregon is not included in those states at this time.

In Oregon, residents can enroll in a health plan during open enrollment. If you missed open enrollment, you can still enroll or change coverage if you have a qualifying life event. Oregonians can purchase plans through private insurance providers or the federal exchange.

The cheapest health insurance in Oregon starts for as low as $148 per person for major medical plans.*

* This is the lowest-price Bronze plan available from eHealth in Oregon, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.

Oregon residents can expect to pay an average of $459 per person* for a major medical individual health insurance plan. Prices will vary and premiums can be lower if you are in good health.

* This is the average price of a plan available from eHealth in Oregon, but actual prices available depend on zip code, age, gender, and other factors. Get a personalized quote to see what may be available for you.

While Oregon does have its own health insurance marketplace by the name of OregonHealthCare.gov, it directs you to the federally-managed healthcare insurance exchange HealthCare.gov. This makes the state-run platform of OregonHealthCare.gov more of a pitstop than a destination for finding individual and family health insurance and business health insurance plans. This also means that if you need affordable health insurance in Oregon, you need to follow the enrollment period outlined by HeathCare.gov. However, OregonHealthCare.gov still lets you find private health insurance options such as HMO plans as well as government-funded coverage such as Medicaid and Medicare. This makes sure that you are able to find suitable healthcare insurance that covers all your requirements.

You can enroll in an ACA-compliant plan in Oregon between November 1 to January 15. This enrollment period is directly related to the guidelines set by HealthCare.gov. In turn, this gives you around two and a half months to find Oregon medical insurance policies through private options such as HMO plans and government programs such as Medicaid. However, if you cannot enroll into a suitable plan within this period, you can turn toward special enrollment. With that being said, this enrollment outside of the given period is only available for those who have gone through certain life events that are called qualifying events.

The Oregon Health Plan (OHP) is a state-funded program that provides free or low-cost health coverage to eligible Oregon residents. It is designed to assist individuals and families who meet specific income and other criteria. OHP offers comprehensive healthcare benefits, including doctor visits, prescription medications, preventive care, and hospital stays. Eligibility for OHP is determined based on income, household size, and other factors. To determine if you qualify for the Oregon Health Plan, you can visit the official website or contact the Oregon Health Authority.

The income limit to qualify for the Oregon Health Plan varies depending on factors such as household size and whether you are applying as an individual or a family. The income limits are set by the Oregon Health Authority and are based on a percentage of the Federal Poverty Level (FPL). Income limits for Medicaid programs vary. The most generous coverage is for children, who qualify if their family’s income is up to 300% of the federal poverty level. In 2023, that would be $90,000 for a family of four. It is important to review the current income guidelines, which are regularly updated, to determine if you meet the eligibility criteria for the Oregon Health Plan.

Oregon offers a range of health insurance plans to cater to the diverse needs of its residents. These include employer-sponsored plans, individual and family plans, and plans available through the Oregon Health Insurance Marketplace. Each plan has its own coverage options, costs, and network of healthcare providers. It is essential to carefully evaluate the coverage, benefits, and costs associated with each plan to determine which one best fits your healthcare needs and budget.

The deadline for enrolling in Oregon health insurance varies depending on the type of plan you are applying for. For employer-sponsored plans, the enrollment period is typically determined by your employer. For individual and family plans and plans available through the Oregon Health Insurance Marketplace, the open enrollment period generally runs from November to December each year. However, there may be special enrollment periods for individuals who experience qualifying life events such as marriage, birth of a child, or loss of other health coverage. It is important to be aware of the specific enrollment deadlines and qualifying events to ensure timely enrollment.

Yes, supplemental health insurance is available in Oregon.

Low-income residents in Oregon may qualify for free health insurance through Medicaid.

In Oregon, short-term health insurance plans are limited to a duration of up to three months and cannot be renewed.

The cost of health insurance in Oregon varies but is generally comparable to the national average.

As of 2023, approximately 1.4 million Oregon residents were enrolled in Medicaid.

Major insurance providers in Oregon include Kaiser Permanente, Providence Health Plan, Moda Health, and PacificSource Health Plans.