Updated: October 2, 2026
Advertising & Editorial Disclosure
Kaiser Permanente is the best health insurance in Oregon for 2026 because it combines the lowest Silver premium for a 40-year-old, $504 a month and $96 below PacificSource, with the second-lowest deductible, $3,600. Its $7,900 out-of-pocket maximum is $2,769 above Moda Health's, so Kaiser is the best fit for people who expect little care.
Every plan in MoneyGeek's 2026 Oregon data is an exclusive provider organization (EPO) plan, which covers out-of-network care only in emergencies and federally protected cases. Kaiser Permanente's $118 monthly savings over Moda Health is worth nothing if your doctor isn't in Kaiser's network, so check each carrier's provider directory first.
Moda Health ranks second and is the best choice for people who use care regularly. Its $622 Silver plan costs $118 a month more than Kaiser Permanente's $504 plan, or $1,416 a year, but its $5,131 out-of-pocket maximum (the yearly cap on covered in-network costs) is $2,769 lower. In a year you reach the cap, Moda costs $1,353 less than Kaiser, premiums included.
Kaiser Permanente is the best health insurance company in Oregon for 2026. Kaiser's $504 Silver premium for a 40-year-old is the lowest of seven carriers, and its $3,600 deductible is second-lowest. Its $7,900 out-of-pocket maximum, $2,769 above Moda Health's, matters less for people who expect little care.
Moda Health ranks second and suits people who use care regularly. Moda's $2,471 deductible and $5,131 out-of-pocket maximum are Oregon's lowest, for $118 a month more than Kaiser.
| Kaiser Permanente | $504 | $7,900 | $3,600 | 5 | 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 |
* Statewide Silver-tier averages for a 40-year-old. MOOP is the out-of-pocket maximum, the most you pay for covered in-network care in a year, apart from premiums. Kaiser Permanente's figures include its HSA-eligible Silver plans (plans that can be paired with a tax-advantaged health savings account). Its other Silver plans average $548, as the filter table below shows. The Best Plan column names each carrier's best plan on our list, which isn't always a Silver plan.
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Use the table below to compare Oregon carriers' average premiums, deductibles and out-of-pocket maximums by age, metal tier and HSA eligibility. The default view shows non-HSA Silver plans for a 40-year-old, so Kaiser Permanente's rate here differs from its $504 average above, which includes HSA-eligible plans.
Out-of-pocket maximums range from Moda Health's $5,131 to Regence's $10,138, a $5,007 difference that matters most to people who use care often.
| 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 |
The best health insurance in Oregon for you depends on which carrier's network includes your doctors and on three cost differences. Eligible adults can get free coverage through OHP or OHP Bridge, out-of-pocket maximums differ by $5,007 across carriers and Silver premiums for a 40-year-old differ by $188 a month.
Oregon adults under 65 earning up to 200% of the poverty level ($31,920 for one person) can qualify for free Oregon Health Plan or OHP Bridge coverage. That saves a 40-year-old $6,048 (Kaiser) to $8,304 (BridgeSpan) a year in Silver premiums. Premium tax credits lower premiums from 200% to 400% unless you're offered affordable job-based coverage.
Silver out-of-pocket maximums range from $5,131 with Moda Health to $10,138 with Regence. That $5,007 difference is more than twice the $2,256 a year between Kaiser Permanente's and BridgeSpan's premiums. If you use care often, compare maximums before premiums.
Across carriers, a higher deductible doesn't buy a lower premium. BridgeSpan has both the highest Silver premium ($692) and the highest deductible ($6,100).
Silver premiums for a 40-year-old range from $504 a month with Kaiser Permanente to $692 with BridgeSpan, a $2,256 yearly difference. Rates change with age and county, so compare the carriers sold in your county at OregonHealthCare.gov.
Silver deductibles range from $2,471 with Moda Health to $6,100 with BridgeSpan, a $3,629 difference in what you pay before coverage starts sharing costs. At Kaiser Permanente, a lower deductible costs more. Its Gold plan costs $102 a month more than its $3,600-deductible Silver plan and cuts the deductible to $1,065. People who use care regularly gain the most from Moda's $2,471 deductible.
