Kaiser Permanente is the best health insurance company in Oregon, offering a strong balance of affordability and coverage across its plans. Other leading insurers in the state, like Moda, Blue Cross Blue Shield and PacificSource, also provide competitive options, depending on your budget, network preferences and health care needs.
Best Health Insurance in Oregon (2026)
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Kaiser Permanente is Oregon's best health insurance provider, effectively combining affordable monthly premiums with manageable deductibles and strong out-of-pocket cost protection.
Compare quotes from multiple insurers, review provider networks and coverage details and confirm that your preferred doctors are included in the plan.
Best Health Insurance Companies in Oregon
| Kaiser Permanente | $504 | $7,900 | $3,600 | 5.0 | Kp Oregon Standard Silver Plan |
| Moda Health Plan, Inc. | $622 | $5,131 | $2,471 | 4.7 | Moda Health Affinity Silver 3000 |
| Blue Cross Blue Shield | $610 | $5,963 | $3,736 | 4.5 | Silver 6500 Legacy |
| PacificSource | $600 | $8,978 | $5,803 | 3.8 | Core Gold 3000 |
| Regence | $615 | $10,138 | $6,025 | 3.7 | Silver 6500 Direct Legacy |
| BridgeSpan | $692 | $8,767 | $6,100 | 3.6 | Bridgespan Standard Silver Plan |
| Providence Health Plan | $651 | $8,889 | $5,995 | 3.6 | Connect 6000 Silver |
*Our picks reflect the best companies for 40-year-olds seeking Silver-tier plans. Rates vary by age and coverage level.
Kaiser Permanente
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$504Average MOOP
$7,900Average Deductible
$3,600
Moda Health
MoneyGeek Rating
4.7/ 5
4.5/5Affordability
5/5Deductible
5/5MOOP
Average Monthly Rate
$622Average MOOP
$5,131Average Deductible
$2,471
Blue Cross Blue Shield
MoneyGeek Rating
4.5/ 5
4.6/5Affordability
4.1/5Deductible
4.5/5MOOP
Average Monthly Rate
$610Average MOOP
$5,963Average Deductible
$3,736
Best Health Insurance in Oregon by Category
EPO plans are Oregon's only available network type, making age and metal tier the primary cost factors. Kaiser Permanente offers 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)
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. | $622 | EPO | Silver | $5,131 | $2,471 | 40 | No |
| Blue Cross Blue Shield | $610 | EPO | Silver | $5,963 | $3,736 | 40 | No |
| Kaiser Permanente | $548 | EPO | Silver | $8,584 | $3,646 | 40 | No |
| PacificSource | $600 | EPO | Silver | $8,978 | $5,803 | 40 | No |
| Regence | $615 | EPO | Silver | $10,138 | $6,025 | 40 | No |
| BridgeSpan | $692 | EPO | Silver | $8,767 | $6,100 | 40 | No |
| Providence Health Plan | $651 | EPO | Silver | $8,889 | $5,995 | 40 | No |
How to Choose the Best Health Insurance in Oregon
Finding the right health insurance in Oregon involves comparing your specific coverage needs with available providers and their enrollment processes.
- 1Assess your health care needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense. Past medical expenses help predict future costs and guide your deductible choice.
- 2Compare quotes from multiple insurers
Request rates from at least three Oregon health insurance companies to spot price differences and coverage variations.
- 3Check provider networks
Verify your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront.
- 4Review out-of-pocket maximums and deductibles
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your MOOP caps annual expenses, limiting your total costs.
- 5Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less, while PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans fall between these options.
- 6Explore federal programs
Subsidies and Medicare plans make health insurance more affordable. If you have a low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options.
How Much Does Health Insurance Cost in Oregon?
Oregon health insurance costs vary metal tier, age and location. EPO plans are the only network type available in the state, ranging from $532 monthly for Bronze coverage to $767 for Gold plans, with Platinum options unavailable.
| EPO | $532 | 525 | 557 | 767 |
*Rates are averages for 40-year-olds in Oregon. Your rates will vary based on your age and location.
Best Health Insurance in Oregon: Bottom Line
Kaiser Permanente, Moda and Blue Cross Blue Shield are the best health insurance companies in Oregon. The best option for you depends on your age, health needs, budget and preferred network. Get quotes from multiple insurers and compare premiums, deductibles and out-of-pocket maximums before you enroll.
Best Oregon Health Insurance: FAQ
Here are key questions about the best health insurance in Oregon:
Is health insurance required in Oregon?
No, Oregon doesn't require residents to have health insurance. The state has no individual mandate or tax penalty for being uninsured. Residents can still access subsidies through Oregon's health insurance marketplace to make coverage more affordable if they choose to purchase a plan.
When is open enrollment in Oregon?
Oregon's open enrollment period for 2026 health coverage starts November 1, 2025, and ends January 31, 2026. You must select your plan by December 31, 2025, to have coverage start January 1, 2026.
Can you get free health insurance in Oregon?
Yes, Oregon residents can access free health insurance through the Oregon Health Plan, the state's Medicaid program. Low-income individuals and families often qualify for no-cost coverage. Others may receive premium subsidies through Oregon's health insurance marketplace that significantly reduce monthly costs.
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 is the most you'll pay for covered services in a year, not including premiums. Plans with lower MOOP limits score better.
- Deductible (20%): This amount must be paid before insurance starts covering costs. Plans with smaller deductibles earn higher ratings.
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.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.