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Oregon · 2026 plan year

Gold health insurance plans in Oregon (2026)

There are 18 Gold plans on the Oregon Marketplace from 6 insurers, and they are not interchangeable — premiums run from $443 to $592 a month for the same metal tier. Here is what separates them.

18
Gold plans
6
Insurers
18
Counties covered
$443
Cheapest premium
$1,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Oregon Gold deductibles run 25% below the national median.

The median Gold deductible here is $1,500, against a $2,000 median across the 35 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

Oregon Gold premiums rank 10th cheapest of 35.

Averaged across all 18 plans, Gold coverage in Oregon costs $516 a month before subsidies — 10th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Gold plan costs in Oregon in 2026

Across all 18 Gold plans in Oregon, monthly premiums run from $443 to $592, averaging $516. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Oregon enrollees, often to a fraction of the sticker price.

Deductibles

Gold plan deductibles in Oregon

Gold deductibles in Oregon run from $0 to $2,300, with a median of $1,500 across the 7 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,264 because the spread is not symmetric. Some Oregon Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 11 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Gold out-of-pocket maximums in Oregon

Individual out-of-pocket maximums on Oregon Gold plans run from $7,900 to $10,150, with a median of $8,150. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Gold plans in Oregon

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
KP OR Gold 1750Kaiser Permanente$443$1,750 medical + $0 Rx (separate)$8,500
KP Oregon Standard Gold PlanKaiser Permanente$458$1,800 medical + $0 Rx (separate)$8,150
KP OR Gold 0Kaiser Permanente$472$0$8,200
Connect 1500 GoldProvidence Health Plan$476$1,500$9,000
Moda Health Affinity Gold 1500Moda Health Plan, Inc.$492$1,500$7,900

Showing 5 of 18. See all Oregon Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
Moda Health Plan, Inc.4$492$508$250–$1,500
Regence BlueCross BlueShield of Oregon4$493$528$2,300
Kaiser Permanente3$443$458$0
PacificSource Health Plans3$501$535—
Providence Health Plan3$476$526$1,500
BridgeSpan Health Company1$592$592—
Other tiers in Oregon

How Gold compares to the rest

Bronze
Avg $371 · from $334
22 plans
Silver
Avg $435 · from $395
19 plans
Gold
Avg $516 · from $443
18 plans · you are here

All OregonMarketplace plans →

Nearby on price

States with similar Gold premiums

Michigan
Avg $516
29 Gold plans
Utah
Avg $527
18 Gold plans
Wisconsin
Avg $531
89 Gold plans
Common questions

Oregon Gold plans, answered

What are the copays on Oregon Gold plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 18 Gold plans in Oregon, out-of-pocket maximums run $7,900 to $10,150, and deductibles on the 7 plans with one combined deductible run $0 to $2,300. The other 11 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Oregon?
Any Oregon Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $1,500 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on Oregon Gold plans?
Gold deductibles in Oregon run from $0 to $2,300 across the 7 plans with one combined deductible, with a median of $1,500 — that median is the figure closest to a typical plan. The other 11 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,900 to $10,150. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Oregon county?
Gold plans are sold in 18 Oregon counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Oregon?
Oregon uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Oregon start at $443 a month before any subsidy.

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