Health Insurance Plans in Oregon
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| Plan Name | On or Off Exchange | Plan eligible for subsidy? | Metal Level | Deductible (individual/family) | Out-of-pocket Max (individual/family) | |
|---|---|---|---|---|---|---|
| PacificSource Oregon Standard Bronze HSA Plan Core by PacificSource Health Plans | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Regence Standard Bronze Plan Legacy by Regence BlueCross BlueShield of Oregon | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Moda Health Affinity Bronze 8000 by Moda Health Plan, Inc. | Both | Bronze | $8,000 / $16,000 | $9,250 / $18,500 | Price & Details | |
| BridgeSpan Standard Bronze Plan by BridgeSpan Health Company | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| HSA-E Qualified 7500 Bronze - Signature Network by Providence Health Plan | Both | Bronze | $7,500 / $15,000 | $7,500 / $15,000 | Price & Details | |
| Providence Oregon Standard Bronze Plan - Signature Network by Providence Health Plan | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Regence Standard Bronze Plan Individual Connect by Regence BlueCross BlueShield of Oregon | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Providence Oregon Standard Bronze Plan - Choice Network by Providence Health Plan | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| KP Oregon Standard Bronze Plan by Kaiser Foundation Healthplan of the NW | Obamacare | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| KP OR Bronze 6000 by Kaiser Foundation Healthplan of the NW | Obamacare | Bronze | $6,000 / $12,000 | $8,900 / $17,800 | Price & Details | |
| KP OR Bronze HSA 7100 by Kaiser Foundation Healthplan of the NW | Obamacare | Bronze | $7,100 / $14,200 | $7,100 / $14,200 | Price & Details | |
| Core Bronze HSA 7500 by PacificSource Health Plans | Both | Bronze | $7,500 / $15,000 | $10,600 / $21,200 | Price & Details | |
| Core Bronze HSA 8300 by PacificSource Health Plans | Both | Bronze | $8,300 / $16,600 | $8,300 / $16,600 | Price & Details | |
| Bronze Essential 9000 With 4 Copay No Deductible Office Visits Individual Connect by Regence BlueCross BlueShield of Oregon | Both | Bronze | $9,000 / $18,000 | $10,600 / $21,200 | Price & Details | |
| Moda Health Affinity Bronze HDHP 7500 by Moda Health Plan, Inc. | Both | Bronze | $7,500 / $15,000 | $7,500 / $15,000 | Price & Details | |
| Moda Health Oregon Standard Bronze Affinity by Moda Health Plan, Inc. | Both | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Moda Health Affinity Bronze 9000 by Moda Health Plan, Inc. | Both | Bronze | $9,000 / $18,000 | $9,500 / $19,000 | Price & Details | |
| Bronze 8000 Individual Connect by Regence BlueCross BlueShield of Oregon | Both | Bronze | $8,000 / $16,000 | $10,600 / $21,200 | Price & Details | |
| Bronze HSA 7000 Individual Connect by Regence BlueCross BlueShield of Oregon | Both | Bronze | $7,000 / $14,000 | $8,300 / $16,600 | Price & Details | |
| Connect 9800 Bronze by Providence Health Plan | Both | Bronze | $9,800 / $19,600 | $9,800 / $19,600 | Price & Details | |
| Bronze Essential 9000 With 4 Copay No Deductible Office Visits Legacy by Regence BlueCross BlueShield of Oregon | Both | Bronze | $9,000 / $18,000 | $10,600 / $21,200 | Price & Details | |
| HSA Qualified 7500 Bronze - Choice Network by Providence Health Plan | Both | Bronze | $7,500 / $15,000 | $7,500 / $15,000 | Price & Details | |
| Core Silver 7500 by PacificSource Health Plans | Both | Silver | $7,500 / $15,000 | $8,400 / $16,800 | Price & Details | |
| Core Silver 4500 by PacificSource Health Plans | Both | Silver | $4,500 / $9,000 | $9,750 / $19,500 | Price & Details | |
| Moda Health Affinity Silver 6000 by Moda Health Plan, Inc. | Both | Silver | $6,000 / $12,000 | $8,250 / $16,500 | Price & Details | |
| Moda Health Oregon Standard Silver Affinity by Moda Health Plan, Inc. | Both | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| Moda Health Affinity Silver 4500 by Moda Health Plan, Inc. | Both | Silver | $4,500 / $9,000 | $8,000 / $16,000 | Price & Details | |
| Moda Health Affinity Silver 3400 by Moda Health Plan, Inc. | Both | Silver | $3,400 / $6,800 | $8,250 / $16,500 | Price & Details | |
| Moda Health Affinity Silver 3000 by Moda Health Plan, Inc. | Both | Silver | $3,000 / $6,000 | $8,000 / $16,000 | Price & Details | |
