Before subsidies, the average benchmark silver plan for a 40-year-old in Oregon costs $519 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists top-rated local agencies across Oregon by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Oregon
People in Oregon buy marketplace coverage through Explore Health (Oregon Health Insurance Marketplace). Open enrollment runs from November 1 through January 15. Oregon Health Plan (OHP) covers adults with income up to 138% of the poverty level. 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. Short-term health plans are sold with state limits on how long they can last (up to 3 months initially). They are not ACA-compliant coverage.
Agent licensing in Oregon
- Oregon's Division of Financial Regulation, part of the Department of Consumer and Business Services, licenses insurance agents and regulates health insurers. Consumers can file a complaint with the Division online. Source
- Oregon's Division of Financial Regulation directs consumers to the NAIC State Based System search to look up an insurance agent's or agency's license status in Oregon. Source
- Oregon producers who sell health coverage need the Health line of authority, which requires passing a licensing exam. Source
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.
Licensed agents can quote plans from multiple Oregon carriers in one call.
Call 866-645-8540Health insurance by city in Oregon
- Albany
- Aloha
- Altamont
- Ashland
- Astoria
- Baker City
- Beaverton
- Bend
- Bethany
- Brookings
- Bull Mountain
- Canby
- Cedar Hills
- Cedar Mill
- Central Point
- Coos Bay
- Cornelius
- Corvallis
- Cottage Grove
- Creswell
- Dallas
- Damascus
- Deschutes River Woods
- Eagle Point
- Estacada
- Eugene
- Fairview
- Florence
- Forest Grove
- Four Corners
- Garden Home-Whitford
- Gladstone
- Grants Pass
- Green
- Gresham
- Happy Valley
- Hayesville
- Hermiston
- Hillsboro
- Hood River
- Independence
- Jennings Lodge
- Junction City
- Keizer
- Klamath Falls
- La Grande
- Lake Oswego
- Lebanon
- Lincoln City
- Madras
- McMinnville
- Medford
- Milton-Freewater
- Milwaukie
- Molalla
- Monmouth
- Newberg
- Newport
- North Bend
- Oak Grove
- Oak Hills
- Oatfield
- Ontario
- Oregon City
- Pendleton
- Philomath
- Portland
- Prineville
- Raleigh Hills
- Redmond
- Rockcreek
- Roseburg
- Roseburg North
- Salem
- Sandy
- Scappoose
- Seaside
- Sheridan
- Sherwood
- Silverton
- Springfield
- St. Helens
- Stayton
- Sutherlin
- Sweet Home
- Talent
- The Dalles
- Tigard
- Tillamook
- Troutdale
- Tualatin
- Umatilla
- Veneta
- Warrenton
- West Haven-Sylvan
- West Linn
- West Slope
- White City
- Wilsonville
- Winston
- Woodburn