Cheapest Health Insurance in Oregon (2024 Plans)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Opting for metal tiers besides Silver can affect your health insurance costs. In Oregon, Blue Cross Blue Shield offers the most affordable Bronze plan, while Kaiser Permanente has the lowest prices for Expanded Bronze, Gold and Silver tiers.

If you're looking to balance monthly premiums with quality claims and coverage, the best health insurance in Oregon was evaluated by MoneyGeek.

MoneyGeek Logo IconCheapestHealth InsuranceOregon
2024

Most Affordable Health Insurance in Oregon

Why Trust MoneyGeek? We downloaded plan data for Oregon directly from the Centers for Medicare and Medicaid Services (CMS).

recency icon

Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

76Plans Analyzed
 
12Providers Compared

Cheapest Health Insurance in Oregon by Metal Tier

The most affordable plan in the Silver tier in Oregon is the KP OR Silver 4000/40 offered by Kaiser Permanente with a monthly cost of $473. Those looking to save on monthly rates at the risk of higher out-of-pocket costs might consider Bronze plans. Health insurance costs differ by metal tier, with options ranging from higher monthly premiums with lower out-of-pocket costs and deductibles to lower premiums with higher out-of-pocket expenses.

Here are the most affordable health insurance plans from each metal tier:

  • Bronze: Bronze Virtual Value 8500 Legacy (Blue Cross Blue Shield) ($382 per month)
  • Expanded Bronze: KP OR Bronze 9100/75 (Kaiser Permanente) ($363 per month)
  • Silver: KP OR Silver 4000/40 (Kaiser Permanente) ($473 per month)
  • Gold: KP OR Gold 1750/20 (Kaiser Permanente) ($501 per month)

Weigh each plan's costs and coverage to find cheap health insurance that meets individual needs.

Data filtered by:Results filtered by:
Age:
Age:40
Expanded BronzeKP OR Bronze 9100/75Kaiser Permanente$363$9,100
BronzeBronze Virtual Value 8500 LegacyBlue Cross Blue Shield$382$9,450
SilverKP OR Silver 4000/40Kaiser Permanente$473$8,850
GoldKP OR Gold 1750/20Kaiser Permanente$501$8,500
healthInsurance icon
WHAT ARE METAL TIERS?

In the Oregon health insurance marketplace, consumers can choose from various metal tiers: Bronze, Expanded Bronze, Silver and Gold. Each metal tier represents a different level of coverage and cost-sharing between the insurer and the insured.

The Bronze plans typically have the lowest monthly premiums but the highest out-of-pocket costs when you receive care. Expanded Bronze offers slightly more coverage with a marginal increase in premiums. Silver plans offer a balance between monthly premiums and out-of-pocket expenses. Gold plans command the highest premiums yet provide the most comprehensive coverage with the lowest out-of-pocket costs when you need care.

Individuals and families with incomes below 250% of the Federal Poverty Level are eligible for cost-sharing reductions (CSRs) on Silver plans. This means that while they pay Silver plan premiums, they can enjoy lower out-of-pocket costs closer to Gold plan levels, making health care more accessible and affordable. These CSRs empower lower-income earners to receive better care without the financial burden typically associated with higher-tier plans.

Cheapest Silver Plans in Oregon

The most affordable Silver-tier health plan in Oregon is the KP OR Silver 4000/40 offered by Kaiser Permanente, with a monthly cost of $473.

The three most affordable Silver health plans in Oregon are:

  • KP OR Silver 4000/40 from Kaiser Permanente ($473 per month)
  • KP Oregon Standard Silver Plan from Kaiser Permanente ($499 per month)
  • Silver 6500 Legacy from Blue Cross Blue Shield ($500 per month)

Silver plans are especially suitable for individuals or families who expect moderate health care usage and prefer a balance between monthly premiums and out-of-pocket costs. For those who qualify based on income, cost-sharing reductions can significantly lower deductibles, copayments and co-insurance, thereby reducing the overall expenses when accessing care. Subscribers with limited income but not eligible for Medicaid may find Silver plans the most cost-effective option when factoring in these reductions.

Data filtered by:Results filtered by:
Age:
Age:40
Kaiser Permanente$473$8,850KP OR Silver 4000/40
Kaiser Permanente$499$9,450KP Oregon Standard Silver Plan
Blue Cross Blue Shield$500$9,450Silver 6500 Legacy
Moda$513$8,000Moda Health Beacon Silver 6400
Kaiser Permanente$513$8,850KP OR Silver 3000/40
Providence Health Plan$514$9,000Connect 5000 Silver
Moda$524$8,050Moda Health Beacon Silver 4500
Blue Cross Blue Shield$526$9,450Silver 4500 Legacy
Blue Cross Blue Shield$529$9,450Regence Standard Silver Plan Legacy
Moda$531$9,450Moda Health Oregon Standard Silver
Kaiser Permanente$531$9,300KP OR Silver 750/35
Moda$537$8,600Moda Health Beacon Silver 3500
Blue Cross Blue Shield$549$9,450Silver 6500 Individual and Family Network
Moda$550$8,700Moda Health Beacon Silver 3000
Moda$567$8,000Moda Health Affinity Silver 6400
Blue Cross Blue Shield$578$9,450Silver 4500 Individual and Family Network
PacificSource Health Plans$579$9,100Navigator Silver 4000 Exchange
Moda$580$8,050Moda Health Affinity Silver 4500
Blue Cross Blue Shield$581$9,450Regence Standard Silver Plan Individual and Family Network
PacificSource Health Plans$583$9,450PacificSource Oregon Standard Silver Plan NAV
PacificSource Health Plans$585$9,400Navigator Silver 3500 Exchange
Providence Health Plan$588$9,450Providence Oregon Standard Silver Plan - Choice Network
Moda$588$9,450Moda Health Oregon Standard Silver
Moda$595$8,600Moda Health Affinity Silver 3500
BridgeSpan$606$9,450BridgeSpan Standard Silver Plan
Providence Health Plan$629$9,450Providence Oregon Standard Silver Plan - Signature Network

Cheapest Gold Plans in Oregon

The most affordable plan in the Gold tier for Oregonians is the KP OR Gold 1750/20 offered by Kaiser Permanente, with a monthly cost of $501.

Here are the three most affordable Gold plans in Oregon:

  • KP OR Gold 1750/20 from Kaiser Permanente ($501 per month)
  • KP Oregon Standard Gold Plan from Kaiser Permanente ($529 per month)
  • KP OR Gold 0/15 from Kaiser Permanente ($546 per month)

Gold plans are designed for customers who expect to need moderate to high medical care. They offer lower out-of-pocket costs when accessing health care services but come with higher monthly premiums. These plans are often a good choice for individuals or families who want the predictability of more consistent health care costs and can afford the monthly premiums.

Data filtered by:Results filtered by:
Age:
Age:40
Kaiser Permanente$501$8,500KP OR Gold 1750/20
Kaiser Permanente$529$7,550KP Oregon Standard Gold Plan
Kaiser Permanente$546$8,200KP OR Gold 0/15
Blue Cross Blue Shield$557$9,450Gold 2500 Legacy
Moda$575$7,000Moda Health Beacon Gold 1500
Moda$592$7,550Moda Health Oregon Standard Gold
Providence Health Plan$600$8,200Connect 1500 Gold
Moda$600$8,700Moda Health Beacon Gold 1000
Moda$611$8,700Moda Health Beacon Gold 250
Blue Cross Blue Shield$612$9,450Gold 2500 Individual and Family Network
Blue Cross Blue Shield$617$7,550Regence Standard Gold Plan Legacy
PacificSource Health Plans$638$7,500Navigator Gold 1500 Exchange
PacificSource Health Plans$644$7,550PacificSource Oregon Standard Gold Plan NAV
Moda$655$7,550Moda Health Oregon Standard Gold
Providence Health Plan$662$7,550Providence Oregon Standard Gold Plan - Choice Network
Moda$664$8,700Moda Health Affinity Gold 1000
PacificSource Health Plans$666$8,250Navigator Gold 500 Exchange
Moda$676$8,700Moda Health Affinity Gold 250
Blue Cross Blue Shield$677$7,550Regence Standard Gold Plan Individual and Family Network
BridgeSpan$706$7,550BridgeSpan Standard Gold Plan
Providence Health Plan$708$7,550Providence Oregon Standard Gold Plan - Signature Network

Cheapest Bronze Plans in Oregon

The most affordable Bronze health plan in Oregon is the Bronze Virtual Value 8500 Legacy offered by Blue Cross Blue Shield, with a monthly cost of $382.

