Before subsidies, the benchmark silver plan for a 40-year-old in Deschutes County cost about $556 a month for 2026, and the Oregon average for 2027 is $519 a month. Premium tax credits bring that down for many households, depending on income and family size. 5 insurers offered marketplace plans in Deschutes County for 2026. Below you'll find how coverage works in Bend, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Bend
Licensed agents can compare plans available in Deschutes County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Bend, OR
| Where to enroll | Explore Health (Oregon Health Insurance Marketplace) |
|---|---|
| Average benchmark silver, age 40 (2027) | $519/mo before subsidies |
| Deschutes County benchmark (2026) | $556/mo |
| Plans offered in Deschutes County (2026) | 41 |
| Plan types | EPO |
| Marketplace insurers in Oregon (2027) | 4 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Ask each agent which carriers they can quote in your county.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Check that the agent's license is active with the state regulator.
- Write down the enrollment deadline and confirm your first premium payment.
Free enrollment help in Oregon
Oregon Health Insurance Marketplace (Explore Health) assisters at community partner organizations, plus licensed insurance agents, give free local help with options and applications. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Oregon Health Plan (OHP). Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Where can I buy health insurance in Bend?
Through the Explore Health (Oregon Health Insurance Marketplace), directly from an insurer, or with a licensed agent or broker who can do either.
Which insurers sell marketplace plans in Oregon?
For 2027, marketplace plans in Oregon come from 4 insurers: Regence BlueCross BlueShield of Oregon, BridgeSpan, Kaiser Permanente and Moda Health. Not every insurer sells in every county.
Health insurance in nearby cities
- Deschutes River Woods, OR 5 miles
- Redmond, OR 16 miles
- Prineville, OR 28 miles
- Madras, OR 41 miles
- Sweet Home, OR 73 miles
- Springfield, OR 83 miles
- Creswell, OR 85 miles
- Lebanon, OR 86 miles
- Cottage Grove, OR 89 miles
- Eugene, OR 90 miles