If you live in Oregon and don’t get health insurance through a job, it’s important to look at your other options. Below are short descriptions of the different kinds of health plans. You can find more details by clicking the links.
Not sure what kind of health insurance you can get?
Use the window shopping tool to check plans and see how much you could save.
OHP is Oregon’s Medicaid program. It gives free health coverage to people in Oregon who qualify. Coverage includes doctor visits, hospital care, mental health services, dental care, and some vision care.
Learn more about Oregon Health Plan coverage.
Apply for OHP
OHP Bridge is for adults who make a little more money than the limit for regular OHP benefits. If your income is between 138% and 200% of the federal poverty level (FPL), you may qualify. OHP Bridge covers medical, dental, and mental health care. It also includes extra benefits, like rides to medical visits and some health services. But it does not cover long-term care, housing help, or climate benefits. Like OHP, OHP Bridge is free. That means no monthly payments, no co-pays, no coinsurance, and no deductibles. Learn more about OHP Bridge.
Apply for OHP Bridge
Individual health plans (also called private health coverage) are sold through the Marketplace. People in every county in Oregon can buy a plan there. All Marketplace plans cover important health benefits and are checked by the State of Oregon to make sure they meet standards. You can also buy private health plans directly from an insurance company. But, financial help is only available if you buy through the Marketplace. Learn more about Marketplace coverage.
Apply for Marketplace coverage
Health plans through the Marketplace offer special savings for American Indians and Alaska Natives. This includes people enrolled in a federally recognized tribe, band, or pueblo, and Alaska Native Claims Settlement Act shareholders. Tribal members and Alaska Natives who buy a Marketplace plan can get a zero cost-sharing plan if their income is at or below the limit for their family size. That means they don’t have to pay for deductibles, co-pays, coinsurance, or prescriptions. They can also sign up any time of year and change plans up to once a month.Learn more about savings for Tribal members.
Apply for Marketplace coverage
Medicare is health insurance for people 65 and older. Some younger people can also get Medicare if they have a disability, end-stage kidney disease (ESRD), or ALS. Medicare does not cover everything, and you may have to pay some costs. It’s important to think about extra coverage to help with these costs.
The Oregon SHIBA program can help you learn more about Medicare options. Call SHIBA at 1-800-722-4134 (toll-free) or go to the SHIBA website.
Apply for Medicare coverage
Any small business in Oregon with 1 to 50 employees can buy a health plan directly from a participating insurance company. Small businesses with fewer than 25 full-time employees might qualify for the Small Business Health Care Tax Credit. The Oregon Health Insurance Marketplace can help your business take the steps needed to get the credit. Learn more about coverage for small businesses.
The federal VA provides health care for veterans in Oregon. There are three full-service Medical Centers and many smaller Community-Based Outpatient Clinics (CBOCs) around the state. Learn more about VA coverage on the Oregon Department of Veterans' Affairs website.