Updated: December 21, 2025
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Kaiser Permanente offers the lowest health insurance rates in Oregon with monthly premiums averaging $601, making it the most budget-friendly option for residents seeking comprehensive coverage.
Kaiser Permanente provides the cheapest health insurance for young adults, adults, seniors and EPO plans in Oregon, while also maintaining competitive rates across multiple coverage categories and plan structures.
Shop smart by setting your coverage budget first, exploring subsidy options and requesting quotes from multiple insurers.
Oregon residents can secure the most affordable health insurance through Kaiser Permanente at $601 monthly, delivering $74 in monthly savings compared to the state average. Moda Health Plan, Inc. ranks second at $655 monthly, while PacificSource follows at $658 monthly.
Kaiser Permanente's lower premiums come with higher deductibles and maximum out-of-pocket costs. For comprehensive comparisons, explore cheapest health insurance policies.
| Kaiser Permanente | $601 | $74 | $7,212 | $888 |
| Moda Health Plan, Inc. | $655 | $20 | $7,860 | $240 |
| PacificSource | $658 | $17 | $7,896 | $204 |
| Moda Health | $660 | $15 | $7,920 | $180 |
| Blue Cross Blue Shield | $666 | $9 | $7,992 | $108 |
| Providence Health Plan | $709 | $34 | $8,508 | $408 |
| BridgeSpan | $738 | $63 | $8,856 | $756 |
| Regence | $750 | $75 | $9,000 | $900 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Oregon. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average to show how much cheaper they are than the overall state average. Your actual rates will vary based on age, location and chosen plan.
Average Monthly Rate
Average MOOP
Average Deductible
Your individual rate depends on factors such as age, selected plan type and chosen metal tier. Informed buyers also weigh how monthly premiums balance against deductibles and out-of-pocket limits.
In Oregon, Kaiser Permanente provides the most affordable rates across most demographics. However, these lower premiums come with higher deductibles and maximum out-of-pocket costs that could affect your overall health care expenses.
| Children | Kaiser Permanente | $269 | $3,231 | $5,575 | $2,032 |
| Teens | Kaiser Permanente | $272 | $3,269 | $8,584 | $3,646 |
| Young Adults | Kaiser Permanente | $439 | $5,274 | $8,584 | $3,646 |
| With Health Savings Account Eligibility | Kaiser Permanente | $504 | $6,044 | $7,900 | $3,600 |
| Adults | Kaiser Permanente | $548 | $6,582 | $8,584 | $3,646 |
| EPO | Kaiser Permanente | $548 | $6,582 | $8,584 | $3,646 |
| Seniors | Kaiser Permanente | $1,165 | $13,977 | $8,584 | $3,646 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Your choice of metal tier affects what you pay monthly versus your costs when seeking medical care. Bronze plans offer the cheapest monthly premiums but require higher out-of-pocket expenses when you visit doctors or need treatment.
Platinum plans charge more each month but cover more of your health care costs. Think about how often you see doctors: if you rarely need medical care, Bronze plans keep monthly expenses low, but frequent healthcare needs make Gold or Platinum coverage more economical.
Kaiser Permanente offers the most affordable rates across Bronze, Silver and Gold plans. Monthly premiums start as low as $481 for Bronze coverage, though Platinum options aren't available in the state.
| Expanded Bronze | Kaiser Permanente | $474 | $5,683 | $6,300 | $5,575 |
| Bronze | Kaiser Permanente | $481 | $5,773 | $8,400 | $7,433 |
| Silver | Kaiser Permanente | $504 | $6,044 | $7,900 | $3,600 |
| Gold | Kaiser Permanente | $606 | $7,272 | $7,766 | $1,065 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Find the most affordable health insurance options in Oregon that match your needs:
| Providence Health Plan | Connect Direct 6000 Silver | $480 | EPO | Silver | $10,000 | $6,000 | 40 | No |
| Regence | Silver 6500 Direct Legacy | $489 | EPO | Silver | $10,600 | $6,500 | 40 | No |
| Regence | Silver 6500 Legacy | $510 | EPO | Silver | $10,150 | $6,500 | 40 | No |
| Regence | Silver 5000 Direct Legacy | $519 | EPO | Silver | $10,600 | $5,000 | 40 | No |
| Kaiser Permanente | KP OR Silver 5500 | $526 | EPO | Silver | $9,800 | $5,500 | 40 | No |
| Kaiser Permanente | Kp Oregon Standard Silver Plan | $530 | EPO | Silver | $5,739 | No Data | 40 | No |
| Kaiser Permanente | KP Oregon Standard Silver Plan | $539 | EPO | Silver | $9,200 | $6,100 | 40 | No |
| Regence | Regence Standard Silver Plan Legacy | $540 | EPO | Silver | $9,200 | $6,100 | 40 | No |
| Kaiser Permanente | Kp Or Silver 4000 | $540 | EPO | Silver | $5,500 | $2,300 | 40 | No |
| Providence Health Plan | Connect 6000 Silver | $543 | EPO | Silver | $8,068 | $4,839 | 40 | No |
Follow these steps to identify affordable coverage that fits your health care requirements without straining your budget.
Your ideal coverage depends on your health status and financial situation. Start by calculating what you can afford monthly for premiums, then evaluate your health risks based on age, lifestyle and location. The right type of plan and metal tier will balance your needs with your budget constraints.
Your family size and annual income determine whether you can receive 2026 health insurance subsidies. These credits help people earning between 100% and 400% of the Federal Poverty Level. Families with lower incomes get bigger subsidies, while the assistance decreases as your earnings increase.
Oregon residents who are eligible should research Medicare and Medicaid options, including Medicare Advantage plans and Medicare Supplement plans. These federal programs often cost less than marketplace plans while offering greater provider flexibility.
Check each plan's formulary for medications you take regularly. Insurance companies place drugs on different cost tiers, and some insurers offer better pricing for common prescriptions than others.
The annual enrollment window runs November 1 through January 15. You might qualify for Special Enrollment after major life changes like job loss, divorce or having a baby.
Confirm your preferred doctors, specialists and hospitals accept the insurance plan you're considering. Out-of-network care costs much more than staying within your plan's provider network. Contact your health care providers directly to verify they'll remain in-network for the upcoming year.
The cheapest health insurance providers in Oregon are Kaiser Permanente, Moda Health Plan, Inc. and PacificSource. These are our recommendations, though you should get quotes from multiple companies across different plan types and tiers to secure the best rate.
We answer questions about affordable health insurance in Oregon:
Kaiser Permanente offers Oregon's most affordable health insurance, with Silver plans averaging $601 monthly for 40-year-olds.
Cheap health insurance plans come with high deductibles, often $5,000 to $8,000 annually, and limited provider networks that exclude top hospitals and specialists. Maximum out-of-pocket limits can reach $15,000, meaning serious medical events could wipe out your initial premium savings.
You qualify for Oregon health insurance subsidies if your income falls between 100% and 400% of the Federal Poverty Level. Apply through Oregon's Health Insurance Marketplace to check eligibility and find affordable plans with reduced monthly premiums.
Oregon health insurance enrollment happens during Open Enrollment from November 1 to January 15. You can also enroll outside this window if you experience a qualifying life event like job loss, marriage or having a baby, which triggers a Special Enrollment period.
We gathered plan information from Oregon Health Insurance Marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. The cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is most common demographically and provides clear comparison.
Age-specific rankings use their respective premium costs, though it's worth noting that lower premiums often come with higher deductibles and out-of-pocket maximums when you need care.
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.
