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.
















