Compare individual and family health plans from top insurance companies at the lowest available cost.
Oregon health insurance plans
Compare individual and family health plans from top insurance companies at the lowest available cost.
Need health insurance in Oregon? eHealth makes shopping easy.
Navigating Oregon health insurance plans
Finding the right health insurance plan in Oregon can be overwhelming. Whether you’re an individual looking for comprehensive coverage or a family seeking a plan to fit everyone’s needs, it’s important to consider factors such as:
Coverage needs
Evaluate what types of medical services you or your family use most frequently. Do you need regular doctor visits, specialist care, or prescription medications?
Budget
Look at both premiums and out-of-pocket costs. Sometimes a plan with a higher premium may save you money overall if you frequently use healthcare services.
Provider network
Ensure your preferred doctors and hospitals are included in the plan’s network to avoid higher out-of-network costs.
Additional benefits
Some plans offer extra perks, like wellness programs, telemedicine, or mental health services, which could be valuable to you or your family’s overall health.
Find health insurance plans for every stage of life
Health insurance
Health insurance exists to protect you from substantial medical costs. Each plan is an agreement between you and the health insurance company about the services they will cover, how much you will pay, and how much they will pay.
Can cover everything from routine cleanings and fillings to more comprehensive procedures, usually at a low premium. May cover annual eye exams and/or reduce the cost of contact lenses or glasses.
When you buy an insurance policy, you will pay a premium payment monthly or annually. In exchange for that premium, your insurance provider agrees to cover a portion of your healthcare bills as outlined in your plan policy. You are still responsible for some costs, like deductibles and copays. Here are descriptions of those costs and what you should expect.
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Frequently asked questions
The Affordable Care Act, often referred to as Obamacare, no longer requires every Oregon resident to have health insurance. Some states have developed their own health insurance requirements outside of the ACA, but Oregon is not included in those states at this time.
In Oregon, residents can enroll in a health plan during open enrollment. If you missed open enrollment, you can still enroll or change coverage if you have a qualifying life event. Oregonians can purchase plans through private insurance providers or the federal exchange.
Oregon residents can expect to pay an average of $500.07 per person for an individual health insurance plan. This is the average monthly premium price of a plan available from eHealth in Oregon, but actual prices available depend on zip code, age, gender, plan metal level, and other factors. Get a personalized quote to see what may be available for you.
While Oregon does have its own health insurance marketplace by the name of OregonHealthCare.gov, it directs you to the federally-managed healthcare insurance exchange HealthCare.gov. This makes the state-run platform of OregonHealthCare.gov more of a pitstop than a destination for finding individual and family health insurance and business health insurance plans. This also means that if you need affordable health insurance in Oregon, you need to follow the enrollment period outlined by HeathCare.gov. However, OregonHealthCare.gov still lets you find private health insurance options such as HMO plans as well as government-funded coverage such as Medicaid and Medicare. This makes sure that you are able to find suitable healthcare insurance that covers all your requirements.
You can enroll in an ACA-compliant plan in Oregon between November 1 to January 15. This enrollment period is directly related to the guidelines set by HealthCare.gov. In turn, this gives you around two and a half months to find Oregon medical insurance policies through private options such as HMO plans and government programs such as Medicaid. However, if you cannot enroll into a suitable plan within this period, you can turn toward special enrollment. With that being said, this enrollment outside of the given period is only available for those who have gone through certain life events that are called qualifying events.
The Oregon Health Plan (OHP) is a state-funded program that provides free or low-cost health coverage to eligible Oregon residents. It is designed to assist individuals and families who meet specific income and other criteria. OHP offers comprehensive healthcare benefits, including doctor visits, prescription medications, preventive care, and hospital stays. Eligibility for OHP is determined based on income, household size, and other factors. To determine if you qualify for the Oregon Health Plan, you can visit the official website or contact the Oregon Health Authority.
Oregon offers a range of health insurance plans to cater to the diverse needs of its residents. These include employer-sponsored plans, individual and family plans, and plans available through the Oregon Health Insurance Marketplace. Each plan has its own coverage options, costs, and network of healthcare providers. It is essential to carefully evaluate the coverage, benefits, and costs associated with each plan to determine which one best fits your healthcare needs and budget.
The deadline for enrolling in Oregon health insurance varies depending on the type of plan you are applying for. For employer-sponsored plans, the enrollment period is typically determined by your employer. For individual and family plans and plans available through the Oregon Health Insurance Marketplace, the open enrollment period generally runs from November to December each year. However, there may be special enrollment periods for individuals who experience qualifying life events such as marriage, birth of a child, or loss of other health coverage. It is important to be aware of the specific enrollment deadlines and qualifying events to ensure timely enrollment.
Yes, there are resources available to assist Oregon residents in navigating the health insurance landscape. The Oregon Health Insurance Marketplace is a valuable resource that provides information about available plans, enrollment assistance, and eligibility requirements.
Additionally, the Oregon Health Authority and the Oregon Department of Consumer and Business Services offer resources and assistance to individuals and families seeking health insurance coverage. These resources include websites, helplines, and in-person assistance to help residents understand their options and make informed decisions.
Finding affordable health insurance in Oregon is crucial for protecting your health and well-being. By understanding the Oregon Health Plan, income eligibility requirements, available health insurance plans, enrollment deadlines, and accessing resources, you can navigate the process with confidence. Remember to consult the official websites of relevant organizations and seek guidance from licensed insurance professionals to ensure you have the most up-to-date and accurate information for your specific situation.
Yes, supplemental health insurance is available in Oregon.
Low-income residents in Oregon may qualify for free health insurance through Medicaid.
In Oregon, short-term health insurance plans are limited to a duration of up to three months and cannot be renewed.
The cost of health insurance in Oregon varies but is generally comparable to the national average.
Major insurance providers in Oregon include Bridgespan, Kaiser, PacificSource, Providence, and Regence.
