Oregon's Health Insurance Landscape Is Changing.New Group Options Are Opening Up.
Providence and PacificSource are leaving Oregon's individual ACA market for 2027. At the same time, new group and association-based options may give qualifying businesses considerably more flexibility than traditional small-group plans.
Carriers Exiting Oregon for 2027
The health insurance landscape is changing quickly. Oregon businesses should start reviewing their options before the next renewal.
Providence Health Plan
Exiting Oregon's individual ACA marketplace for 2027. Did not file small-group rates.
PacificSource Health Plans
Withdrawing from Oregon's individual ACA marketplace for 2027.
UnitedHealthcare of Oregon
Did not file small-group rates for 2027. Another UnitedHealthcare company remains in the market.
More Flexibility Than Traditional Small-Group Plans
New group and association-based options may give qualifying businesses considerably more flexibility than traditional small-group plans.
Enroll 1099 Workers
Access group rates with proof of at least one eligible employee—no requirement to offer coverage to every employee.
Start-Ups & Husband-and-Wife Groups
Newly formed businesses and family-run operations can now qualify for group-style coverage.
Management-Only & Owner-Only Carve-Outs
Define which employee classes receive coverage, including owner-only and management carve-outs.
Multi-State Coverage with Composite Rates
Cover employees across state lines with composite rates and flexibility in selecting the group's domicile.
HSA- and HRA-Compatible Plans
Pair coverage with Health Savings Accounts or HRAs, with GAP insurance options available.
Multiple Plan Choices by Enrollment Size
3–15 enrolled: up to 2 plans · 16–24 enrolled: up to 3 plans · 25+ enrolled: up to 4 plans.
Multiple Plan Choices Based on Enrollment
The number of plan options available to your group scales with enrollment.
Enrolled Employees
3–15
Enrolled Employees
16–24
Enrolled Employees
25+
New Association Health Plan Opportunities
New association health-plan opportunities are becoming available through chambers of commerce and community or business associations, sometimes with specially negotiated rates.
It is worth asking whether your chamber or association currently offers an Association Health Plan (AHP). If it does not, let us know. We can contact the organization and explore whether a program could be made available to its members.
Frequently Asked Questions
Which carriers are leaving Oregon's health insurance market for 2027?
For 2027, Providence and PacificSource are leaving Oregon's individual ACA marketplace. Providence and UnitedHealthcare of Oregon also did not file small-group rates for 2027, although another UnitedHealthcare company remains in the market.
Can a business with only 1099 contractors access group health coverage?
Yes. New association and group-based options allow enrollment of 1099 workers, start-ups, and husband-and-wife groups with proof of at least one eligible employee—without requiring the employer to offer coverage to every employee.
How many plan choices does a group get based on enrollment size?
Groups with 3–15 enrolled employees can offer up to two plans, 16–24 enrolled employees up to three plans, and 25 or more enrolled employees up to four plans.
What are Association Health Plans (AHPs)?
Association Health Plans are group coverage options made available through chambers of commerce and business or community associations, sometimes with specially negotiated rates. If your association does not currently offer an AHP, PDX Benefits can contact the organization to explore whether a program could be made available to its members.
Would you like a no-obligation review of your current coverage?
There is no obligation—just a straightforward comparison of the available choices. We'll review your current coverage and see which of these options your business may qualify for.