Health Insurance Plans in Deschutes County, Oregon (2026)
41 ACA marketplace (Obamacare) plans are available in Deschutes County, OR, from 5 insurers. The cheapest plan starts at $413.94/month before subsidies.
That ranks 6th lowest of the 16 county areas we track in Oregon, right at the statewide median of $416.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Bend, Redmond, Sisters and La Pine.
41
Plans Available
$413.94
Cheapest Plan/mo
5
Insurers
Explore Health
Exchange
Insurers With the Cheapest Plans in Deschutes
Plans Available in Deschutes
Sorted by monthly premium · 30-year-old · Before subsidies
Regence BlueCross BlueShield of Oregon Bronze Essential 9000 With 4 Copay No Deductible Office Visits Individual Connect
Regence BlueCross BlueShield of Oregon
$413.94/mo
Ded: $9,000
PacificSource Health Plans Core Bronze HSA 8300
PacificSource Health Plans
$425/mo
Ded: $8,300
PacificSource Health Plans Core Bronze HSA 7500
PacificSource Health Plans
$435/mo
Ded: $7,500
Regence BlueCross BlueShield of Oregon Bronze 8000 Individual Connect
Regence BlueCross BlueShield of Oregon
$439.87/mo
Ded: $8,000
Regence BlueCross BlueShield of Oregon Bronze HSA 7000 Individual Connect
Regence BlueCross BlueShield of Oregon
$442.65/mo
Ded: $7,000
Regence Standard Bronze Plan Individual Connect
Regence BlueCross BlueShield of Oregon
$443.57/mo
Ded: $9,200
PROVIDENCE HEALTH PLAN HSA-E Qualified 7500 Bronze - Choice Network
PROVIDENCE HEALTH PLAN
$455.15/mo
Ded: $7,500
PacificSource Oregon Standard Bronze HSA Plan Core
PacificSource Health Plans
$458/mo
Ded: $9,200
Average Premiums in Deschutes
Avg Bronze Plan
$459/mo
16 plans
Avg Silver Plan
$551/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Deschutes
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 16 | $8,650 | $7,000–$9,200 | $9,200 |
| Silver | 13 | $6,100 | $3,000–$7,500 | $9,200 |
| Gold | 12 | $1,800 | $250–$3,000 | $8,150 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Deschutes County
Adults in Deschutes County earning up to 200% of the poverty level ($31,920 a year for one person) usually enroll in OHP Bridge instead of a tax-credit plan.
Medicaid: Oregon expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
Oregon adds its own help: OHP Bridge. Who qualifies
Nearby Counties in Oregon
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More Oregon Health Insurance Guides
Health Insurance in Oregon
Compare Oregon's lowest-premium plans. See how Deschutes's $413.94/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for Deschutes to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in Oregon
What is the health insurance marketplace in Oregon?
The Oregon (OR) health insurance marketplace is Explore Health (https://healthcare.oregon.gov/explorehealth/pages/home.aspx), a state-based ACA exchange where residents compare and enroll in qualified health plans. Policymage lists 41 plans with live premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Oregon?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Oregon start from $413.94/month before subsidies.
Which Medicaid plan is best in Oregon?
There is no single "best" Medicaid plan in Oregon. Medicaid is administered through MCOs such as Regence BlueCross BlueShield of Oregon, PacificSource Health Plans, Providence Health Plan. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$22,025/year for an individual) is separate from ACA Marketplace plans at Explore Health. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Oregon?
Short-term health insurance is sold outside the ACA Marketplace in Oregon by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at Explore Health during Open Enrollment (November 1 to January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in OR?
Health insurance in OR starts as low as $413.94/month for a 30-year-old on a Bronze plan before subsidies. Most Oregon residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in OR for 2027?
The cheapest ACA option in OR for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Oregon plans and prices at policymage.com/get-quotes.
How do I get health insurance in Oregon?
To get health insurance in Oregon, enroll in an ACA Marketplace plan through Explore Health during Open Enrollment, which runs November 1 through January 15. Plans start at $413.94/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Oregon?
There is no single best health insurance plan in Oregon; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 41 Oregon plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Oregon per month?
Health insurance in Oregon starts at $413.94 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Oregon?
Free or near-free coverage in Oregon comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for Oregon residents on lower incomes.
When does Open Enrollment end in Oregon for ACA plans?
Open Enrollment for Oregon residents runs from November 1 through January 15. Oregon runs its own exchange (Explore Health), which set the January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in Oregon?
Health insurance in Oregon starts as low as $413.94/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many Oregon residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Oregon use HealthCare.gov or its own state exchange?
Oregon runs its own state-based Marketplace called Explore Health (https://healthcare.oregon.gov/explorehealth/pages/home.aspx). You enroll there directly, not at HealthCare.gov. Plan offerings, enrollment dates, and customer support are managed by Oregon, not the federal government.
Has Oregon expanded Medicaid under the ACA?
Yes. Oregon has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $22,025/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window; you can apply year-round.
What are the income limits for ACA subsidies in Oregon?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the Explore Health subsidy calculator for your exact estimate.
Does Oregon have its own health insurance subsidy?
Yes. OHP Bridge: Adults with income from 138% to 200% of the poverty level can get OHP Bridge, Oregon's no-premium coverage for medical, dental and mental health care. This is in addition to the federal premium tax credit.
What are the metal tiers in Oregon (Bronze, Silver, Gold, Platinum)?
Oregon ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Oregon?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Oregon through Explore Health. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Oregon ACA plans cover dental and vision?
Oregon ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most Oregon plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through Explore Health or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Oregon?
Outside Open Enrollment, Oregon residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through Explore Health.
How do I find in-network doctors and hospitals in Oregon?
Each Oregon ACA plan has its own provider network. Before enrolling, look up the plan on Explore Health, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Deschutes
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