Best Health Insurance in Oregon








Best Overall for Health Insurance in Oregon
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.
MoneyGeek Pick: Moda

pros
Low MOOP costs
High claims acceptance rate
Several plan type options
cons
Monthly premiums can be costly
COMPANY HIGHLIGHTS
Our pick for the best overall health insurance company in Oregon is Moda. It offers nine Silver EPO plans, which tend to be relatively affordable and don’t always require a referral to see a specialist. However, you have to stay inside your provider network to have services covered, except during an emergency.
Moda’s health plans have an average rate of $528 per month, with the lowest average MOOP cost in the state at $8,351.This company has a 4.07% claims denial rate, meaning it’s highly likely to approve an insurance claim and pay for covered health care services.
Plan Recommendations
We recommend the following Silver EPO plans from Moda:
- Moda Health Beacon Silver 6400: $494 per month (MOOP $7,400)
- Moda Health Beacon Silver 4500: $495 per month (MOOP $8,050)
- Moda Health Affinity Silver 6400: $556 per month (MOOP $7,400)
Best Health Insurance in Oregon for Low Out-of-Pocket Costs
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.
MoneyGeek Pick: PacificSource Health Plans

pros
Reasonable MOOP costs
Approves most claims
Has a variety of plan types
cons
Monthly premiums can get expensive
COMPANY HIGHLIGHTS
PacificSource Health Plans offers two Gold PPO plans in Oregon, which have an average MOOP cost of $7,400 — the second lowest in our comparison group. Given that PPOs can be expensive, this insurer’s health plans have a higher monthly premium, averaging about $623. The trade-off is provider flexibility, meaning they can cover health care services from out-of-network providers. They also don’t require referrals to see a specialist.
PacificSource Health Plans has a claims denial rate of 5.64%, approving more insurance claims than most companies in our study.
Plan Recommendations
Consider the following low-MOOP plans from PacificSource Health Plans:
- PacificSource Oregon Standard Gold Plan NAV: $619 per month (MOOP $7,300)
- Navigator Gold 1500: $627 per month (MOOP $7,500)
Best Cheap Health Insurance in Oregon
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.
MoneyGeek Pick: Kaiser Permanente

pros
Cheapest premiums in Oregon
Reasonable claims management
A few different plan types to choose from
cons
Somewhat high MOOP costs
COMPANY HIGHLIGHTS
Out of the six insurance providers we analyzed, Kaiser Permanente has the lowest average rate at $470 per month. Its health plans have an average MOOP cost of $8,925. This company denies 9.78% of the policyholder claims it receives, which is a slightly better-than-average rate.
Kaiser Permanente sells four Silver EPO plans in Oregon. This plan type is ideal if you want affordable monthly premiums, but you will only be covered if you receive health care services from in-network providers. That said, you may not always need a referral to see a specialist.
Plan Recommendations
The best affordable health plans from Kaiser Permanente are:
- KP OR Silver 4000/40: $438 per month (MOOP $8,850)
- KP OR Silver 3500/40: $472 per month (MOOP $8,850)
- KP Oregon Standard Silver Plan: $465 per month (MOOP $9,100)
Best Health Insurance for Low Income 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.
MoneyGeek Pick: Kaiser Permanente

pros
Most affordable premiums in Oregon
Reasonable claims denial rate
Several plan types to choose from
cons
High out-of-pocket maximums
COMPANY HIGHLIGHTS
Kaiser Permanente is our pick for the best health insurance in Oregon for those with limited financial resources. Its low-income plans for individuals in the 201%–250% FPL bracket average $470 per month, with a MOOP of $7,213. This insurer denies 9.78% of insurance claims it receives, placing it in the middle of the pack in this metric.
Kaiser Permanente offers four Silver EPO plans with CSRs in Oregon. EPOs are ideal for low-income individuals who want affordable monthly premiums. This plan type doesn’t always necessitate a referral to see a specialist. However, it may not be for you if you have a preferred health care provider.
Plan Recommendations
We recommend KP OR Silver 4000/40 for the best health insurance plan from Kaiser Permanente. Depending on your income bracket, you can access lower overall out-of-pocket costs for the same premium:
- 201%–250% of the FPL: $438 per month (MOOP $7,200)
- 151%–200% of the FPL: $438 per month (MOOP $2,600)
- Up to 150% of the FPL: $438 per month (MOOP $2,300)
Best Health Insurance for Young Adults in Oregon
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.
MoneyGeek Pick: Providence Health Plan

pros
Low MOOP costs
Solid claims management
Provides a few different plan types
cons
Expensive monthly premiums
COMPANY HIGHLIGHTS
For young adults in Oregon, Providence Health Plan may be the best option for health insurance. This insurer sells five Bronze EPO plans. The average premium and MOOP for these plans are $340 per month and $8,015, respectively. Providence Health Plan has a claims denial rate of 6.42%, denying fewer claims than most other providers in our comparison group.
Metal tiers dictate how much coverage you’ll have. Typically, the more valuable metals have more coverage. Catastrophic and Bronze are good options for young adults who don’t need much coverage.
Plan Recommendations
The best plans from Providence Health Plan for young adults are:
- HSA Qualified 7050 Bronze - Choice Network: $206 per month for 18-year-olds and $332 per month for 26-year-olds (MOOP $7,050)
- HSA Qualified 7050 Bronze - Signature Network: $230 per month for 18-year-olds and $371 per month for 26-year-olds (MOOP $7,050)
- Connect 9000 Bronze: $187 per month for 18-year-olds and $301 per month for 26-year-olds (MOOP $9,000)
Best Health Insurance by Plan Type in Oregon
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.
MoneyGeek Pick for PPO: PacificSource Health Plans

COMPANY HIGHLIGHTS
PacificSource Health Plans is the best health insurance company in Oregon for PPO plans. It offers three Silver PPO plans averaging $573 per month with a $9,100 MOOP. This insurer has a 5.64% claims denial rate, which is much better than average.
PPO plans offer provider flexibility in exchange for higher monthly premiums. You can still be covered if you receive health care services from out-of-network providers. You also won’t need a referral to see a specialist.
Plan Recommendations
Consider the following Silver PPO plans from PacificSource Health Plans:
- Navigator Silver 4000: $566 per month (MOOP $9,100)
- PacificSource Oregon Standard Silver Plan NAV: $570 per month (MOOP $9,100)
MoneyGeek Pick for EPO: Moda

COMPANY HIGHLIGHTS
Oregonians may get the best EPO plan from Moda. This health insurer offers nine Silver EPO plans at an average cost of $528 per month with a MOOP average of $8,351. It has the lowest claims denial rate (4.07%) among the providers in our comparison group.
EPO plans are often cheaper than PPOs, but they require you to stay within a specified provider network for covered health care services. Aside from lower premiums, EPOs don’t always necessitate a referral to see a specialist.
Plan Recommendations
These are the best Silver EPO plans from Moda:
- Moda Health Beacon Silver 6400: $494 per month (MOOP $7,400)
- Moda Health Beacon Silver 4500: $495 per month (MOOP $8,050)
Best Short-Term Health Insurance in Oregon
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.

National General Accident & Health
We selected National General Accident & Health as the best short-term health insurance provider in The Beaver State. It offers short-term plans with varying lengths, deductibles and coverage options.
How to Find the Best Health Insurance for You in Oregon
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.
Understand when a health insurance plan will cover you
PPO plans have a wider provider network and may cover health care services you receive from out-of-network providers, whereas EPO plans will only cover in-network services. The latter tends to have lower monthly premiums. In Oregon, there are 67 EPO plans and 10 PPO plans.
Weigh the cost of premiums vs. the cost of care
Typically, health plans with lower monthly premiums have higher out-of-pocket costs. For example, Moda Health Beacon Silver 6400 has an average rate of $494 per month, but its out-of-pocket maximum is $7,400. You need to spend this amount in a year before your insurer will cover 100% of your health costs.
Consider Oregon Medicare or Medicaid if You’re Eligible
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.
Frequently Asked Questions About Health Insurance in Oregon
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.
About Brenna Kelly, Licensed Health Insurance Agent
