Best Oregon Health Insurance (2024 Plans) (2024)

Best Overall for Health Insurance in Oregon

Kaiser Permanente provides the best health insurance in Oregon with a MoneyGeek score of 62 out of 100. The insurer offers plans with low costs and manages claims well. The provider also has lower out-of-pocket costs compared with others.

For this study, we looked at a total of 26 health insurance plans in Oregon, comprising 23 Silver EPO plans and three Silver PPO plans.

Best Health Insurance in Oregon for Low Out-of-Pocket Costs

PacificSource Health Plans has a MoneyGeek score of 79 out of 100, making it the best health insurance for low out-of-pocket costs in Oregon. Its plans have low MOOP costs, and it has a better claim approval rates compared with other insurers.

In Oregon, we looked at 18 Gold EPO plans and three Gold PPO plans.

Best Cheap Health Insurance in Oregon

Kaiser Permanente is the cheapest provider for health insurance in Oregon, with a MoneyGeek score of 76. Kaiser Permanente has the cheapest plan options, denies fewer claims compared with other providers and offers many types of plan options.

We evaluated 26 Silver plans in Oregon for this analysis, comprising 23 Silver EPO plans and three Silver PPO plans. MoneyGeek put more weight on plans with low monthly premiums when deciding the winner for this category. Plans with lower premiums often have higher out-of-pocket costs.

Best Health Insurance for Low Income in Oregon

Kaiser Permanente scored 71 out of 100, offering the best health insurance in Oregon for people with low income. The provider offers plans with the lowest rates, a lower-than-average number of claim denials and multiple plan types available.

MoneyGeek evaluated 23 Silver CSR EPO plans and three Silver CSR PPO plans in Oregon. We placed more importance on low monthly premiums for the plans and included only those with cost-sharing reductions (CSRs) when deciding the top health insurance for low-income people in Oregon. CSRs help lower what you pay out of your own pocket like your deductible, so you can pay less each month and still not have too much to pay when you need care.

While Silver plans usually cover about 70% of health costs, with CSRs, that amount changes based on what you earn in a year:

• If you make between $27,180 and $33,975 (201–250% of the federal poverty level), you can get about 73% of your health care costs covered.
• If you earn $20,385 to $27,180 (151–200% of FPL), you can expect about 87% of costs to be covered.
• If you make less than $20,385 (up to 150% of FPL), you can look forward to having about 94% of your health insurance costs covered.

How much money you need to fall within these brackets can change if more people live in your home.

Best Health Insurance for Young Adults in Oregon

Kaiser Permanente offers the best health insurance in Oregon for young adults, earning a MoneyGeek score of 73 out of 100. It offers plan options with affordable rates, has MOOP costs that are lower than most and maintains better-than-average rates of claim approvals.

We evaluated two Bronze EPO plans, 23 Expanded Bronze EPO plans and four Expanded Bronze PPO plans for this category. Catastrophic plans are available only to individuals under age 30.

Best Health Insurance by Plan Type in Oregon

Health insurance companies offer different plan types. The best providers for all avaialable categories are:

• EPO: Kaiser Permanente (MoneyGeek score: 61 out of 100)
• PPO: PacificSource Health Plans (MoneyGeek score: 100 out of 100)

MoneyGeek's recommendations used only Silver plans. Silver plans usually strike a good balance between monthly payments and your costs when you see the doctor. These plans are helpful for people who go to the doctor or need health services fairly often.

In Oregon, there are 23 Silver EPO plans and three Silver PPO plans available.

Best Short-Term Health Insurance in Oregon

How to Find the Best Health Insurance for You in Oregon

Understand when a health insurance plan will cover you

Health insurance plans have networks, which are groups of doctors and hospitals. In-network means those doctors and hospitals have a deal with the insurance plan. Out-of-network means no deal is in place.

PPO plans have a wider provider network and may cover health care services you receive from out-of-network providers, whereas EPO plans will only cover in-network services. The latter tends to have lower monthly premiums. Oregon offers three PPO plans and 23 EPO plans.



Weigh the cost of premiums vs. the cost of care

When you look for health insurance, find the right mix of monthly costs and MOOP costs. Plans with low monthly costs usually mean you could pay more if you need considerable amounts of medical care. Higher monthly payments often lower your yearly spending cap, which can save money if you go to the doctor often.

For example, the KP Oregon Standard Silver Plan has the lowest MOOP among the Silver plans from Kaiser Permanente. But at $499 a month, it has higher premiums than the average for Kaiser's Silver plans. Consider Silver plans like this if if they let you access great doctors and hospitals.

Oregonians aged 65 and older or those with a disability or illness may qualify for Medicare. This is a federal health care program that offers affordable health care coverage to eligible individuals.

Medicare has three parts, with each one covering different services:

• Part A (Hospital Insurance): Hospital stays, skilled nursing facility care, some home health care services and hospice care.
• Part B (Medical Insurance): Medical supplies, doctors’ visits, outpatient treatments and preventive care services.
• Part D (Prescription Drug Insurance): Prescribed medications and several essential vaccines.

We rounded up the best Medicare Advantage and Medicare Supplement plans in Oregon.

Medicaid is another federal health care program that provides free or low-cost health care coverage for certain individuals. In Oregon, you may be eligible for free Medicaid if your household income is below 138% of the Federal Poverty Level. You may also qualify for Oregon Medicaid if you are pregnant, are responsible for a child aged 17 or younger or have a disability.

FAQ About Health Insurance in Oregon