Oregon health insurance plans
How individual and family health coverage works in Oregon, in plain language.
ACA Open Enrollment opens November 1st
Open enrollment starts November 1st. Not sure which Oregon plan is right for you? Call and we'll help you find it.
Where Oregon residents shop
Oregon residents who buy their own coverage shop on HealthCare.gov (federal Marketplace) -- transitioning to Explore Health November 1, 2026 at www.healthcare.gov/oregon/. That is also where income-based help with monthly premiums (premium tax credits) is applied. Enrollment follows the federal HealthCare.gov calendar.
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.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within Oregon, so your county matters. Find your county.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
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.
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.
Questions about Oregon health plans? Call 855-367-1095
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.