Oregon Health Insurance Cost Calculator

How much is health insurance in Oregon per month in 2026?

$546/mo. That is the plan-year 2026 second-lowest-cost Silver ("benchmark") premium for one 40-year-old, non-tobacco, individual on-exchange enrollee in Oregon — $6,552 a year at full price, before any premium tax credit. The benchmark plan matters beyond its own price tag: federal law sets your subsidy from it, so it is the single figure that determines what every other marketplace plan costs you.

Oregon is $79/month below the $625/mo US benchmark (-12.6%), a difference of $948 a year at full price.

This page's Oregon figure is derived reproducibly from CMS's own PY2026 Rate and Plan Attributes Public Use Files: individual-market, non-dental Silver standard-component plans, age-40 IndividualRate, second-lowest distinct premium in each rating area, then the unweighted mean across Oregon's 7 rating areas. CMS does not publish enrollment weights in those files, which is why the aggregation is unweighted and why that is disclosed here rather than hidden. KFF's independently weighted Oregon figure is $543/mo, a 0.6% difference that is the weighting method, not a disagreement about the underlying rates.

The Oregon state average is a planning figure: $510-$605/month across 7 rating areas

Oregon is split into 7 geographic rating areas, and insurers price each one separately. In CMS's PY2026 files the benchmark premium runs from $510/mo in the cheapest rating area to $605/mo in the most expensive — a $95/month ($1,140/year) gap, or 1.19x between the two ends of the same state.

That in-state gap is larger than the $79/month difference between Oregon and the US benchmark — so for Oregon households, which county you live in can matter more than which state you live in. Any single "average premium in Oregon" number — including the one on this page — is therefore a starting point for planning, not a price. Enter your own county's benchmark in the calculator above to replace it.

What you actually pay per month in Oregon after the premium tax credit

The $546/mo figure is the sticker price. If your household income falls between 138% and 400% of the federal poverty line, the ACA premium tax credit caps what you pay for the benchmark plan at a set share of your income — the "applicable percentage," which for 2026 runs from 2.10% to 9.96% under IRS Revenue Procedure 2025-25. The credit pays whatever is left over.

That produces a result most people do not expect, and it is the most useful thing to know about Oregon's premium: as long as your benchmark premium is higher than that income cap, Oregon's premium level does not change what you pay — it changes the size of your credit. Oregon's lower-than-average benchmark means a smaller tax credit, not a smaller bill. Two things break that: crossing 400% of the poverty line, and a benchmark that is already cheaper than your cap.

Above 400% FPL there is no credit at all for 2026 — the temporary 2021-2025 enhancements expired at the end of 2025, so the "subsidy cliff" is back. For a one-person Oregon household the last step down is small: at $62,600 the credit is already only $26/mo, because Oregon's $546/mo benchmark sits barely above the 9.96% income cap of $520/mo. The cliff is severe where the benchmark is far above the cap instead — larger households, older enrollees, and states with much higher premiums.

How household size changes health insurance costs in Oregon

Marketplace coverage is priced per enrolled person, so a family's premium is larger than one person's — but the subsidy math moves in the opposite direction, and that is what decides the bill. Every threshold in the table below is a multiple of the federal poverty line for your TAX household, and the poverty line rises by $5,500 for each additional member. The same income is therefore a lower percentage of FPL — and earns a larger credit — for a bigger household.

Worked through: in Oregon, a one-person household stops qualifying for any premium tax credit above $62,600, while a four-person household still qualifies up to $128,600. The same $62,600 income is 400% of the poverty line for one person — the last subsidized dollar, capped at 9.96% of income — and 195% for a family of four, where the cap is 6.31% instead.

Two traps worth naming. First, the denominator is your TAX household — everyone you claim on your return — not just the people you enroll in the plan; children covered by CHIP or Medicaid still count toward the poverty-line threshold even though they are not on the marketplace policy. Second, the cap on what you pay applies to your household's own benchmark premium, so it only helps while that benchmark exceeds the cap. This page's $546/mo default covers one 40-year-old; enter your household's own benchmark premium in the calculator above before relying on a multi-person estimate.

Looking for a different Oregon number?

This page prices HEALTH insurance — ACA marketplace medical coverage in Oregon. It is not about insuring a house, an apartment's contents, or a car, and it does not price job-based coverage, Medicare, or Medicaid. If you landed here looking for one of those, the direct links below go to the right calculator.

Benchmark sources are rechecked by 2026-11-15; the figures on this page carry the PY2026 (2026-01-01 through 2026-12-31) vintage of CMS PY2026 Marketplace Rate and Plan Attributes PUFs.