Kaiser Permanente offers the cheapest health insurance in Oregon, with an average monthly premium of $532. Availability can vary, so also consider Blue Cross Blue Shield, Providence Health Plan, Moda and BridgeSpan for affordable health plans.
Cheapest Health Insurance in Oregon: Affordable Plans for 2025
Updated: November 3, 2025
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Key Takeaways
Kaiser Permanente provides Oregon's most affordable health insurance, saving policyholders an average of $72 per month compared to the state average.
PacificSource Health Plans offer cheapest full coverage Gold plans, with affordable pricing starting at $699 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Oregon
| Kaiser Permanente | $532 | $6,388 | $9,113 |
| Moda | $600 | $7,200 | $8,545 |
| Blue Cross Blue Shield | $616 | $7,397 | $9,450 |
| PacificSource Health Plans | $627 | $7,528 | $9,317 |
| Providence Health Plan | $667 | $8,008 | $9,356 |
| BridgeSpan | $672 | $8,068 | $9,450 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Health Insurance Company Oregon: Kaiser Permanente
Kaiser Permanente
MoneyGeek Score:
96/ 100
Overview
Kaiser Permanente provides the cheapest health insurance in Oregon at $532 monthly, 12% below competitors. You'll hit your out-of-pocket ceiling at $9,113, stopping bills from spiraling when accidents or cancer strike.
Kaiser members face 33% less risk of premature death from heart disease compared to people in their communities, and Sunnyside Medical Center has won cardiac surgery awards for 10 consecutive years. Over 1,300 physicians serve 625,000 members across Oregon and southwest Washington, and the network includes two hospitals and 36 medical offices stretching from Eugene to Longview. The 8% claim denial rate beats nearly everyone, meaning fewer fights over coverage.
Doctors, hospitals and insurance work under one roof, convenient when everything goes smoothly, potentially problematic when you disagree with treatment decisions since Kaiser controls both your coverage and care.
Cheapest Oregon Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Oregon, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
| Children (0-14) | Kaiser Permanente | $264 | $3,173 | $9,113 |
| Teens (18) | Kaiser Permanente | $264 | $3,173 | $9,113 |
| Young Adults (26) | Kaiser Permanente | $426 | $5,117 | $9,113 |
| Cheapest Expanded Bronze (40) | PacificSource Health Plans | $475 | $5,700 | $9,417 |
| Adults (40) | Kaiser Permanente | $532 | $6,388 | $9,113 |
| Cheapest PPO (40) | PacificSource Health Plans | $627 | $7,528 | $9,317 |
| Cheapest Gold (40) | PacificSource Health Plans | $699 | $8,390 | $7,767 |
| Seniors (60) | Kaiser Permanente | $1,130 | $13,563 | $9,113 |
Cheapest Health Insurance Plans by County in Oregon
While Kaiser Permanente ranks as the cheapest provider overall, it dominates in both affordability and availability for Silver plans in most counties. Below, review the most affordable plan and provider for your location.
| Baker | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Benton | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Clackamas | Blue Cross Blue Shield | $442 | Silver 6500 Legacy |
| Clatsop | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Columbia | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Coos | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Crook | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Curry | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Deschutes | Blue Cross Blue Shield | $487 | Silver 6500 Individual and Family Network |
| Douglas | Moda | $469 | Moda Health Beacon Silver 6400 |
| Gilliam | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Grant | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Harney | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Hood River | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Jackson | Moda | $469 | Moda Health Beacon Silver 6400 |
| Jefferson | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Josephine | Moda | $469 | Moda Health Beacon Silver 6400 |
| Klamath | Blue Cross Blue Shield | $487 | Silver 6500 Individual and Family Network |
| Lake | Blue Cross Blue Shield | $487 | Silver 6500 Individual and Family Network |
| Lane | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Lincoln | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Linn | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Malheur | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Marion | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Morrow | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Multnomah | Blue Cross Blue Shield | $442 | Silver 6500 Legacy |
| Polk | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Sherman | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Tillamook | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Umatilla | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Union | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Wallowa | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Wasco | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Washington | Blue Cross Blue Shield | $442 | Silver 6500 Legacy |
| Wheeler | Kaiser Permanente | $462 | KP OR Silver 4000/40 |
| Yamhill | Blue Cross Blue Shield | $442 | Silver 6500 Legacy |
How to Find the Cheapest Health Insurance in Oregon
Follow these steps to find affordable health insurance in Oregon:
- 1Determine coverage plan needs and affordability
Your coverage plan type and tier will differ depending on your health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2Find out your subsidy eligibility
People earning between $15,650 and $62,600 qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($39,125) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4Review prescription formularies
Check each insurer's prescription coverage for your current medications. Plans that place your drugs in lower tiers cost less per refill, which can save you hundreds annually compared to higher-tier placement.
- 5Compare plans during Open Enrollment
Take advantage of Open Enrollment from November 1 to January 15, or Special Enrollment under certain conditions, like job loss or changes in family size. Evaluate plan types, costs, customer reviews and network availability to find the most suitable and affordable coverage for your circumstances.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Oregon: Bottom Line
Oregon's most affordable health insurance companies are Kaiser Permanente, Blue Cross Blue Shield, Providence Health Plan, Moda and BridgeSpan. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Oregon Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Oregon:
What is the cheapest health insurance in Oregon?
Kaiser Permanente offers the cheapest health insurance in Oregon, with Silver plans starting at $532 per month for 40-year-olds. Your ideal option may vary, so consider exploring Moda, Providence Health Plan and BridgeSpan based on your income and coverage preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Oregon
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Oregon based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.