Best Health Insurance in Oregon (2026)


Key Takeaways
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Kaiser Permanente offers the best health insurance in Oregon, with Silver plans starting at $504/month for a 40-year-old.

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In Oregon's EPO-only market, out-of-network care isn't covered outside emergencies. Check each insurer's provider directory before comparing premiums.

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Moda Health's Silver deductible of $2,471 is the lowest in Oregon and its MOOP of $5,131 is $3,453 below Kaiser's, the better cost structure for anyone who expects to use care regularly.

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Compare quotes from multiple insurers, review provider networks and coverage details and confirm that your preferred doctors are included in the plan.

Oregon's decision to offer only EPO plans on the individual marketplace keeps baseline premiums lower than states where PPO options add pricing flexibility for enrollees. In my Oregon analysis of 2026 rates across seven Oregon insurers, the difference between the lowest and highest Silver-tier monthly premium for a 40-year-old was $144. 

For Oregon enrollees who rarely reach their deductible, Kaiser's lower monthly rate is the better deal. For anyone managing a chronic condition or planning a procedure, Moda's $5,131 MOOP saves $3,453 versus Kaiser's $8,584 ceiling in any year you reach your out-of-pocket maximum.

Which Health Insurance Company Is the Best in Oregon?

When we reviewed Oregon's insurers across plan types for a 40-year-old, Kaiser Permanente stood out as the best health insurance company, with Silver EPO plans averaging $504 per month and deductibles of $3,600. Blue Cross Blue Shield has the second-lowest Silver MOOP at $5,963, at $610 monthly. PacificSource is the regional alternative for enrollees whose providers aren't in Kaiser's or Moda's network in their county. At $2,471, Moda Health's Silver deductible is the lowest in Oregon. It's the stronger choice for enrollees who prioritize lower upfront costs over a lower monthly premium.

Kaiser Permanente$504$7,900$3,6005Kp Oregon Standard Silver Plan
Moda Health Plan, Inc.$622$5,131$2,4714.7Moda Health Affinity Silver 3000
Blue Cross Blue Shield$610$5,963$3,7364.5Silver 6500 Legacy
PacificSource$600$8,978$5,8033.8Core Gold 3000
Regence$615$10,138$6,0253.7Silver 6500 Direct Legacy
BridgeSpan$692$8,767$6,1003.6Bridgespan Standard Silver Plan
Providence Health Plan$651$8,889$5,9953.6Connect 6000 Silver

*Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by age and coverage level. 

The MOOP difference is $5,007, from Moda's $5,131 to Regence's $10,138. A buyer who picks BridgeSpan at $692 over Kaiser at $548 pays $1,728 more per year. The additional cost buys a cost ceiling only $183 higher.

Kaiser Permanente

Kaiser Permanente

MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
  • Average Monthly Rate

    $504
  • Average MOOP

    $7,900
  • Average Deductible

    $3,600
Moda Health

Moda Health

MoneyGeek Rating
4.7/ 5
4.5/5Affordability
5/5Deductible
5/5MOOP
  • Average Monthly Rate

    $622
  • Average MOOP

    $5,131
  • Average Deductible

    $2,471
Blue Cross Blue Shield

Blue Cross Blue Shield

MoneyGeek Rating
4.5/ 5
4.6/5Affordability
4.1/5Deductible
4.5/5MOOP
  • Average Monthly Rate

    $610
  • Average MOOP

    $5,963
  • Average Deductible

    $3,736
PacificSource Health Plans

PacificSource Health Plans

MoneyGeek Rating
3.8/ 5
4.6/5Affordability
2.7/5Deductible
2.6/5MOOP
  • Average Monthly Rate

    $600
  • Average MOOP

    $8,978
  • Average Deductible

    $5,803
Regence BlueCross of Oregon

Regence BlueCross of Oregon

MoneyGeek Rating
3.7/ 5
4.5/5Affordability
2.5/5Deductible
2.5/5MOOP
  • Average Monthly Rate

    $615
  • Average MOOP

    $10,138
  • Average Deductible

    $6,025
BridgeSpan

BridgeSpan

MoneyGeek Rating
3.6/ 5
4.2/5Affordability
3/5Deductible
2.7/5MOOP
  • Average Monthly Rate

    $692
  • Average MOOP

    $8,767
  • Average Deductible

    $6,100
Providence Health Plan

Providence Health Plan

MoneyGeek Rating
3.6/ 5
4.3/5Affordability
2.5/5Deductible
2.7/5MOOP
  • Average Monthly Rate

    $651
  • Average MOOP

    $8,889
  • Average Deductible

    $5,995

What Is the Best Health Insurance in Oregon by Age and Plan Type?