| BridgeSpan Standard Silver Plan by BridgeSpan Health Company | Both | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| Silver 6500 Individual Connect by Regence BlueCross BlueShield of Oregon | Both | Silver | $6,500 / $13,000 | $10,150 / $20,300 | Price & Details | |
| Regence Standard Silver Plan Individual Connect by Regence BlueCross BlueShield of Oregon | Both | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| Providence Oregon Standard Silver Plan - Choice Network by Providence Health Plan | Both | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| KP Oregon Standard Silver Plan by Kaiser Foundation Healthplan of the NW | Obamacare | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| KP OR Silver 3000 by Kaiser Foundation Healthplan of the NW | Obamacare | Silver | $3,000 / $6,000 | $8,600 / $17,200 | Price & Details | |
| KP OR Silver 4000 by Kaiser Foundation Healthplan of the NW | Obamacare | Silver | $4,000 / $8,000 | $8,600 / $17,200 | Price & Details | |
| Silver 6500 Legacy by Regence BlueCross BlueShield of Oregon | Both | Silver | $6,500 / $13,000 | $10,150 / $20,300 | Price & Details | |
| Regence Standard Silver Plan Legacy by Regence BlueCross BlueShield of Oregon | Both | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| PacificSource Oregon Standard Silver Plan Core by PacificSource Health Plans | Both | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| Providence Oregon Standard Silver Plan - Signature Network by Providence Health Plan | Both | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| Connect 6000 Silver by Providence Health Plan | Both | Silver | $6,000 / $12,000 | $10,000 / $20,000 | Price & Details | |
| Core Gold 1500 by PacificSource Health Plans | Both | Gold | $1,500 / $3,000 | $9,300 / $18,600 | Price & Details | |
| PacificSource Oregon Standard Gold Plan Core by PacificSource Health Plans | Both | Gold | $1,800 / $3,600 | $8,150 / $16,300 | Price & Details | |
| Moda Health Oregon Standard Gold Affinity by Moda Health Plan, Inc. | Both | Gold | $1,800 / $3,600 | $8,150 / $16,300 | Price & Details | |
| Moda Health Affinity Gold 1500 by Moda Health Plan, Inc. | Both | Gold | $1,500 / $3,000 | $7,900 / $15,800 | Price & Details | |
| Moda Health Affinity Gold 250 by Moda Health Plan, Inc. | Both | Gold | $250 / $500 | $8,500 / $17,000 | Price & Details | |
| Providence Oregon Standard Gold Plan - Signature Network by Providence Health Plan | Both | Gold | $1,800 / $3,600 | $8,150 / $16,300 | Price & Details | |
| BridgeSpan Standard Gold Plan by BridgeSpan Health Company | Both | Gold | $1,800 / $3,600 | $8,150 / $16,300 | Price & Details | |
| Gold 2300 Individual Connect by Regence BlueCross BlueShield of Oregon | Both | Gold | $2,300 / $4,600 | $10,150 / $20,300 | Price & Details | |
| Regence Standard Gold Plan Individual Connect by Regence BlueCross BlueShield of Oregon | Both | Gold | $1,800 / $3,600 | $8,150 / $16,300 | Price & Details | |
| Providence Oregon Standard Gold Plan - Choice Network by Providence Health Plan | Both | Gold | $1,800 / $3,600 | $8,150 / $16,300 | Price & Details | |
| KP OR Gold 0 by Kaiser Foundation Healthplan of the NW | Obamacare | Gold | $0 / $0 | $8,200 / $16,400 | Price & Details | |
| KP Oregon Standard Gold Plan by Kaiser Foundation Healthplan of the NW | Obamacare | Gold | $1,800 / $3,600 | $8,150 / $16,300 | Price & Details | |
| KP OR Gold 1750 by Kaiser Foundation Healthplan of the NW | Obamacare | Gold | $1,750 / $3,500 | $8,500 / $17,000 | Price & Details | |
| Connect 1500 Gold by Providence Health Plan | Both | Gold | $1,500 / $3,000 | $9,000 / $18,000 | Price & Details | |
| Gold 2300 Legacy by Regence BlueCross BlueShield of Oregon | Both | Gold | $2,300 / $4,600 | $10,150 / $20,300 | Price & Details | |
| Regence Standard Gold Plan Legacy by Regence BlueCross BlueShield of Oregon | Both | Gold | $1,800 / $3,600 | $8,150 / $16,300 | Price & Details | |
| Core Gold 3000 by PacificSource Health Plans | Both | Gold | $3,000 / $6,000 | $8,000 / $16,000 | Price & Details | |
| Moda Health Affinity Gold 1000 by Moda Health Plan, Inc. | Both | Gold | $1,000 / $2,000 | $8,850 / $17,700 | Price & Details | |
| Moda Health Affinity Silver 2900 Direct by Moda Health Plan, Inc. | Off | Silver | $2,900 / $5,800 | $8,700 / $17,400 | Price & Details | |