Bronze health plans are ideal for individuals who want to ensure financial protection against unexpected medical events without a high monthly premium. These plans typically have lower premiums and higher out-of-pocket costs, making them well-suited for those who are generally healthy and do not anticipate needing frequent medical care. A Bronze plan can be a cost-effective choice for those prioritizing budget over comprehensive coverage.

Data filtered by:Results filtered by:
Age:
Age:40
Blue Cross Blue Shield$382$9,450Bronze Virtual Value 8500 Legacy
Blue Cross Blue Shield$420$9,450Bronze Virtual Value 8500 Individual and Family Network

Cheapest Expanded Bronze Plans in Oregon

The most affordable option in the Expanded Bronze tier in Oregon is the KP OR Bronze 9100/75 plan offered by Kaiser Permanente, with a monthly cost of $363.

Oregonians looking for cost-effective health coverage will find Expanded Bronze plans particularly suitable. These plans are designed for individuals who want lower monthly premiums while still having coverage for essential health benefits. They are ideal for those who are healthy and do not expect to need frequent medical care or expensive prescriptions, because the lower premiums come with higher out-of-pocket expenses before the insurance begins to pay its share.

Data filtered by:Results filtered by:
Age:
Age:40
Kaiser Permanente$363$9,100KP OR Bronze 9100/75
Kaiser Permanente$368$9,450KP Oregon Standard Bronze Plan
Kaiser Permanente$381$7,100KP OR Bronze 7100/0% HSA
Kaiser Permanente$384$8,900KP OR Bronze 5500/50
Moda$396$7,500Moda Health Beacon Bronze HSA 7500
Providence Health Plan$398$9,450Connect 9450 Bronze
Moda$398$9,450Moda Health Oregon Standard Bronze Plan
Moda$405$9,000Moda Health Beacon Bronze 9000
Blue Cross Blue Shield$407$9,450Regence Standard Bronze Plan Legacy
Moda$410$9,450Moda Health Beacon Bronze 7750
PacificSource Health Plans$414$9,400Navigator Bronze 9400 Exchange
Blue Cross Blue Shield$420$7,500Bronze HSA 7000 Legacy
Blue Cross Blue Shield$437$9,100Bronze Essential 8500 With 4 Copay No Deductible Office Visits Individual and Family Network
Moda$438$7,500Moda Health Affinity Bronze HSA 7500
Moda$440$9,450Moda Health Oregon Standard Bronze Plan
PacificSource Health Plans$443$7,500Navigator Bronze HSA 7500
Blue Cross Blue Shield$447$9,450Regence Standard Bronze Plan Individual and Family Network
Moda$448$9,000Moda Health Affinity Bronze 9000
PacificSource Health Plans$449$9,400Navigator Bronze 7000 Exchange
Moda$454$9,450Moda Health Affinity Bronze 7750
Providence Health Plan$454$9,450Providence Oregon Standard Bronze Plan - Choice Network
Providence Health Plan$460$7,100HSA Qualified 7100 Bronze - Choice Network
PacificSource Health Plans$461$9,450PacificSource Oregon Standard Bronze Plan NAV
Blue Cross Blue Shield$462$7,500Bronze HSA 7000 Individual and Family Network
BridgeSpan$466$9,450BridgeSpan Standard Bronze Plan
Providence Health Plan$486$9,450Providence Oregon Standard Bronze Plan - Signature Network
Providence Health Plan$492$7,100HSA Qualified 7100 Bronze - Signature Network

Cheapest Health Insurance in Oregon for Those With Low Income

Individuals in Oregon with annual earnings at 250% below the Federal Poverty Level qualify for cost-sharing reductions on Silver plans. These reductions make health care more affordable by lowering deductibles and out-of-pocket expenses.

The most affordable Silver plan for Oregonians earning between $14,580 and $21,870 annually is the KP OR Silver 4000/40 from Kaiser Permanente, featuring a maximum out-of-pocket cost (MOOP) of $2,000. The following are the two most affordable plans:

  • KP OR Silver 4000/40 from Kaiser Permanente (monthly cost: $473, MOOP: $2000)
  • KP Oregon Standard Silver Plan from Kaiser Permanente (monthly cost: $499, MOOP: $1075)

Cost-sharing reductions in Oregon are exclusively available with Silver plans. Income figures discussed apply to single individuals and vary with household size.

