ACA plans available
37
Plan year 2026
CMS Marketplace county · plan year 2026
Union, Oregon ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $560
- Silver avg/mo
- 37
- ACA plans
- 5
- Issuers
- +7.6%
- YoY premium
Silver avg $560/mo
Union, Oregon has 37 ACA marketplace plans from 5 issuers (plan year 2026). Average Silver premium is $560/mo; Bronze averages $478/mo and Gold $671/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1616 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $514/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Union, Oregon ranks #1,616 of 2,055 counties by listed Silver average ($560/mo) and #1,367 of 2,055 by plan count (37 plans).
- #1,616 of 2,055
- Silver average among 2,055 counties
- $560
- Listed Silver average /mo
- #1,367 of 2,055
- Plan count among 2,055 counties
- 37
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Union, Oregon offers 37 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $417/mo and Silver plans start at $485/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$560
Avg Silver Premium/mo
$514
Benchmark Premium/mo
+7.6%
Year-over-Year Change
$5,466
Avg Deductible
Lower-premium band
Union in the lower-premium third
$560/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1616 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $485–$667/mo. Every plan sold in Union is EPO -- there's no alternative network type in this county, so weigh EPO's referral rules and out-of-network coverage before enrolling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
14 plans$478/mo avg
$417 - $570
Silver
12 plans$560/mo avg
$485 - $667
Gold
11 plans$671/mo avg
$557 - $776
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Union is $514/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.
Issuers in market
5
Competitive market
Benchmark Silver
$514 /mo
Sets your subsidy ceiling
Avg deductible
$5,466
Across all metal tiers
C-
Marketplace Access Score
52/100
Union
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability B+
$514/mo
Benchmark Silver premium; rank #1616 of 2055 tracked counties (cheapest first)
Plan Choice F
37 plans
ACA marketplace plan count; rank #1367 of 2055 tracked counties (most first)
Issuer Competition B
5 issuers
Distinct marketplace issuers; rank #522 of 2055 tracked counties (most first)
Cost Predictability F
$5,466
Average deductible across tracked plans; rank #274 of 2055 tracked counties (lowest first)
Union ACA plans by premium and deductible
Each marker is the Union average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Union ACA marketplace plans: premium vs deductible
How Union's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Union vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$560 1616th of 2055 higher than 436 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Union
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Moda Health Plan, Inc. | 13 | $554/mo |
| PacificSource Health Plans | 9 | $510/mo |
| Regence BlueCross BlueShield of Oregon | 8 | $568/mo |
| Providence Health Plan | 4 | $636/mo |
| BridgeSpan Health Company | 3 | $637/mo |
All Plans in Union
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Core Bronze HSA 8300 PacificSource Health Plans | Expanded Bronze | EPO | $417.00 | $508.00 | $8,300 | $8,300 |
| Core Bronze HSA 7500 PacificSource Health Plans | Expanded Bronze | EPO | $426.00 | $520.00 | $7,500 | $10,600 |
| Moda Health Affinity Bronze HDHP 7500 Moda Health Plan, Inc. | Expanded Bronze | EPO | $443.00 | $540.00 | $7,500 | $7,500 |
| PacificSource Oregon Standard Bronze HSA Plan Core PacificSource Health Plans | Expanded Bronze | EPO | $449.00 | $547.00 | $9,200 | $9,200 |
| Moda Health Affinity Bronze 9000 Moda Health Plan, Inc. | Expanded Bronze | EPO | $450.00 | $549.00 | $9,000 | $9,500 |
| Moda Health Affinity Bronze 8000 Moda Health Plan, Inc. | Expanded Bronze | EPO | $450.00 | $549.00 | $8,000 | $9,250 |
| Moda Health Oregon Standard Bronze Affinity Moda Health Plan, Inc. | Expanded Bronze | EPO | $451.00 | $550.00 | $9,200 | $9,200 |
| Bronze Essential 9000 With 4 Copay No Deductible Office Visits Individual Connect Regence BlueCross BlueShield of Oregon | Expanded Bronze | EPO | $471.36 | $574.81 | $9,000 | $10,600 |
| Bronze 8000 Individual Connect Regence BlueCross BlueShield of Oregon | Expanded Bronze | EPO | $500.89 | $610.82 | $8,000 | $10,600 |
| Bronze HSA 7000 Individual Connect Regence BlueCross BlueShield of Oregon | Expanded Bronze | EPO | $504.06 | $614.67 | $7,000 | $8,300 |
| Regence Standard Bronze Plan Individual Connect Regence BlueCross BlueShield of Oregon | Expanded Bronze | EPO | $505.11 | $615.96 | $9,200 | $9,200 |
| BridgeSpan Standard Bronze Plan BridgeSpan Health Company | Expanded Bronze | EPO | $529.40 | $645.58 | $9,200 | $9,200 |