Oregon's individual marketplace offers only EPO plans. Age and metal tier are the two cost factors that vary across the seven carriers. Kaiser Permanente sells the state's lowest Silver premiums across all age groups, with Moda Health ranking second.

By Age:

  • Teens (18): Kaiser Permanente EPO ($272 monthly), Moda EPO ($309)
  • Young adults (26): Kaiser Permanente EPO ($439 monthly), Moda EPO ($498)
  • Adults (40): Kaiser Permanente EPO ($548 monthly), Moda EPO ($622)
  • Seniors (60): Kaiser Permanente EPO ($1,165 monthly), Moda EPO ($1,320)

I found that the gap between Kaiser Permanente's premium advantage and Moda Health is $37 per month at 18. A 60-year-old choosing Moda over Kaiser pays $1,860 more annually in premium. Moda's Silver plan tier MOOP of $5,131 is $3,453 below Kaiser's for the same tier. For a 60-year-old managing ongoing health costs, that out-of-pocket maximum difference can recover the premium gap in a single plan year. 

By Network Type (40-year-olds):

  • EPO: Kaiser Permanente leads at $548 monthly for affordable Silver coverage

Compare Oregon Health Insurance Providers

Monthly premiums, deductibles and MOOP vary across Oregon insurers. Filter by age, metal level, plan type and HSA eligibility to compare costs.

Data filtered by:
Silver
40
No
Moda Health Plan, Inc.$622EPOSilver$5,131$2,47140No
Blue Cross Blue Shield$610EPOSilver$5,963$3,73640No
Kaiser Permanente$548EPOSilver$8,584$3,64640No
PacificSource$600EPOSilver$8,978$5,80340No
Regence$615EPOSilver$10,138$6,02540No
BridgeSpan$692EPOSilver$8,767$6,10040No
Providence Health Plan$651EPOSilver$8,889$5,99540No

One thing to note is that though the Kaiser Permanente's premium is at $548 and Blue Cross Blue Shield is at $610, its Silver-tier MOOP is $8,584 vs. BCBS's $5,963. This reflects that a $62 monthly premium difference can cost you up to $2,621 more at Kaiser if you reach your annual out-of-pocket maximum sooner.

How to Choose the Best Health Insurance in Oregon

Oregon's seven carriers differ on premium, deductible, MOOP and provider network. Your coverage needs and preferred doctors determine whether the $144 monthly premium spread and $5,007 MOOP range work in your favor. Confirm your doctors are in-network before comparing premiums.

  1. 1
    Assess your health care needs

    In Oregon's EPO-only market, your first question isn't which metal tier to pick. It's whether your current doctors, specialists and hospitals are in any carrier's network at all. Check each insurer's provider directory before comparing premiums. A $74 monthly savings at Kaiser Permanente versus Moda Health means nothing if your specialist isn't in Kaiser's network. Past medical expenses help predict future costs once you've confirmed network coverage.

  2. 2
    Compare quotes from multiple insurers

    MoneyGeek's 2026 Oregon rate analysis found a $144 monthly premium gap across seven Silver-tier carriers for a 40-year-old: $1,728 per year. Use HealthCare.gov to compare all seven carriers for your age and county.

  3. 3
    Check provider networks

    Verify that your preferred doctors, specialists and hospitals accept plans you're considering. EPO plans pay nothing toward out-of-network non-emergency care. You cover the full cost.

  4. 4
    Review out-of-pocket maximums and deductibles

    Higher deductibles lower monthly premiums but increase upfront costs when you need care. Oregon's Silver-tier MOOPs range from $5,131 at Moda Health to $10,138 at Regence: a $5,007 gap that determines how much you owe in any year you use care heavily.

