Oregon
Cheapest ACA plans in Eugene, Oregon for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Eugene is in Lane County, Oregon. 6 carriers sell 2026 ACA plans on Healthcare.gov for residents of Lane County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $468/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Lane County, including Eugene.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Eugene (Lane County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Lane County |
|---|---|---|
| Expanded Bronze | $468 | 19 |
| Silver | $562 | 16 |
| Gold | $613 | 15 |
The actual cheapest Bronze plan in Eugene
Moda Health Plan, Inc. Moda Health Affinity Bronze HDHP 7500
$468/moFor a family of four (two 40-year-olds and two kids under 14): Moda Health Plan, Inc. Moda Health Affinity Bronze HDHP 7500 at $1,403/month before subsidies.
Carriers selling 2026 plans in Eugene
6 carriers sell 2026 plans on Healthcare.gov for Lane County residents. 67 plans total in Lane County.
| Carrier | On-exchange plans |
|---|---|
| Moda Health | 13 |
| Kaiser Permanente | 9 |
| PacificSource Health Plans | 9 |
| Regence BlueCross BlueShield | 8 |
| Providence Health Plan | 8 |
| BridgeSpan Health Company | 3 |
What you'll actually pay in Eugene
Estimated monthly net premium for the cheapest Bronze plan above ($468/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Lane Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $467/mo | $1/mo |
| $40,000 | 256% | $277/mo | $191/mo |
| $60,000 | 383% | $66/mo | $402/mo |
| $100,000 | 639% | — | $468/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,123/mo | $280/mo |
| $130,000 | 404% | — | $1,403/mo |
| $200,000 | 622% | — | $1,403/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Eugene, Oregon for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Moda Health Plan, Inc. Moda Health Affinity Bronze HDHP 7500 at $468 per month before subsidies. Plans sell through Healthcare.gov. Eugene is in Lane County, Oregon; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Eugene's 2026 ACA pricing compare to other Oregon cities?
Cheapest Bronze for a 40-year-old in Eugene is $468 per month before subsidies. For comparison: Portland at $426/mo; Salem at $440/mo; Beaverton at $426/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Oregon use Healthcare.gov?
Yes. Oregon enrollment runs through healthcare.gov as a federally-facilitated Marketplace state, though Oregon operates some state-level Marketplace functions. Residents should apply and enroll at healthcare.gov for PY2026.
Has Oregon expanded Medicaid?
Yes, effective January 1, 2014, as the Oregon Health Plan (OHP). Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in Oregon.
What is Oregon's §1332 reinsurance waiver?
Oregon runs a state reinsurance program under a §1332 State Innovation Waiver, active since 2018. The program reimburses carriers for a portion of high-cost claims, which lowers on-exchange individual-market premiums for everyone. You do not apply for it separately; the lowered premium is already reflected in the quoted price on healthcare.gov.
More Oregon pricing
- Statewide Oregon pricing and metal tiers
- Portland pricingcheapest Bronze $426/mo
- Salem pricingcheapest Bronze $440/mo
- Beaverton pricingcheapest Bronze $426/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Oregon Division of Financial Regulation (DFR) for rate review, carrier filings, and consumer guidance.
- Oregon Health Plan (OHP): Oregon Health Authority for Medicaid expansion eligibility and enrollment.
- CMS §1332 Waivers: Oregon Reinsurance Program for the Oregon §1332 reinsurance waiver approval and renewal history.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.