2027 INDIVIDUAL & FAMILY HEALTH INSURANCE
Important Changes Are Coming
Two carriers are leaving Oregon’s individual market, provider networks are changing, and Oregon is launching a new enrollment marketplace. We are here to help you compare coverage that fits your providers, prescriptions, budget, and family.
Who Is Exiting the Market?
Many Oregonians will need to select a different carrier for 2027—even if they are happy with their current plan.
EXITING FOR 2027
Providence Health Plan
Providence will not offer individual or family coverage in Oregon for 2027. Current members will need to move to a different carrier.
EXITING FOR 2027
PacificSource
PacificSource will not offer individual or family coverage in Oregon for 2027. Current members will need to move to a different carrier.
Moda is also leaving eight counties: Crook, Deschutes, Klamath, Lake, Marion, Polk, Umatilla, and Union.
Carriers Offering 2027 Coverage
Availability depends on your home ZIP code and county. Click a carrier to visit its individual coverage website.
Local Hospital Network Snapshot
| Carrier | OHSU | Legacy | Adventist | Providence Hospitals |
|---|---|---|---|---|
| Moda | Yes | Yes | Yes | No |
| Regence | No | Yes | Yes | Verify by plan and location |
Always verify before enrolling. Individual-plan networks differ from employer-group networks. Both the facility and individual provider must be checked with the exact plan.
EXPLORE HEALTH OREGON
Oregon Is Launching Its Own Marketplace
Beginning with 2027 coverage, Oregon will use Explore Health Oregon instead of HealthCare.gov. The new platform is scheduled to be available by November 1, 2026.
Your current Marketplace application information is expected to transfer from HealthCare.gov to Oregon. You will receive instructions for accessing your account and completing your renewal.
What If My Carrier Is Leaving?
Oregon has matched affected members with another 2027 plan to help prevent a coverage gap. If you do not actively select a plan, the matched plan may be used for automatic re-enrollment.
A mapped plan is a safety net—not necessarily your best choice. The provider network, prescriptions, premium, deductible, and copays may all be different.
- Check doctors, specialists, hospitals, and clinics.
- Check prescriptions, dosages, restrictions, and pharmacies.
- Compare the premium after any tax credit.
- Compare deductibles, copays, coinsurance, and maximum out-of-pocket costs.
Premium Tax Credits and 2027 Income
The enhanced premium tax credits available in recent years ended after 2025. Your 2027 assistance depends on the rules in effect, household size, tax-filing status, and your best estimate of income from January through December 2027.
Marketplace assistance generally uses Modified Adjusted Gross Income (MAGI). A useful starting point is line 11 of Form 1040, with certain amounts added back.
Income commonly includes:
- Wages, tips, bonuses, and commissions
- Net business or self-employment income
- Unemployment compensation
- Social Security, including the non-taxable portion
- Pension and taxable retirement distributions
It also commonly includes:
- Interest, dividends, and capital gains
- Net rental or royalty income
- Tax-exempt interest
- Excluded foreign earned income
- Other taxable household income
Child support, gifts, SSI, and qualified loan proceeds generally do not count. Tell us if your expected 2027 income changes.
ACA Protections Continue
- Essential health benefits
- In-network preventive care without cost sharing
- Protection for pre-existing conditions
- An annual limit on covered, in-network costs
- Potential premium tax credits for eligible households
Start With a 2027 Information Session
Learn about carrier exits, networks, Oregon’s new marketplace, tax-credit basics, and what to prepare before your individual appointment.
Carrier availability, networks, prescriptions, premiums, and enrollment rules can change. Verify all information for the exact 2027 plan before enrollment.