Data filtered by:Results filtered by:
Age:
Age:40
Annual Income:
Annual Income:$14,580 to $21,870 per year
Kaiser Permanente$473$2,000KP OR Silver 4000/40
Kaiser Permanente$499$1,075KP Oregon Standard Silver Plan
Blue Cross Blue Shield$500$1,500Silver 6500 Legacy
Moda$513$800Moda Health Beacon Silver 6400
Kaiser Permanente$513$2,300KP OR Silver 3000/40
Providence Health Plan$514$1,000Connect 5000 Silver
Moda$524$750Moda Health Beacon Silver 4500
Blue Cross Blue Shield$526$1,000Silver 4500 Legacy
Blue Cross Blue Shield$529$1,075Regence Standard Silver Plan Legacy
Moda$531$1,075Moda Health Oregon Standard Silver
Kaiser Permanente$531$1,500KP OR Silver 750/35
Moda$537$750Moda Health Beacon Silver 3500
Blue Cross Blue Shield$549$1,500Silver 6500 Individual and Family Network
Moda$550$750Moda Health Beacon Silver 3000
Moda$567$800Moda Health Affinity Silver 6400
Blue Cross Blue Shield$578$1,000Silver 4500 Individual and Family Network
PacificSource Health Plans$579$600Navigator Silver 4000 Exchange
Moda$580$750Moda Health Affinity Silver 4500
Blue Cross Blue Shield$581$1,075Regence Standard Silver Plan Individual and Family Network
PacificSource Health Plans$583$1,075PacificSource Oregon Standard Silver Plan NAV
PacificSource Health Plans$585$700Navigator Silver 3500 Exchange
Providence Health Plan$588$1,075Providence Oregon Standard Silver Plan - Choice Network
Moda$588$1,075Moda Health Oregon Standard Silver
Moda$595$750Moda Health Affinity Silver 3500
BridgeSpan$606$1,075BridgeSpan Standard Silver Plan
Providence Health Plan$629$1,075Providence Oregon Standard Silver Plan - Signature Network
find icon
WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) lower out-of-pocket costs for eligible enrollees on Silver health insurance plans. Individuals earning between 100% and 250% of the federal poverty line can qualify. With CSRs, the same Silver plan can have varying maximum out-of-pocket limits.

For instance, for the Kaiser Permanente Silver plan, at a 73% actuarial value (AV) level, the maximum out-of-pocket is $7,550, while at a 94% AV level, it decreases sharply to $2,000, illustrating the potential savings on health care expenses.

Cheapest Health Insurance in Oregon by Plan Type

In Oregon, EPO (Exclusive Provider Organization) plans are the most popular.

The most affordable option in Oregon for the most popular plan type is the KP OR Silver 4000/40 from Kaiser Permanente with a monthly cost of $473.

  • EPO: KP OR Silver 4000/40 from Kaiser Permanente ($473 per month)
  • PPO: Navigator Silver 4000 Exchange from PacificSource Health Plans ($579 per month)

Oregon residents looking for more flexibility in choosing health care providers might consider PPO (Preferred Provider Organization) plans, which offer the option to use out-of-network providers.

Data filtered by:Results filtered by:
Age:
Age:40
Plan Type:
Plan Type:EPO
Kaiser Permanente$473$8,850KP OR Silver 4000/40
Kaiser Permanente$499$9,450KP Oregon Standard Silver Plan
Blue Cross Blue Shield$500$9,450Silver 6500 Legacy
Moda$513$8,000Moda Health Beacon Silver 6400
Kaiser Permanente$513$8,850KP OR Silver 3000/40
Providence Health Plan$514$9,000Connect 5000 Silver
Moda$524$8,050Moda Health Beacon Silver 4500
Blue Cross Blue Shield$526$9,450Silver 4500 Legacy
Blue Cross Blue Shield$529$9,450Regence Standard Silver Plan Legacy
Moda$531$9,450Moda Health Oregon Standard Silver
Kaiser Permanente$531$9,300KP OR Silver 750/35
Moda$537$8,600Moda Health Beacon Silver 3500
Blue Cross Blue Shield$549$9,450Silver 6500 Individual and Family Network
Moda$550$8,700Moda Health Beacon Silver 3000
Moda$567$8,000Moda Health Affinity Silver 6400
Blue Cross Blue Shield$578$9,450Silver 4500 Individual and Family Network
Moda$580$8,050Moda Health Affinity Silver 4500
Blue Cross Blue Shield$581$9,450Regence Standard Silver Plan Individual and Family Network
Providence Health Plan$588$9,450Providence Oregon Standard Silver Plan - Choice Network
Moda$588$9,450Moda Health Oregon Standard Silver
Moda$595$8,600Moda Health Affinity Silver 3500
BridgeSpan$606$9,450BridgeSpan Standard Silver Plan
Providence Health Plan$629$9,450Providence Oregon Standard Silver Plan - Signature Network
loanReview icon
WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

The most common plan type in Oregon is the Exclusive Provider Organization (EPO).

