Health insurance for Oregonians who buy their own.
We help Oregonians who buy their own health coverage, including people leaving a job, self-employed workers and early retirees, compare Marketplace plans, OHP and OHP Bridge.
Oregon plans we compare
What’s different about health insurance in Oregon.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Oregon FAQ- Oregon now has its own enrollment site, Explore Health. Starting with 2027 coverage, you no longer enroll through HealthCare.gov.
- Open enrollment for 2027 runs November 1, 2026 to January 15, 2027. Enroll by December 31 for a January 1 start.
- PacificSource and Providence are leaving the individual market for 2027, and Moda is leaving eight counties.
- OHP Bridge gives free coverage to adults with income up to 200% of the federal poverty level.
- Every insurer offers Oregon Standard plans, which include three $5 office visits before the deductible.
- Short-term plans are capped at three months in Oregon, including renewals.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Oregon's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Oregon, and what to use instead.
Learn moreWho sells plans in Oregon
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Oregon FAQ, or ask an agent at (888) 214-4898.
No. Starting in November 2026, Oregon uses its own site, Explore Health, for Marketplace plans and financial help. HealthCare.gov was used for 2026 coverage, but 2027 enrollment happens at ExploreHealthOR.gov.
Open enrollment runs November 1, 2026 to January 15, 2027. If you enroll by December 31, 2026, coverage starts January 1, 2027.
No. The enhanced federal credits expired after 2025. In Oregon, about 60% of people who asked for financial help got it in 2026, down from 80% the year before, and many middle-income households paid more.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Oregon county, check your subsidy, and walk you through the options. No cost, no obligation.