Oregon ACA Health Insurance
36 counties, 6 issuers, 59 plans
Premium Range
Premiums in Oregon range from $350/mo to $803/mo (age 27 base rate).
Reading the Oregon Marketplace
The ACA marketplace in Oregon lists 59 plans from 6 issuers spread across 36 counties. The statewide average premium is $529/mo for a 27-year-old, $645/mo at age 40, and $1,369/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $350 at the low end to $803 at the high end, before subsidies.
Geography drives most of the within-state variation: Crook posts the highest Silver average at $565/mo, while Clackamas sits at $457/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,472, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Oregon (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Oregon ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Crook | $565/mo | 41 | 5 |
| 2 | Jefferson | $565/mo | 41 | 5 |
| 3 | Baker | $560/mo | 37 | 5 |
| 4 | Gilliam | $560/mo | 37 | 5 |
| 5 | Grant | $560/mo | 37 | 5 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Clackamas | $457/mo | 59 | 6 |
| 2 | Multnomah | $457/mo | 59 | 6 |
| 3 | Washington | $457/mo | 59 | 6 |
| 4 | Yamhill | $460/mo | 53 | 6 |
| 5 | Marion | $491/mo | 56 | 6 |
All Counties in Oregon
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Baker | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Benton | $504 | N/A | $595 | 50 | 6 | +17.5% |
| Clackamas | $457 | N/A | $542 | 59 | 6 | +18.2% |
| Clatsop | $558 | N/A | $670 | 41 | 5 | +17.6% |
| Columbia | $534 | N/A | $635 | 52 | 6 | +17.5% |
| Coos | $556 | N/A | $670 | 37 | 5 | +17.1% |
| Crook | $565 | N/A | $676 | 41 | 5 | +17.7% |
| Curry | $556 | N/A | $670 | 37 | 5 | +17.1% |
| Deschutes | $508 | N/A | $605 | 41 | 5 | +17.3% |
| Douglas | $542 | N/A | $651 | 41 | 5 | +17.7% |
| Gilliam | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Grant | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Harney | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Hood River | $540 | N/A | $637 | 53 | 6 | +17.2% |
| Jackson | $542 | N/A | $651 | 41 | 5 | +17.7% |
| Jefferson | $565 | N/A | $676 | 41 | 5 | +17.7% |
| Josephine | $542 | N/A | $652 | 37 | 5 | +17.2% |
| Klamath | $507 | N/A | $604 | 37 | 5 | +16.7% |
| Lake | $507 | N/A | $604 | 37 | 5 | +16.7% |
| Lane | $504 | N/A | $595 | 50 | 6 | +17.5% |
| Lincoln | $558 | N/A | $670 | 41 | 5 | +17.6% |
| Linn | $504 | N/A | $595 | 50 | 6 | +17.5% |
| Malheur | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Marion | $491 | N/A | $580 | 56 | 6 | +15.1% |
| Morrow | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Multnomah | $457 | N/A | $542 | 59 | 6 | +18.2% |
| Polk | $497 | N/A | $584 | 50 | 6 | +15.7% |
| Sherman | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Tillamook | $556 | N/A | $670 | 37 | 5 | +17.1% |
| Umatilla | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Union | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Wallowa | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Wasco | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Washington | $457 | N/A | $542 | 59 | 6 | +18.2% |
| Wheeler | $560 | N/A | $671 | 37 | 5 | +17.3% |
| Yamhill | $460 | N/A | $544 | 53 | 6 | +18.0% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Oregon
The Affordable Care Act marketplace in Oregon offers 59 health insurance plans from 6 issuers across 36 counties. Premiums vary significantly by geography: the most expensive county (Crook) averages $565/mo for a Silver plan, while the most affordable (Clackamas) averages $457/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,472, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
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Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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