Best Health Insurance in Oregon (2026)

Kaiser Permanente is the best health insurance company in Oregon for 2026, with Silver EPO plans averaging $504 per month and a $3,600 deductible for a 40-year-old. Moda Health is a strong alternative for people who expect more medical care. Its $2,471 average Silver deductible is the lowest in Oregon, while its $5,131 out-of-pocket maximum is $3,453 lower than Kaiser's $8,584.

Blue Cross Blue Shield averages $610 per month and has the second-lowest Silver out-of-pocket maximum at $5,963. PacificSource is best suited for people whose preferred providers aren't in other carriers' networks.

Oregon's individual marketplace only has EPO plans, so compare each insurer's provider network along with premiums, deductibles and out-of-pocket maximums.

* Rates shown are statewide averages for 40-year-olds with Silver-tier plans.

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

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.

EPO plans are the only health insurance plan type available on Oregon's marketplace. For a 40-year-old, average premiums range from $525 per month for Expanded Bronze plans to $767 for Gold plans. Bronze plans average $532 per month, while Silver plans average $557. Although Gold plans have the highest premiums, they cover a larger share of health care costs with lower deductibles and out-of-pocket limits.

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

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). The Oregon Health Plan is Oregon's Medicaid program. It covers adults who earn up to 138% of the federal poverty level at no cost. There are no premiums, deductibles or copays for most covered services under OHP. Enrollment is open year-round and is not restricted to the annual open enrollment period.
• OHP Bridge Program. The OHP Bridge program extends free coverage to Oregon adults earning between 138% and 200% of the federal poverty level and covers residents who earn too much for OHP but too little for unsubsidized Marketplace plans. Residents in this income range can enroll through the Oregon Health Insurance Marketplace at any time.
• Marketplace Subsidies for Higher Earners. Oregon residents who earn above 200% of the federal poverty level may qualify for premium tax credits that reduce monthly Marketplace plan costs. Subsidies are calculated based on household income, family size and the cost of the benchmark Silver plan in your county.

We ranked health insurance plans 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.