Oregon · 2026 plan year
Gold health insurance plans in Oregon
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
$1,639
Average 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 premiums rank 8th cheapest of 30.
Averaged across all 18 plans, Gold coverage in Oregon costs $516 a month before subsidies — 8th lowest of the 30 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.
Lowest premiums
The cheapest Gold plans in Oregon
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| KP OR Gold 1750Kaiser Permanente | $443 | $1,750 | $8,500 |
| KP Oregon Standard Gold PlanKaiser Permanente | $458 | $1,800 | $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
| Insurer | Gold plans | Cheapest | Tier average |
|---|---|---|---|
| Moda Health Plan, Inc. | 4 | $492 | $508 |
| Regence BlueCross BlueShield of Oregon | 4 | $493 | $528 |
| Kaiser Permanente | 3 | $443 | $458 |
| PacificSource Health Plans | 3 | $501 | $535 |
| Providence Health Plan | 3 | $476 | $526 |
| BridgeSpan Health Company | 1 | $592 | $592 |
Other tiers in Oregon
How Gold compares to the rest
Nearby on price
States with similar Gold premiums
Common questions
Oregon Gold plans, answered
What are the copays on a Oregon Gold plan?
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. Across the 18 Gold plans in Oregon, deductibles average $1,639 and the out-of-pocket maximum averages $8,542. 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 — averaging $1,639 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 a Oregon Gold plan?
The average across all 18 Gold plans in Oregon is $1,639, with an average out-of-pocket maximum of $8,542. The range within the 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 Oregon Marketplace plan?
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.
Stop comparing sticker prices.
See what you would actually pay.
Simplivera simulates a full year of your real costs across all 18 Oregon Gold plans.
Estimate my costs — it’s free →