Quick answer
Oregon’s benchmark silver plan for a 40-year-old averaged $543 a month in 2026 before subsidies, below the U.S. average of $625. For 2027 coverage, Oregonians enroll through Explore Health, a new state-run platform at ExploreHealthOR.gov, instead of HealthCare.gov. Only about 60% of 2026 enrollees got a premium tax credit, and the average enrollee paid $426 a month after subsidies, well above the national average of $178. State regulators approved a 21.6% average rate increase for 2027 in August 2026.
Key takeaways
- Starting with 2027 coverage, Oregonians shop and enroll through Explore Health at ExploreHealthOR.gov, which replaces HealthCare.gov on November 1, 2026.
- Oregon’s 2026 benchmark premium for a 40-year-old was $543 a month, about $82 below the U.S. average.
- Regulators approved a 21.6% average increase for 2027 on August 18, 2026, after insurers first asked for about 17%.
- Providence Health Plan and PacificSource are leaving Oregon’s individual market after 2026, which leaves four insurers.
- OHP Bridge covers adults with income between 138% and 200% of the poverty level, and it takes applications all year.
On this page
What an Oregon Marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $425 |
| 30 | $482 |
| 40 | $543 |
| 50 | $759 |
| 60 | $1,153 |
| 64 | $1,275 |
| Child under 21 | $270 |
Oregon sets its own age curve. For adults it matches the federal curve, so a 64-year-old pays three times what a 21-year-old pays, but every child under 21 is priced at the same rate, which is lower than in most states. Two 40-year-old parents with two children would pay about $1,626 a month for benchmark plans before any tax credit.
Where you live matters too. With four insurers left for 2027, every Oregon county will have at least two to choose from, and 30 of the state’s 36 counties will have three or four.
What you’d pay after a tax credit
A premium tax credit is available when household income is between 100% and 400% of the federal poverty level, and it’s sized to keep the benchmark plan at a fixed share of your income. A single 40-year-old in Oregon earning $40,000 would pay about $287 a month for the benchmark plan in 2026, with the credit covering roughly $256. In 2027 the same person would pay about $289. Above 400% of the poverty level, which is $62,600 for one person for 2026 coverage and $63,840 for 2027, you’d get no credit.
Fewer Oregon shoppers get that help than in most states: about 60% of 2026 enrollees, down from about 80% in 2025, compared with about 87% nationwide. Those who got a subsidy paid $253 a month on average, and only 2% paid less than $10. If your income is under 200% of the poverty level, look at the Oregon Health Plan and OHP Bridge before a Marketplace plan; see health insurance for low-income families.
Costs beyond the premium
Your plan also decides what you pay at the doctor or hospital. You’ll usually pay toward a deductible first, then copays or coinsurance, and the out-of-pocket maximum caps the total at $10,600 for one person in 2026 and $12,000 in 2027. With income under 250% of the poverty level, a silver plan comes with cost-sharing reductions that lower those costs.
Oregon Marketplace facts
- Marketplace: Explore Health (ExploreHealthOR.gov), the state’s new enrollment platform, goes live November 1, 2026 and replaces HealthCare.gov for Oregon residents. CMS gave Oregon conditional approval in August 2026. Window shopping is scheduled to open October 15, and existing HealthCare.gov accounts are supposed to move over automatically, with activation instructions arriving in early October.
- Enrollment: 118,372 plan selections for 2026, down more than 15% from 139,688 in 2025. The average enrollee paid $426 a month after subsidies.
- Insurers: Six sold Marketplace plans in 2026. Four return for 2027: BridgeSpan, Kaiser Permanente, Moda and Regence BlueCross BlueShield of Oregon. Providence Health Plan and PacificSource are leaving, and roughly 52,000 to 58,000 of their members need new coverage; see what to do if your insurance company leaves the Marketplace.
- 2027 prices: Approved. Oregon’s Division of Financial Regulation finalized an average increase of 21.6% on August 18, 2026, based on updated filings after the two exits. Insurers had first asked for about 17%. healthinsurance.org lists approved increases from 15.8% (Kaiser) to 27% (Moda).
- State help: A state reinsurance program, running under a federal waiver since 2018, lowered 2027 rates by an average of 10.7%, according to regulators. OHP Bridge, Oregon’s Basic Health Program, covers adults with income from 138% to 200% of the poverty level. Oregon has no state premium subsidy or individual mandate.
- Medicaid: The Oregon Health Plan covers adults up to 138% of the poverty level and children up to 305%, regardless of the child’s immigration status. Starting January 1, 2027, many members 19 to 64 must show 80 hours a month of work, school, volunteering or another approved activity unless exempt, and six-month renewals start in late 2027. See Medicaid work requirements.
When to enroll
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, on Explore Health. Check Explore Health for the sign-up deadline for coverage that starts January 1. The Oregon Health Plan and OHP Bridge take applications year-round. For ways to trim your premium, see how to lower your Marketplace premium.
Other options in Oregon
- Employer coverage, when a job offers it, is usually the lowest-cost choice.
- The Oregon Health Plan for adults up to 138% of the poverty level and children up to 305%, and OHP Bridge from 138% to 200%; see health insurance for children.
- Medicare at 65.
Health insurance costs in nearby states: Washington, Idaho, Nevada and California. You can also compare health insurance costs in every state.
Compare 2027 plans and prices for your Oregon county: get quotes by ZIP code.
Frequently asked questions
Is Oregon still using HealthCare.gov?
Not for 2027 coverage. Oregonians shop and enroll through Explore Health at ExploreHealthOR.gov, which opens November 1, 2026, and existing HealthCare.gov accounts are supposed to transfer automatically.
Why are Oregon premiums going up 21.6% in 2027?
Regulators approved the increase after Providence and PacificSource left the individual market and the remaining insurers updated their filings. They pointed to the loss of enhanced federal subsidies, higher medical costs and tariffs on drugs and medical equipment. The state’s reinsurance program lowered 2027 rates by an average of 10.7%.
What is OHP Bridge?
OHP Bridge is Oregon’s Basic Health Program for adults with income between 138% and 200% of the poverty level. It launched in July 2024, and you can apply any time of year.
How many insurers will sell Oregon Marketplace plans in 2027?
Four: BridgeSpan, Kaiser Permanente, Moda and Regence. Every county will have at least two, and 30 of Oregon’s 36 counties will have three or four.
Sources
- Oregon Health Authority: Oregon to launch Explore Health this November
- Oregon Division of Financial Regulation: DFR finalizes 2027 health insurance rates
- healthinsurance.org: Oregon Health Insurance Marketplace
- healthinsurance.org: 2027 ACA open enrollment, what’s changing
- CMS: Market rating reforms by state
- KFF: Marketplace average benchmark premiums by state
This article is general information, not insurance or tax advice. Your Oregon premium depends on your county, age, income and plan, and the age estimates above use Oregon’s own age curve. Last reviewed September 2026.