Oregon Open Enrollment 2027: Dates, Insurers and Rate Changes

By Michael Sprague, Licensed Health Insurance Agent · Reviewed by Heather Sprague, Licensed Health Insurance Agent

Oregon open enrollment runs from November 1, 2026 to January 15, 2027 on Explore Health, Oregon's new state-run marketplace. It replaces HealthCare.gov for Oregon this year. PacificSource and Providence are leaving, so four insurers remain, and approved rates are up about 21.6% on average before subsidies.

This guide covers the key dates, which insurers are selling plans in Oregon for 2027, how much rates are changing and how to keep your costs down. For free help comparing plans, call a licensed Vivna agent at 888-730-6031.

Key Dates for Oregon Open Enrollment

Date	What happens
November 1, 2026	Open enrollment starts on Explore Health
December 31, 2026	Last day to enroll for coverage starting January 1, 2027
January 15, 2027	Open enrollment ends. Plans picked January 1 to 15 start February 1
After January 15	You need a qualifying life event for a special enrollment period

Because Oregon moved to its own platform, check your account on Explore Health even if you plan to keep your coverage. PacificSource and Providence members will not be renewed into their old plans, so compare before December 31 to avoid a gap.

Which Insurers Sell Plans in Oregon for 2027

Oregon had six Marketplace insurers in 2026. Four remain for 2027:

Insurer	2027 status	Approved average rate change
BridgeSpan Health	Returning (statewide)	19.3%
Kaiser Permanente	Returning (11 counties)	15.8%
Moda Health	Returning (most counties)	27.0%
Regence BlueCross BlueShield of Oregon	Returning (statewide)	20.3%
PacificSource	Leaving	None
Providence Health Plan	Leaving	None

Plan choices vary by county. Kaiser sells in 11 counties and Moda sells in all but 8. Oregon regulators say every county will have at least three insurers. Enter your ZIP code on Explore Health, or have a licensed agent check it for you.

How Much Are Rates Going Up in Oregon

Oregon regulators approved average increases of 19.3% for BridgeSpan, 15.8% for Kaiser, 27.0% for Moda and 20.3% for Regence. The weighted average is about 21.6% before subsidies.

Oregon has run a reinsurance program since 2018, which keeps full-price premiums lower than they would be otherwise. If you are a Providence or PacificSource member, see our guide to PacificSource leaving the Marketplace and pick a new plan before December 31.

How Subsidies Work in Oregon for 2027

The enhanced federal subsidies that were in place from 2021 through 2025 expired. For 2027, premium tax credits are available to households with income from 100% to 400% of the federal poverty level that do not have access to affordable employer coverage. Above 400%, there is no subsidy.

Your subsidy is tied to the cost of the second-lowest-cost silver plan in your area. When that benchmark plan goes up, your subsidy usually goes up too. That is why some people see little change in what they pay, while people who earn too much for a subsidy pay the full increase.

If your income is near the 400% line, small changes can make a big difference. See our guide to the ACA subsidy cliff.

Medicaid in Oregon

Oregon expanded Medicaid through the Oregon Health Plan, which covers adults with income up to 138% of the federal poverty level with no premiums. OHP Bridge covers adults under 65 with income from 138% to 200% of the poverty level. Both are open all year.

How to Enroll in Oregon

• Gather your information: household members, Social Security numbers, income estimate for 2027 and current coverage details.
• Estimate your 2027 income carefully. Your subsidy is based on it, and you reconcile it at tax time.
• Compare plans: look at premiums, deductibles, out-of-pocket maximums, networks and drug lists, not just the monthly price.
• Check your doctors and prescriptions in each plan's network and formulary.
• Enroll on Explore Health or with a licensed agent at no extra cost.
• Pay your first premium to start coverage.

Ways to Lower Your Costs in Oregon

• Compare bronze, silver and gold plans. If your income is under 250% of the poverty level, a silver plan may give you cost-sharing reductions.
• Consider an HSA-eligible bronze plan if you are healthy and want a tax-free savings account.
• Add hospital indemnity or accident insurance to a lower-premium plan to cover big bills.
• Use our open enrollment checklist so you do not miss a step.

Missed Open Enrollment in Oregon

After January 15, you can only enroll in a Marketplace plan if you have a qualifying life event, such as losing other coverage, moving, getting married or having a baby. Medicaid enrollment is open all year. If you do not qualify for either, a licensed agent can walk you through dental, vision and supplemental plans you can buy any time. See how to buy health insurance after open enrollment.

Oregon Open Enrollment: FAQ

When is open enrollment in Oregon for 2027

November 1, 2026 to January 15, 2027 on Explore Health. Enroll by December 31 for coverage that starts January 1.

Do Oregonians still use HealthCare.gov

No. Starting with 2027 coverage, Oregon runs its own marketplace platform, Explore Health.

Which insurers are leaving Oregon

PacificSource and Providence Health Plan are leaving the individual market after 2026. BridgeSpan, Kaiser, Moda and Regence remain.

Are Oregon health insurance premiums going up in 2027

Yes. The approved weighted average increase is about 21.6% before subsidies, ranging from 15.8% for Kaiser to 27.0% for Moda.

Can I get a subsidy in Oregon

Yes, if your household income is between 100% and 400% of the federal poverty level and you do not have affordable job-based coverage. Adults under 138% usually qualify for Medicaid instead.

What if I miss the deadline

You need a qualifying life event, such as losing other coverage or moving, for a special enrollment period. Otherwise you wait for the next open enrollment.

Next Steps for Oregon open enrollment

Review your 2027 options before December 31, especially if your insurer is leaving or your rate is going up. Compare plans in your ZIP code and update your income estimate. See our national guide to open enrollment deadlines by state and our Oregon health insurance page.

Want a licensed agent to help? Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern, or request a free quote.

Sources

1. healthinsurance.org: Oregon Marketplace
2. ACASignups: Oregon 2027 rate changes
3. Georgetown CHIR: 2027 Marketplace rate filings
4. Insurance Business: Providence and PacificSource exit Oregon

Related Guides

• Open enrollment deadlines by state
• Open enrollment checklist
• ACA subsidy cliff
• Oregon health insurance

Vivna Insurance is a licensed independent agency, not a government website. Our help is free; we are paid by the insurance companies we work with. Coverage options, deadlines and costs vary by plan and state.