Health insurance help for Oregon residents
Compare Medicare, health insurance marketplace plans and Medicaid in Oregon, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
What is different about coverage in Oregon
Oregon currently uses the federal HealthCare.gov Marketplace, but that's changing soon -- a new state-run site, Explore Health (ExploreHealthOR.gov), is set to take its place starting November 1, 2026 under a 2023 state law. Oregon Health Insurance is free to use for Oregon callers working through Medicare, ACA, life, or supplemental coverage questions.
- The Oregon Health Plan (OHP), run by the Oregon Health Authority, is Oregon's Medicaid program -- apply online at ONE.Oregon.gov, which is the right place to start if your Oregon Medicaid eligibility changed.
- As of this writing, Oregon ACA shopping still goes through the federal HealthCare.gov Marketplace, but that's about to change: a new state marketplace, Explore Health, launches November 1, 2026 and will take HealthCare.gov's place for Oregon.
- Free Medicare counseling is available in Oregon through SHIBA (Senior Health Insurance Benefits Assistance) at 800-722-4134, separate from Oregon Health Insurance's own free phone help.
Worth knowing: Oregon is in the middle of a marketplace transition: a 2023 state law required the Oregon Health Authority to stand up its own exchange, and the new Explore Health site received federal approval and is scheduled to replace HealthCare.gov for Oregon starting November 1, 2026 -- worth double-checking which site is current if you're reading this after that date.
Coverage questions we help Oregon residents with
Oregon by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in Oregon you live. Start with your county.
Major Oregon cities
Oregon colleges and universities
- University of Oregon
- Oregon State University
- Portland State University
- Oregon Health & Science University
- Southern Oregon University
- Western Oregon University
State bird: Western Meadowlark
Sturnella neglecta. Oregon’s official state bird, shown here as a local touch.
Photo: Kevin Cole (CC BY 2.0), via Wikimedia CommonsCommon Oregon questions
Where do I shop for ACA health plans in Oregon?
Oregon residents shop through HealthCare.gov (federal Marketplace) -- transitioning to Explore Health November 1, 2026 (https://www.healthcare.gov/oregon/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Oregon?
Medicaid in Oregon is run through Oregon Health Plan (Oregon Health Authority) (https://www.oregon.gov/oha/hsd/ohp/pages/index.aspx). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Oregon?
Oregon Division of Financial Regulation (DFR) (https://dfr.oregon.gov) regulates insurance companies and agents in Oregon. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Oregon?
Yes. Oregon SHIBA (Senior Health Insurance Benefits Assistance) (800-722-4134) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Oregon Health Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about Oregon coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.