Most people in Oregon get their health insurance through their employer. If you are not offered coverage through a job or a public program, such as the Oregon Health Plan (OHP) or Medicare, you may be eligible to enroll through Explore Health, Oregon’s health insurance marketplace, during the annual open enrollment period.
If you miss open enrollment, you may qualify for a special enrollment period if you experience a qualifying life event, such as getting married, having a baby, or involuntarily losing other coverage. This allows you to enroll or change plans mid-year, typically within 60 days after the date of your life event.
Oregon has a network of health coverage experts ready to help people enroll. You can find an expert in your area by going to
OregonHealthCare.gov/GetHelp or by calling the Oregon Health Insurance Marketplace at 855-268-3767 (toll-free).
Changes to individual health plans for 2027
Some health insurance plans offered in Oregon’s individual market in 2026 will not be available in 2027.
To help prevent a gap in coverage, the Oregon Health Insurance Marketplace has matched affected enrollees with a plan from another insurance company through a “crosswalk.” You can find these plan matches in the tables below. These plans may be used for automatic reenrollment if you do not choose a new plan.
To find your 2027 plan match and learn more about your coverage options, visit the
Oregon Health Insurance Marketplace's automatic reenrollment webpage. If you are matched to a new plan for 2027, you can still choose a different plan, if done during open enrollment.
We encourage consumers whose plans are changing to review and compare their 2027 coverage options before enrolling. Pay close attention to provider network changes.
You can now get an early look at health coverage options for 2027 with the launch of the Explore Health Plan Guide, a new online tool designed to help people prepare for open enrollment. The plan guide helps users explore individual health and dental plans available in their area and compare costs, benefits, and coverage. Users can also enter their prescription medications and doctors to find which plans may best meet their health needs. The tool also provides an assessment for potential eligibility for Oregon Health Plan (OHP) benefits and financial help through the Marketplace, including an estimate of the amount of financial assistance someone may qualify for. To explore the plan guide or learn more about open enrollment, visit
ExploreHealthOR.gov. Buying health insurance for yourself and your family can be confusing. Explore Health offers an
easy-to-use tool to help you preview the coverage options and savings available to you. Enrollment partners are available to guide you through the application and enrollment process. Learn more at
ExploreHealthOR.gov. Local licensed agents are also available to help with Marketplace enrollment or obtaining coverage directly with an insurance company. You must go through the Marketplace to receive financial assistance.
Key health insurance rules
Under federal and Oregon law:
- People with preexisting health conditions will not be denied coverage or charged more to be enrolled.
- Insurance companies and employers that offer dependent coverage to children must cover adult children up to age 26, regardless of whether they are married or have coverage available through an employer.
- While small employers do not have to offer insurance, large employers with 50 or more full-time equivalent employees must offer health coverage or pay a penalty.
- You are protected when you receive either covered out-of-network emergency services, including ground and air ambulance services, or covered nonemergency services provided by an out-of-network provider at an in-network facility.
Help paying for health insurance
If you do not have access to affordable coverage through a job or a public medical program, you likely qualify for financial help through Oregon's Health Insurance Marketplace, Explore Health.
There are two types of financial help available: premium tax credits to help pay the monthly premium and assistance with out-of-pocket costs such as deductibles and copays.
Find out how much you can save on health coverage at ohim.checkbookhealth.org.
Buyer beware
- To help avoid scams, we encourage you to work with local licensed agents or the Oregon Health Insurance Marketplace (Explore Health).
- Key items to look for that you are not being sold an Affordable Care Act-compliant health plan:
- No network
- Being required to sign a document that states you are a limited partner or employee
- Being sold ancillary, or additional policies, in addition to health insurance coverage
- Statements that you are not purchasing insurance but sharing expenses
- Read all documents thoroughly before signing