| HSA-E Qualified 7500 Bronze - Signature Network Providence Health Plan | Expanded Bronze | EPO | $531.20 | $647.80 | $7,500 | $7,500 |
| Providence Oregon Standard Bronze Plan - Signature Network Providence Health Plan | Expanded Bronze | EPO | $570.30 | $695.50 | $9,200 | $9,200 |
| Core Silver 7500 PacificSource Health Plans | Silver | EPO | $485.00 | $591.00 | $7,500 | $8,400 |
| Core Silver 4500 PacificSource Health Plans | Silver | EPO | $514.00 | $626.00 | $4,500 | $9,750 |
| PacificSource Oregon Standard Silver Plan Core PacificSource Health Plans | Silver | EPO | $516.00 | $629.00 | $6,100 | $9,200 |
| Moda Health Affinity Silver 6000 Moda Health Plan, Inc. | Silver | EPO | $532.00 | $649.00 | $6,000 | $8,250 |
| Moda Health Affinity Silver 4500 Moda Health Plan, Inc. | Silver | EPO | $547.00 | $667.00 | $4,500 | $8,000 |
| Moda Health Oregon Standard Silver Affinity Moda Health Plan, Inc. | Silver | EPO | $548.00 | $668.00 | $6,100 | $9,200 |
| Silver 6500 Individual Connect Regence BlueCross BlueShield of Oregon | Silver | EPO | $557.62 | $680.00 | $6,500 | $10,150 |
| Moda Health Affinity Silver 3400 Moda Health Plan, Inc. | Silver | EPO | $563.00 | $687.00 | $3,400 | $8,250 |
| Moda Health Affinity Silver 3000 Moda Health Plan, Inc. | Silver | EPO | $579.00 | $707.00 | $3,000 | $8,000 |
| Regence Standard Silver Plan Individual Connect Regence BlueCross BlueShield of Oregon | Silver | EPO | $589.58 | $718.97 | $6,100 | $9,200 |
| BridgeSpan Standard Silver Plan BridgeSpan Health Company | Silver | EPO | $617.92 | $753.54 | $6,100 | $9,200 |
| Providence Oregon Standard Silver Plan - Signature Network Providence Health Plan | Silver | EPO | $667.15 | $813.55 | $6,100 | $9,200 |
| Core Gold 3000 PacificSource Health Plans | Gold | EPO | $557.00 | $680.00 | $3,000 | $8,000 |
| Core Gold 1500 PacificSource Health Plans | Gold | EPO | $612.00 | $746.00 | $1,500 | $9,300 |
| PacificSource Oregon Standard Gold Plan Core PacificSource Health Plans | Gold | EPO | $616.00 | $751.00 | $1,800 | $8,150 |
| Moda Health Affinity Gold 1500 Moda Health Plan, Inc. | Gold | EPO | $639.00 | $779.00 | $1,500 | $7,900 |
| Moda Health Oregon Standard Gold Affinity Moda Health Plan, Inc. | Gold | EPO | $655.00 | $799.00 | $1,800 | $8,150 |
| Moda Health Affinity Gold 1000 Moda Health Plan, Inc. | Gold | EPO | $668.00 | $815.00 | $1,000 | $8,850 |
| Moda Health Affinity Gold 250 Moda Health Plan, Inc. | Gold | EPO | $680.00 | $829.00 | $250 | $8,500 |
| Gold 2300 Individual Connect Regence BlueCross BlueShield of Oregon | Gold | EPO | $687.53 | $838.42 | $2,300 | $10,150 |
| Regence Standard Gold Plan Individual Connect Regence BlueCross BlueShield of Oregon | Gold | EPO | $729.72 | $889.86 | $1,800 | $8,150 |
| BridgeSpan Standard Gold Plan BridgeSpan Health Company | Gold | EPO | $764.80 | $932.65 | $1,800 | $8,150 |
| Providence Oregon Standard Gold Plan - Signature Network Providence Health Plan | Gold | EPO | $775.55 | $945.75 | $1,800 | $8,150 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $458/mo | $417 | $508 | 12 | 5 |
| 2023 | $485/mo | $466 | $543 | 12 | 5 |
| 2024 | $509/mo | $484 | $597 | 12 | 5 |
| 2025 | $530/mo | $498 | $632 | 12 | 5 |
| 2026 | $560/mo | $485 | $667 | 12 | 5 |
What this means for Union
Use Union's own numbers here, not a national average, before you enroll.
- $560/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 37 plans from 5 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Union's Silver premium in the lower band?
Union ranks #1616 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $560/mo. See /methodology#corpus-placement.
How many ACA plans are available in Union, OR?
There are 37 ACA marketplace plans available in Union from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Union?
The lowest-premium plan in Union starts at $417/mo (Bronze tier, age 27). Silver plans start at $485/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Union?
The benchmark (second-lowest Silver) premium in Union is $514/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Union premiums rise +7.6% year-over-year?
The average age-27 premium in Union changed by +7.6% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Union?
The average annual deductible across all plans in Union 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 issuers compete in Union's crowded market?
There are 5 insurance issuers offering ACA marketplace plans in Union, 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Union, OR's $514/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Union, OR, both outside OR so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($514/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (5 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.