Before subsidies, the benchmark silver plan for a 40-year-old in Multnomah County cost about $510 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. 6 insurers offered marketplace plans in Multnomah County for 2026. Keep reading for what's sold in Multnomah County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Portland
Licensed agents can compare plans available in Multnomah County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Portland, OR
| Where to enroll | Explore Health (Oregon Health Insurance Marketplace) |
|---|---|
| Average benchmark silver, age 40 (2027) | $519/mo before subsidies |
| Multnomah County benchmark (2026) | $510/mo |
| Plans offered in Multnomah County (2026) | 59 |
| 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.
Local health care in Portland
- Legacy Health, a nonprofit system with hospital campuses across the Portland area and Southwest Washington (including a full-service children's hospital), is a network worth checking before you choose a Portland plan; its planned merger with OHSU was called off, so the two remain separate networks. Source
- The Multnomah County Health Department serves Portland with disease control, community primary care clinics, behavioral health and environmental health programs. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
A quick checklist
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
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
How much is health insurance in Portland?
Before subsidies, the benchmark silver plan for a 40-year-old in Multnomah County cost about $510 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. 6 insurers offered marketplace plans in Multnomah County for 2026. A licensed agent can quote your exact price.
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 Portland?
Through the Explore Health (Oregon Health Insurance Marketplace), directly from an insurer, or with a licensed agent or broker who can do either.
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