Best Oregon Health Insurance (2023 Plans)

With a MoneyGeek score of 81 out of 100, Moda is the best health insurance provider in Oregon. This company has low average MOOP rates and approves most claims. However, there are a couple of companies that charge lower average monthly premiums.

We analyzed 23 Silver EPO (Exclusive Provider Organization) plans and three PPO (Preferred Provider Organization) plans in Oregon to determine our overall winner.

In Oregon, the best health insurance provider for low out-of-pocket costs is PacificSource Health Plans, which received a MoneyGeek score of 78 out of 100. It performed well in claims management, denying fewer insurance claims than most other compared insurers. It also offers many different plan options.

For this category, we compared 18 Gold EPO plans and two Gold PPO plans to determine our top pick.

Kaiser Permanente offers the best cheap health insurance in Oregon, earning a MoneyGeek score of 74 out of 100.

For this category, we weighted plan costs more heavily in our scoring. Providers often charge lower monthly premiums in exchange for higher MOOP costs. This may be preferable if you don’t require much medical attention.

Our study analyzed and compared 23 Silver EPO plans and three Silver PPO plans for our category winner and plan recommendations.

If you're focused soley on cost, MoneyGeek also determined the cheapest health insurance in Oregon.

Earning a MoneyGeek score of 71 out of 100, Kaiser Permanente is the best health insurance company for Oregonians with low income.

To determine the winner for this category, we scored health insurance companies that offer plans with cost-sharing reductions (CSRs) and favored low monthly premiums. We evaluated 23 Silver EPO plans and three Silver PPO plans in Oregon.

CSRs lower deductibles, MOOPs, copayments and co-insurance for individuals in certain income brackets. While a standard Silver plan covers around 70% of expected health care costs, cost-sharing is higher for a CSR plan.

For instance:

• Those with annual incomes between $27,180 and $33,975 (201%–250% of the federal poverty level) qualify for a plan that covers 73% of health insurance costs.
• Those with annual incomes between $20,385 and $27,180 (151%–200% of the FPL) qualify for a plan that covers 87% of health insurance costs.
• Those with annual incomes below $20,385 per year (up to 150% of the FPL) qualify for a plan that covers 94% of health insurance costs.

Keep in mind that these income brackets shift based on the number of people in your household.

The best health insurance company for young adults in Oregon is Providence Health Plan, earning a MoneyGeek score of 69 out of 100.

For this category, we examined health insurance providers that sell Bronze or Catastrophic plans, which usually have lower premiums but higher MOOP costs. Catastrophic plans can only be purchased by those under 30 years old.

Our study reviewed 30 Bronze plans (26 EPO and four PPO), along with one Catastrophic PPO plan.

Health insurance providers offer different plan types. The best options for each plan type available in Oregon are:

• EPO: Moda (MoneyGeek score of 87 out of 100)
• PPO: PacificSource Health Plans (MoneyGeek score of 100 out of 100)

We limited our recommendations to Silver plans, which balance premiums and out-of-pocket costs. This metal tier is ideal for individuals looking for adequate health care coverage at an affordable cost.

Oregon has 23 Silver EPO plans and three Silver PPO plans.

With a MoneyGeek score of 90 out of 100, National General Accident & Health offers the best short-term health insurance in Oregon. Short-term health insurance is only ideal for covering temporary gaps in health care coverage as it does not cover essential health benefits, unlike plans that comply with the Affordable Care Act (ACA) requirements.

Your budget and health care needs will dictate the best health insurance for you. Before shopping for health insurance, evaluate how much you want to pay in monthly premiums compared to out-of-pocket expenses when you need care.

Oregonians aged 65 and older or those with a disability or illness may qualify for Medicare. This is a federal health care program that offers affordable health care coverage to eligible individuals.

Medicare has three parts, with each one covering different services:

• Part A (Hospital Insurance): Hospital stays, skilled nursing facility care, some home health care services and hospice care.
• Part B (Medical Insurance): Medical supplies, doctors’ visits, outpatient treatments and preventive care services.
• Part D (Prescription Drug Insurance): Prescribed medications and several essential vaccines.

We rounded up the best Medicare Advantage and Medicare Supplement plans in Oregon.

Medicaid is another federal health care program that provides free or low-cost health care coverage for certain individuals. In Oregon, you may be eligible for free Medicaid if your household income is below 138% of the federal poverty level (FPL). You may also qualify for Oregon Medicaid if you are pregnant, are responsible for a child aged 17 or younger or have a disability.

Concerns about costs and availability are common when looking for health insurance. Below, we answered some of the frequently asked questions about health insurance in Oregon.