Health plan tiers
Health plans come in three different tiers: bronze, silver, and gold. Each tier offers a different level of coverage for costs associated with health care. Coverage is balanced out with premium cost.
Catastrophic health plans have been available to people in Oregon who are under the age of 30 or people who qualify for a hardship or affordability exemption. Oregon insurance companies currently are not offering Catastrophic plans for 2027.
Oregon Standard plans are available from each health insurance company at each tier: Oregon Standard Bronze, Oregon Standard Silver, and Oregon Standard Gold. The standard plans cover all office visits ahead of meeting your deductible. You will pay a reasonable copay upfront and the insurance company covers the rest. Every Standard plan available in Oregon includes three office visits at $5 each before you reach your deductible.
All plans include a robust set of
preventive health services at no cost to you, even before you meet your deductible. These services must be ordered and administered by an in-network doctor.
Learn more about covered benefits including essential health benefits included in every Explore Health plan.
2027 health insurance companies
Find an in-network provider or facility with BridgeSpan.Customer service: 855-857-9944, TTY: 711
Mon. - Fri., 5 a.m. to 8 p.m. Pacific Time
Sat., 8 a.m. to 4:30 p.m. Pacific Time
Find an in-network provider or facility with Kaiser Permanente.
Customer service: 800-813-2000, TTY: 711
Mon. - Fri., 8 a.m. to 6 p.m. Pacific Time