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Oregon · 2026 plan year

Silver health insurance plans in Oregon (2026)

There are 19 Silver plans on the Oregon Marketplace from 6 insurers, and they are not interchangeable — premiums run from $395 to $490 a month for the same metal tier. Here is what separates them.

19
Silver plans
6
Insurers
18
Counties covered
$395
Cheapest premium
$4,500
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 Silver deductibles run 25% below the national median.

The median Silver deductible here is $4,500, against a $5,975 median across the 35 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

Oregon Silver premiums rank 5th cheapest of 35.

Averaged across all 19 plans, Silver coverage in Oregon costs $435 a month before subsidies — 5th 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 Silver plan costs in Oregon in 2026

Across all 19 Silver plans in Oregon, monthly premiums run from $395 to $490, averaging $435. 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

Silver plan deductibles in Oregon

Silver deductibles in Oregon run from $3,000 to $7,500, with a median of $4,500 across the 11 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 $4,991 because the spread is not symmetric. The other 8 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

Silver out-of-pocket maximums in Oregon

Individual out-of-pocket maximums on Oregon Silver plans run from $8,000 to $10,150, with a median of $9,200. 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 Silver plans in Oregon

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Connect 6000 SilverProvidence Health Plan$395$6,000$10,000
Silver 6500 LegacyRegence BlueCross BlueShield of Oregon$399$6,500$10,150
KP Oregon Standard Silver PlanKaiser Permanente$405$6,100 medical + $0 Rx (separate)$9,200
Moda Health Affinity Silver 6000Moda Health Plan, Inc.$409$6,000$8,250
KP OR Silver 4000Kaiser Permanente$413$4,000$8,600

Showing 5 of 19. See all Oregon Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Moda Health Plan, Inc.5$409$426$3,000–$6,000
Regence BlueCross BlueShield of Oregon4$399$427$6,500
Kaiser Permanente3$405$414$3,000–$4,000
PacificSource Health Plans3$435$453$4,500–$7,500
Providence Health Plan3$395$448$6,000
BridgeSpan Health Company1$478$478—
Other tiers in Oregon

How Silver compares to the rest

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

All OregonMarketplace plans →

Nearby on price

States with similar Silver premiums

South Carolina
Avg $431
53 Silver plans
Hawaii
Avg $456
4 Silver plans
Iowa
Avg $459
41 Silver plans
Common questions

Oregon Silver plans, answered

What are the copays on Oregon Silver 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 19 Silver plans in Oregon, out-of-pocket maximums run $8,000 to $10,150, and deductibles on the 11 plans with one combined deductible run $3,000 to $7,500. The other 8 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 Silver plan in Oregon?
Anyone eligible to buy Marketplace coverage in Oregon can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($435 a month on average) is higher than Gold in some states.
What is the deductible on Oregon Silver plans?
Silver deductibles in Oregon run from $3,000 to $7,500 across the 11 plans with one combined deductible, with a median of $4,500 — that median is the figure closest to a typical plan. The other 8 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $8,000 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 Silver plans available in my Oregon county?
Silver 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 Silver premiums in Oregon start at $395 a month before any subsidy.

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