The full list of available plan types in Oregon is as follows:

  • Exclusive Provider Organization (EPO): EPOs often provide a local network of doctors and hospitals for members to choose from. The main advantage is generally lower premiums compared to PPOs. However, they don't cover out-of-network care except in emergencies, making them less flexible.

  • Preferred Provider Organization (PPO): PPOs offer a balance between HMOs and EPOs by offering greater freedom to see specialists and out-of-network doctors without a referral. The downside is typically higher premiums and out-of-pocket costs compared to HMOs and EPOs.

These plan types cater to different needs and preferences, varying in cost, flexibility and network size.

Cheapest Health Insurance in Oregon by County

Health insurance rates and availability of certain plans vary by county in Oregon, illustrating disparities in the options residents have based on their location.

Comparing the most affordable plans in the largest and smallest counties by population based on their monthly rates demonstrates the following differences:

  • Multnomah: Silver 6500 Legacy from Blue Cross Blue Shield ($442 per month)
  • Wheeler: KP OR Silver 4000/40 from Kaiser Permanente ($462 per month)

The following table presents all available plans in each county in Oregon.

Data filtered by:Results filtered by:
county_name:
county_name:Multnomah
Blue Cross Blue Shield$442$9,450Silver 6500 Legacy
Providence Health Plan$447$9,000Connect 5000 Silver

Health Insurance Costs in Oregon by Age and Metal Tier

In Oregon, age matters a lot for health insurance prices within metal tiers. Each month, an 18-year-old with a silver plan pays $283, while a 60-year-old in the same plan pays $1,210. That's a monthly difference of $927 just because of age.

Metal tiers, like Bronze or Gold, also affect monthly insurance costs. A 40-year-old with a Bronze plan pays $409, but with a Gold plan, the cost is $638. That means choosing Gold over Bronze adds $229 to the monthly bill.

Health Insurance Costs in Oregon by Age and Metal Tier

What to Know About Health Insurance in Oregon

MoneyGeek broke down all the health insurance options in Oregon, covering private insurance available in the marketplace with its different levels of coverage, known as metal tiers, as well as Medicaid and Medicare. Our guide offers clear information about each option so that you can find the one that fits your health care needs best.

Private Health Insurance in the Oregon Marketplace

In Oregon, the open enrollment period for private health insurance typically aligns with the federal Healthcare.gov schedule, running from November 1 through December 15 each year. This is when you can shop for, compare and purchase health insurance plans without needing a qualifying life event. If you miss this deadline, you generally must wait until the next open enrollment period to get coverage. However, if you experience certain life events, like losing health coverage, getting married, or having a baby, you may qualify for a Special Enrollment Period (SEP) to sign up outside of open enrollment.

Medicaid in Oregon

Medicaid is a joint federal and state program that provides health care coverage to eligible low-income individuals and families. In Oregon, eligibility for Medicaid, known as the Oregon Health Plan (OHP), is determined by income, age, disability and other factors. It covers groups including children, pregnant women, parents, seniors and people with disabilities. To quality, residents must meet specific income thresholds (a percentage of the Federal Poverty Level) and have limited assets. Additionally, applicants must be U.S. citizens or legal residents and reside in Oregon. Eligibility is regularly reassessed to maintain coverage.

Medicare in Oregon

Medicare is a federal health care program primarily for individuals aged 65 and older, though it also covers certain younger people with disabilities or specific medical conditions. In Oregon, eligibility for Medicare is consistent with federal guidelines. Medicare Part A covers hospital insurance, providing for inpatient hospital stays and short-term nursing care. Part B covers medical insurance for outpatient services, including doctor visits and preventive services. Part C, also known as Medicare Advantage, includes all Part A and B services, but is administered by private insurance companies and often includes additional benefits. Part D covers prescription drugs, with plans purchased separately to complement Original Medicare.

MoneyGeek found the best Medicare Advantage Plans in Oregon and the best Medicare Supplement plans in Oregon.

Oregon Health Insurance FAQ

When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Oregon to help you learn more.

What are the cheapest Silver and Gold plans in Oregon for 2024?

What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


sources