  5. 5
    Evaluate plan types

    Oregon's individual market covers EPO plans and HMO plans only at the Gold tier. PPOs or POS plans are not available at any metal tier. EPO plans require you to stay in-network for covered care, with no out-of-network option except emergencies. Confirm your current doctors participate in your chosen plan's EPO or HMO Gold-tier network before enrolling, since switching carriers also means switching provider access.

  6. 6
    Review Federal Coverage Options

    Premium subsidies reduce costs for Oregon residents earning between 138% and 400% of the federal poverty level. Oregon residents 65 or older can review Medicare Advantage plans in Oregon and Medicare Supplement plans in Oregon alongside original Medicare.

How Much Does Health Insurance Cost in Oregon?

Oregon health insurance costs vary by metal tier, age and location. EPO plans range from $532 monthly for Bronze coverage to $767 for Gold plans, with Platinum options unavailable.

EPO$532525557767

*Rates are averages for 40-year-olds in Oregon. Your rates will vary based on your age and location.

Oregon's average Silver-tier EPO premium is of $557 per month for a 40-year-old, but you should note that the premiums vary by county within a state. We found that the Silver premiums increased 5% from 2025 to 2026, the smallest increase of any metal tier. Bronze rose 11% and Gold rose 7% over the same period, per our analysis of CMS rate filing data.

What Oregon Marketplace Enrollees Should Know Before Buying

Oregon uses HealthCare.gov for enrollment, prohibits tobacco surcharges and offers premium subsidies to most enrollees, saving an average of $525 per month.

  • oneSign icon
    Enrollment Platform

    Oregon operates as a state-based exchange but uses HealthCare.gov for 2026 plan enrollment and comparison. All Oregon Marketplace plans are available through HealthCare.gov, so you don't need to use a separate state portal. The state is building its own enrollment platform, expected to launch in fall 2026.

  • twoSign icon
    No Tobacco Surcharges

    Oregon bans tobacco surcharges on Marketplace plans. Most other states allow surcharges of up to 50%, so Oregon enrollees pay the same rate as nonsmokers regardless of tobacco use.

  • threeSign icon
    Premium Subsidies for Most Enrollees

    About six in 10 Oregon Marketplace enrollees qualified for premium subsidies in 2026 and saves an average of $525 per month, per CMS data. Residents who didn't apply for subsidies during enrollment claim the premium tax credit when filing federal taxes.

Can You Get Free or Low-Cost Health Insurance in Oregon?

Oregon has three paths to free or subsidized health insurance depending on your income. The Oregon Health Plan covers residents earning up to 138% of the federal poverty level, $22,025 annually for a single person in 2026, at no cost. The OHP Bridge program covers those earning between 138% and 200% of the federal poverty level, or $22,025 to $31,920 for one person. Marketplace subsidies reduce premiums for higher earners above that range.

Oregon Health Plan (OHP)

OHP Bridge Program

Marketplace Subsidies for Higher Earners

Best Oregon Health Insurance: FAQ

We've answered the most frequently asked questions about the best health insurance in Oregon below, including costs, Medicaid eligibility and enrollment windows:

Is health insurance required in Oregon?

When is open enrollment in Oregon?

Can you get free health insurance in Oregon?

Does Kaiser Permanente cover my area in Oregon?

Our Review Methodology

Our ranking system evaluates health insurance plans based on three cost factors: monthly premiums, maximum out-of-pocket limits and deductibles.

Scoring breakdown:

  • Monthly premium (60%): Plans with the cheapest average monthly costs receive top scores.
  • Maximum out-of-pocket (MOOP) score (20%):  MOOP caps your annual cost-sharing. A lower MOOP limits your total exposure in any year you use care heavily, so lower MOOP limits earn higher scores.
  • Deductible (20%): A lower deductible means your coverage starts paying sooner. Plans with average deductibles below the field median score highest on this dimension.

We standardized all scores within each plan category. The best Silver-tier HMO plan receives a 5.0 score, with other plans rated proportionally against this benchmark.

MoneyGeek examined all 2026 health insurance options available to Oregon residents ages 18, 26, 40, 50 and 60. Premium costs shown reflect 40-year-old rates unless stated otherwise. Our analysis covers Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum plan levels.

Related Pages

About Mark Fitzpatrick


Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.


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