| Connect Direct 6000 Silver by Providence Health Plan | Off | Silver | $6,000 / $12,000 | $10,000 / $20,000 | Price & Details | |
| Silver 5000 Direct Legacy by Regence BlueCross BlueShield of Oregon | Off | Silver | $5,000 / $10,000 | $10,600 / $21,200 | Price & Details | |
| Core Silver 7400 by PacificSource Health Plans | Off | Silver | $7,400 / $14,800 | $8,400 / $16,800 | Price & Details | |
| Silver 6500 Direct Individual Connect by Regence BlueCross BlueShield of Oregon | Off | Silver | $6,500 / $13,000 | $10,600 / $21,200 | Price & Details | |
| Moda Health Affinity Silver 4400 Direct by Moda Health Plan, Inc. | Off | Silver | $4,400 / $8,800 | $8,150 / $16,300 | Price & Details | |
| Core Silver 4400 by PacificSource Health Plans | Off | Silver | $4,400 / $8,800 | $9,750 / $19,500 | Price & Details | |
| Core Silver 6000 by PacificSource Health Plans | Off | Silver | $6,000 / $12,000 | $10,000 / $20,000 | Price & Details | |
| Providence Oregon Direct Silver Plan - Signature Network by Providence Health Plan | Off | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| Moda Health Affinity Silver 3500 Direct by Moda Health Plan, Inc. | Off | Silver | $3,500 / $7,000 | $8,700 / $17,400 | Price & Details | |
| Moda Health Affinity Silver 3650 Direct by Moda Health Plan, Inc. | Off | Silver | $3,650 / $7,300 | $9,000 / $18,000 | Price & Details | |
| Silver 6500 Direct Legacy by Regence BlueCross BlueShield of Oregon | Off | Silver | $6,500 / $13,000 | $10,600 / $21,200 | Price & Details | |
| Providence Oregon Direct Silver Plan - Choice Network by Providence Health Plan | Off | Silver | $6,100 / $12,200 | $9,200 / $18,400 | Price & Details | |
| Silver 5000 Direct Individual Connect by Regence BlueCross BlueShield of Oregon | Off | Silver | $5,000 / $10,000 | $10,600 / $21,200 | Price & Details |
Help with Obamacare & Off-Exchange Plans Sign Up
After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.
Licensed insurance agents at our trusted partner help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.
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Learn More About Obamacare and Off-Exchange Plans in Oregon
What are Obamacare Health Insurance Plans?
Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.
What are Off-Exchange Health Insurance Plans?
Off-Exchange health insurance plans are plans which are available outside of the federal government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.
You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.
What’s the difference between Obamacare plans and Off-Exchange plans?
The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.
Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to federal government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.
Can a plan be both an Obamacare and Off-Exchange plan?
Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.
On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.
Do plans which are both Obamacare and Off-Exchange plans cost the same price?
Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.
Who is eligible for Obamacare and Off-Exchange plans?
Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.
What is the Obamacare Subsidy (Tax Credit)?
The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.
You must complete an official federal government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.
Search Obamacare plans and estimate subsidy amount
Who is eligible to receive an Obamacare Subsidy (Tax Credit)
To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.
- Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
- Not eligible for other federal government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet federal government coverage and affordability requirements
- File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
- Not be incarcerated
- Be legally present in the United States
Why should I consider Off-Exchange plans?
Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.
A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.
In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.
How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?
There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.
FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan