Group Health Insurance for Oregon Employers
PDX Benefits helps Oregon employers compare group health insurance plans from Kaiser, Regence, Moda, PacificSource, UnitedHealthcare, and Health Net. Whether you need a PPO, HMO, HDHP, or level-funded plan, we guide you through plan design, Section 125 tax savings, and renewal strategy.
Group Plans
1–50 employees
PPO · HMO · HDHP
All plan types
10+ Carriers
Oregon market
Section 125
7.65% FICA savings
Oregon Group Health Insurance Plan Types
PPO Plans
Broadest provider network with out-of-network coverage. Best for employees needing specialist flexibility. Higher premiums but maximum access.
HMO Plans
Lower cost with referral requirements. Employees choose a primary-care physician within the network. Best for cost-conscious groups.
HDHP + HSA
High-deductible plan paired with a Health Savings Account. Triple tax advantage. 2026 HSA limits: $4,400 self / $8,750 family.
Level-Funded Plans
Self-funded arrangement with stop-loss insurance. Greater cost transparency for groups of 2+. Moda launching Equal Funding in Oregon Q1 2027.
2026 Oregon Carrier Premium Analysis
Based on PDX Benefits analysis of 170 plans across 7 major Oregon carriers for a 20-employee sample group (average age 40, 50/50 gender mix), rates effective Q1 2026.
| Carrier | Avg Employee-Only Premium | Position |
|---|---|---|
| Kaiser Permanente | $496.78 | Lowest Cost Leader |
| Health Net | $543.00 | Value Mid-Range |
| PacificSource | $549.47 | Value Mid-Range |
| Moda Health | $592.42 | Mid-Range |
| Regence BCBS of Oregon | $608.76 | Premium Network |
| UnitedHealthcare | $626.12 | Premium Network |
| Providence Health Plan | $658.74 | Highest Tier |
Group Health Insurance Oregon FAQs
What is group health insurance in Oregon?
Group health insurance in Oregon is employer-sponsored coverage that provides health benefits to employees and their dependents. Oregon employers with 1–50 employees qualify for small-group ACA plans, while larger groups have additional fully-insured and self-funded options. Group plans typically offer lower per-person costs than individual coverage.
How many employees do you need for group health insurance in Oregon?
Oregon small-group coverage requires at least one W-2 employee on payroll. Businesses with 1–50 employees qualify for small-group ACA plans. For 1099-heavy businesses, Nationwide self-funded plans using the Aetna PPO network allow contractor enrollment without a W-2 employee.
Which carriers offer group health insurance in Oregon?
Major Oregon group health insurance carriers include Kaiser Permanente, Regence BlueCross BlueShield of Oregon, Moda Health, PacificSource Health Plans, UnitedHealthcare, and Health Net. For 2027, note that Providence and UnitedHealthcare of Oregon have not filed small-group rates.
What is the difference between PPO, HMO, and HDHP for Oregon employers?
PPO plans offer the broadest provider network at the highest premium. HMOs require referrals from a primary-care physician but minimize cost. HDHPs pair with an HSA for triple tax advantages — the 2026 HSA limits are $4,400 (self-only) and $8,750 (family).
Can Oregon employers use level-funded or self-funded group plans?
Yes. Level-funded and self-funded plans offer greater cost transparency and potential savings for groups of 2+. Moda is launching Equal Funding for Oregon small groups in late Q1 2027. These plans can also allow 1099 contractor enrollment depending on the arrangement.
Compare Group Health Insurance Plans for Your Oregon Business
Get a side-by-side comparison of carriers, costs, and tax savings.