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KFF · Nov 3, 2025

Health insurance cost in Oregon

The benchmark silver Marketplace plan for a 40-year-old costs $543 a month in Oregon in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.

Health insurance cost
$543
a month
A year
$6,516
Rank
15 of 51
1 = cheapest; −13% vs U.S.
StateHealth insurance costRank
Arizona$53213
Hawaii$54114
Oregon$54315
New Jersey$54516
Colorado$55717
U.S.$625-

Source: KFF, Average Marketplace Premiums by Metal Tier, 2018-2026 (Nov 3, 2025). Average benchmark premium (second-lowest-cost silver plan) for a 40-year-old, monthly, before premium tax credits, plan year 2026; county-level benchmarks weighted by county plan selections; may include premiums for non-essential health benefits. Source: KFF analysis of Healthcare.gov, state rate review websites, state plan finder tools and state-provided data.

Common questions

How much is health insurance in Oregon?

The benchmark silver Marketplace plan for a 40-year-old costs $543 a month in Oregon in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.

Is health insurance in Oregon expensive?

Oregon ranks 15 of 51 (1 = cheapest). The U.S. average is $625 a month.

Add it to a full month with the budget by state tool.

More for Oregon: monthly budget · take-home pay · rent.