Oregon
Cheapest ACA plans in Portland, Oregon for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Portland is in Multnomah County, Oregon. 6 carriers sell 2026 ACA plans on Healthcare.gov for residents of Multnomah County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $426/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Multnomah County, including Portland.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Portland (Multnomah 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 Multnomah County |
|---|---|---|
| Expanded Bronze | $426 | 22 |
| Silver | $505 | 19 |
| Gold | $566 | 18 |
The actual cheapest Bronze plan in Portland
Providence Health Plan Connect 9800 Bronze
$426/moFor a family of four (two 40-year-olds and two kids under 14): Providence Health Plan Connect 9800 Bronze at $1,277/month before subsidies.
Carriers selling 2026 plans in Portland
6 carriers sell 2026 plans on Healthcare.gov for Multnomah County residents. 79 plans total in Multnomah County.
| Carrier | On-exchange plans |
|---|---|
| Regence BlueCross BlueShield | 14 |
| Moda Health | 13 |
| Providence Health Plan | 11 |
| Kaiser Permanente | 9 |
| PacificSource Health Plans | 9 |
| BridgeSpan Health Company | 3 |
What you'll actually pay in Portland
Estimated monthly net premium for the cheapest Bronze plan above ($426/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Multnomah 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% | $414/mo | $12/mo |
| $40,000 | 256% | $224/mo | $202/mo |
| $60,000 | 383% | $13/mo | $413/mo |
| $100,000 | 639% | — | $426/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% | $965/mo | $312/mo |
| $130,000 | 404% | — | $1,277/mo |
| $200,000 | 622% | — | $1,277/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 Portland, Oregon for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Providence Health Plan Connect 9800 Bronze at $426 per month before subsidies. Plans sell through Healthcare.gov. Portland is in Multnomah County, Oregon; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
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
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.