ACA plans available
37
Plan year
2026 data Public-data reference. official source
Lake, Oregon Health Insurance
Open-data reference.
37 ACA plans from 5 issuers — Plan year 2026
Lake, Oregon offers 37 ACA marketplace plans from 5 issuers for plan year 2026. Silver plans start at $452/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$507
Avg Silver Premium/mo
$456
Benchmark Premium/mo
+16.7%
Year-over-Year Change
$5,466
Avg Deductible
What the Numbers Say About Lake
Lake, Oregon has 37 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $507/mo for a 27-year-old non-tobacco user, with the lowest Silver at $452 and the highest at $565.
The benchmark (second-lowest Silver) premium is $456/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,466 and the average out-of-pocket maximum is $8,876 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Lake shifted by +16.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Lake, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
12 plans$507/mo avg
$452 — $565
Gold
11 plans$604/mo avg
$525 — $656
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Lake is $456/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
5
Competitive market
Benchmark Silver
$456 /mo
Sets your subsidy ceiling
Avg deductible
$5,466
Across all metal tiers
Lake ACA plans by premium and deductible
Each marker is the Lake average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Lake, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Lake
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Moda Health Plan, Inc. | 13 | $533/mo |
| PacificSource Health Plans | 9 | $480/mo |
| Regence BlueCross BlueShield of Oregon | 8 | $461/mo |
| Providence Health Plan | 4 | $538/mo |
| BridgeSpan Health Company | 3 | $517/mo |
All Plans in Lake
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Bronze Essential 9000 With 4 Copay No Deductible Office Visits Individual Connect Regence BlueCross BlueShield of Oregon | Expanded Bronze | EPO | $382.21 | $466.09 | $9,000 | $10,600 |
| Core Bronze HSA 8300 PacificSource Health Plans | Expanded Bronze | EPO | $392.00 | $478.00 | $8,300 | $8,300 |
| Core Bronze HSA 7500 PacificSource Health Plans | Expanded Bronze | EPO | $401.00 | $489.00 | $7,500 | $10,600 |
| Bronze 8000 Individual Connect Regence BlueCross BlueShield of Oregon | Expanded Bronze | EPO | $406.15 | $495.29 | $8,000 | $10,600 |
| Bronze HSA 7000 Individual Connect Regence BlueCross BlueShield of Oregon | Expanded Bronze | EPO | $408.72 | $498.41 | $7,000 | $8,300 |
| Regence Standard Bronze Plan Individual Connect Regence BlueCross BlueShield of Oregon | Expanded Bronze | EPO | $409.57 | $499.46 | $9,200 | $9,200 |
| PacificSource Oregon Standard Bronze HSA Plan Core PacificSource Health Plans | Expanded Bronze | EPO | $423.00 | $515.00 | $9,200 | $9,200 |
| Moda Health Affinity Bronze HDHP 7500 Moda Health Plan, Inc. | Expanded Bronze | EPO | $425.00 | $519.00 | $7,500 | $7,500 |
| BridgeSpan Standard Bronze Plan BridgeSpan Health Company | Expanded Bronze | EPO | $429.27 | $523.48 | $9,200 | $9,200 |
| Moda Health Affinity Bronze 9000 Moda Health Plan, Inc. | Expanded Bronze | EPO | $433.00 | $527.00 | $9,000 | $9,500 |
| Moda Health Affinity Bronze 8000 Moda Health Plan, Inc. | Expanded Bronze | EPO | $433.00 | $527.00 | $8,000 | $9,250 |
| Moda Health Oregon Standard Bronze Affinity Moda Health Plan, Inc. | Expanded Bronze | EPO | $434.00 | $529.00 | $9,200 | $9,200 |
| HSA-E Qualified 7500 Bronze - Signature Network Providence Health Plan | Expanded Bronze | EPO | $449.50 | $548.15 | $7,500 | $7,500 |
| Providence Oregon Standard Bronze Plan - Signature Network Providence Health Plan | Expanded Bronze | EPO | $482.60 | $588.50 | $9,200 | $9,200 |
| Silver 6500 Individual Connect Regence BlueCross BlueShield of Oregon | Silver | EPO | $452.15 | $551.39 | $6,500 | $10,150 |
