Oregon
Cheapest ACA plans in Clackamas County, Oregon for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Clackamas County, Oregon has 6 on-exchange carriers offering 59 plans 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.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Clackamas 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 Clackamas County |
|---|---|---|
| Expanded Bronze | $426 | 22 |
| Silver | $505 | 19 |
| Gold | $566 | 18 |
The actual cheapest Bronze plan in Clackamas County
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 Clackamas County
6 carriers sell 2026 plans on Healthcare.gov. 79 plans total in this 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 Clackamas County
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 Clackamas 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% | $412/mo | $14/mo |
| $40,000 | 256% | $222/mo | $204/mo |
| $60,000 | 383% | $11/mo | $415/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% | $1,068/mo | $209/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 Clackamas County, 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. 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.