Individual and Family Health Insurance in Oregon
PDX Benefits helps Oregon individuals, families, and self-employed workers compare health insurance plans, navigate the Oregon Marketplace (Explore Health), check subsidy eligibility, and find coverage that fits their needs and budget.
Oregon Marketplace
Explore Health
ACA Plans
10 Essential Benefits
Subsidy Help
Premium tax credits
No-Cost Broker
Carrier-paid
Oregon Individual Health Insurance Options
Oregon Marketplace (Explore Health)
Oregon's new state-based marketplace launches November 1. Compare ACA-compliant plans with potential premium tax credits based on household income.
Direct Carrier Plans
Purchase directly from Kaiser, Regence, Moda, PacificSource, or Health Net. A broker can help you compare at no additional cost.
Special Enrollment Periods
Losing employer coverage, moving, getting married, or having a baby may qualify you for a special enrollment period outside of open enrollment.
Family Coverage
Family plans cover dependents up to age 26. Compare deductibles, networks, and pediatric dental and vision benefits across carriers.
2027 Oregon Marketplace Changes
Explore Health replaces HealthCare.gov as Oregon's state-based marketplace, launching November 1 for 2027 coverage.
Providence Health Plan is exiting Oregon's individual ACA market for 2027, displacing roughly 400,000 members.
PacificSource withdrew from Oregon's individual marketplace and reduced operations.
Moda is adjusting individual offerings by region, exiting 8 counties for 2027.
Enhanced premium tax credits expired at the end of 2025, causing average net premiums to rise more than 58%.
Individual & Family Health Insurance Oregon FAQs
How do I get individual health insurance in Oregon?
Oregon residents can purchase individual health insurance through the Oregon Health Insurance Marketplace (Explore Health, launching November 1 for 2027 coverage), directly from carriers like Kaiser, Regence, Moda, and PacificSource, or with the help of a licensed insurance broker at no additional cost.
When is open enrollment for Oregon individual health insurance?
Open enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027 on Oregon's state-based marketplace, Explore Health. Coverage effective dates vary by enrollment date — enroll by December 15 for January 1 coverage.
Can I get financial help paying for individual health insurance in Oregon?
Premium tax credits are available for households earning 100%–400% of the Federal Poverty Level. Enhanced subsidies that extended beyond 400% FPL expired at the end of 2025, causing average net premiums to rise more than 58% in many states.
What is Oregon's new state-based marketplace, Explore Health?
Explore Health is Oregon's new state-based health insurance marketplace, confirmed by the Oregon Health Authority for a November 1 launch. It replaces the federal HealthCare.gov platform for Oregon residents seeking individual and family coverage.
Can a broker help me compare Oregon individual health insurance plans?
Yes. A licensed broker like PDX Benefits can help you compare plans, check provider networks, estimate subsidy eligibility, and enroll — all at no cost to you. Broker commissions are paid by the insurance carrier.
Need Help Comparing Oregon Health Insurance Plans?
A licensed broker can help you compare plans, check networks, and estimate savings — at no cost to you.