Every plan in MoneyGeek's 2026 Oregon data is an EPO, which covers out-of-network care only in emergencies and federally protected cases, such as an out-of-network doctor at an in-network hospital. Switching carriers means switching networks. Kaiser Permanente's $118 monthly savings over Moda Health is worth nothing if your specialist isn't in Kaiser's network.
Check each carrier's provider directory before enrolling, especially in rural and eastern Oregon, where Kaiser has fewer contracted providers.
Oregon residents 65 or older look to Medicare instead. OHP Bridge covers adults 19 to 64, and people eligible for premium-free Medicare Part A can't get Marketplace tax credits. Compare Medicare Advantage plans in Oregon and Medicare Supplement plans in Oregon alongside Original Medicare.
For a 40-year-old in Oregon, average monthly premiums range from $525 for Expanded Bronze to $767 for Gold across the four metal tiers shown. Gold costs $210 more a month than Silver's $557 and pays 80% of covered costs on average, compared with 70% for Silver.
Gold can carry a higher yearly cap. Moda Health's Gold out-of-pocket maximum is $6,263, $1,132 above its Silver plan's. The $557 Silver average sits below every carrier's Silver average except Kaiser Permanente's $504, so the statewide figure understates what six of the seven carriers charge.
| EPO | $532 | $525 | $557 | $767 |
* Rates are statewide averages for 40-year-olds in Oregon. Your rates will vary based on your age and location.
Oregon adults under 65 can get free coverage through the Oregon Health Plan or OHP Bridge on incomes up to 200% of the federal poverty level ($31,920 for one person in 2026). This saves a 40-year-old $6,048 (Kaiser Permanente) to $8,304 (BridgeSpan) a year in Silver premiums.
Kaiser Permanente is the best health insurance in Oregon for 2026. A 40-year-old pays $504 a month for its Silver coverage, the lowest of seven carriers, with a $3,600 deductible, the second-lowest.
Moda Health ranks second and suits people who use care regularly, with Oregon's lowest Silver out-of-pocket maximum at $5,131, $2,769 below Kaiser's, for $118 more a month.
Oregon doesn't require health insurance and has no state tax penalty for going uninsured. Adults earning up to 200% of the federal poverty level can qualify for free OHP or OHP Bridge coverage, which saves a 40-year-old the $504 to $692 monthly Silver premium. Those earning 200% to 400% can get premium tax credits.
Open enrollment for 2027 Oregon Marketplace coverage is November 1, 2026, through January 15, 2027. Enroll by December 31 for coverage starting January 1. Enrollments from January 1 to 15 start February 1.
After January 15, a qualifying life event, such as losing coverage or moving, usually opens a 60-day special enrollment period. OHP and OHP Bridge accept applications year-round.
The Oregon Health Plan covers adults earning up to 138% of the federal poverty level at no cost, and OHP Bridge covers adults 19 to 64 earning 138% to 200% who lack other affordable coverage, also at no cost. For one person in 2026, that's income up to $31,920. Residents earning 200% to 400% can get premium tax credits instead.
Kaiser Permanente's EPO network covers Oregon's major metro areas, including Portland, Salem and Eugene, but has fewer contracted providers in rural and eastern Oregon counties. Check Kaiser's provider directory or call Kaiser to confirm your primary care doctor and nearest hospital are in network.
If they aren't, PacificSource, with an Oregon-built network, and BridgeSpan, which shares Regence's Cambia provider base, cost $96 and $188 more a month than Kaiser's $504 Silver plan for a 40-year-old. Because every plan in MoneyGeek's 2026 Oregon data is an EPO, switching carriers means switching networks.
MoneyGeek ranked the best health insurance in Oregon using every 2026 plan available to residents at ages 18, 26, 40, 50 and 60, across Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum tiers. Rates on this page are for a 40-year-old unless stated otherwise.
Scoring breakdown:
Scores are standardized within each metal tier. The best Silver EPO plan receives a 5.0, and other plans are scored proportionally against it.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