| Core Silver 7500 PacificSource Health Plans | Silver | EPO | $456.00 | $556.00 | $7,500 | $8,400 |
| Regence Standard Silver Plan Individual Connect Regence BlueCross BlueShield of Oregon | Silver | EPO | $478.07 | $582.98 | $6,100 | $9,200 |
| Core Silver 4500 PacificSource Health Plans | Silver | EPO | $484.00 | $590.00 | $4,500 | $9,750 |
| PacificSource Oregon Standard Silver Plan Core PacificSource Health Plans | Silver | EPO | $486.00 | $593.00 | $6,100 | $9,200 |
| BridgeSpan Standard Silver Plan BridgeSpan Health Company | Silver | EPO | $501.05 | $611.01 | $6,100 | $9,200 |
| Moda Health Affinity Silver 6000 Moda Health Plan, Inc. | Silver | EPO | $511.00 | $623.00 | $6,000 | $8,250 |
| Moda Health Affinity Silver 4500 Moda Health Plan, Inc. | Silver | EPO | $525.00 | $640.00 | $4,500 | $8,000 |
| Moda Health Oregon Standard Silver Affinity Moda Health Plan, Inc. | Silver | EPO | $526.00 | $642.00 | $6,100 | $9,200 |
| Moda Health Affinity Silver 3400 Moda Health Plan, Inc. | Silver | EPO | $541.00 | $660.00 | $3,400 | $8,250 |
| Moda Health Affinity Silver 3000 Moda Health Plan, Inc. | Silver | EPO | $557.00 | $679.00 | $3,000 | $8,000 |
| Providence Oregon Standard Silver Plan - Signature Network Providence Health Plan | Silver | EPO | $564.50 | $688.40 | $6,100 | $9,200 |
| Core Gold 3000 PacificSource Health Plans | Gold | EPO | $525.00 | $640.00 | $3,000 | $8,000 |
| Gold 2300 Individual Connect Regence BlueCross BlueShield of Oregon | Gold | EPO | $557.49 | $679.84 | $2,300 | $10,150 |
| Core Gold 1500 PacificSource Health Plans | Gold | EPO | $576.00 | $703.00 | $1,500 | $9,300 |
| PacificSource Oregon Standard Gold Plan Core PacificSource Health Plans | Gold | EPO | $580.00 | $707.00 | $1,800 | $8,150 |
| Regence Standard Gold Plan Individual Connect Regence BlueCross BlueShield of Oregon | Gold | EPO | $591.70 | $721.55 | $1,800 | $8,150 |
| Moda Health Affinity Gold 1500 Moda Health Plan, Inc. | Gold | EPO | $614.00 | $749.00 | $1,500 | $7,900 |
| BridgeSpan Standard Gold Plan BridgeSpan Health Company | Gold | EPO | $620.14 | $756.25 | $1,800 | $8,150 |
| Moda Health Oregon Standard Gold Affinity Moda Health Plan, Inc. | Gold | EPO | $629.00 | $767.00 | $1,800 | $8,150 |
| Moda Health Affinity Gold 1000 Moda Health Plan, Inc. | Gold | EPO | $642.00 | $783.00 | $1,000 | $8,850 |
| Moda Health Affinity Gold 250 Moda Health Plan, Inc. | Gold | EPO | $653.00 | $797.00 | $250 | $8,500 |
| Providence Oregon Standard Gold Plan - Signature Network Providence Health Plan | Gold | EPO | $656.25 | $800.25 | $1,800 | $8,150 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $419/mo | $382 | $447 | 12 | 5 |
| 2023 | $439/mo | $383 | $479 | 12 | 5 |
| 2024 | $455/mo | $403 | $489 | 12 | 5 |
| 2025 | $484/mo | $429 | $535 | 12 | 5 |
| 2026 | $507/mo | $452 | $565 | 12 | 5 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Oregon
Hospital Quality Ratings
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Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Lake, OR?
There are 37 ACA marketplace plans available in Lake from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Lake?
Silver plans in Lake start at $452/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Lake?
The benchmark (second-lowest Silver) premium in Lake is $456/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Lake?
Average premiums in Lake changed by +16.7% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Lake?
The average annual deductible across all plans in Lake is $5,466, and the average out-of-pocket maximum is $8,876. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Lake?
There are 5 insurance issuers offering ACA marketplace plans in Lake, including Moda Health Plan, Inc., PacificSource Health Plans, Regence BlueCross BlueShield of Oregon, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
