November 1, 2026
Explore Health enrollment for 2027 is now open.
2027 Open Enrollment & Coverage Choices
Oregon Health Insurance for 2027
Oregon's 2027 Open Enrollment is underway through Explore Health. Whether you're renewing coverage, comparing plans for your family, or considering a different insurer, review the costs, doctors, prescriptions, and networks that matter before choosing a plan.
January 15, 2027
2027 Open Enrollment ends.
January 1 coverage
Enroll by December 31, 2026 for coverage starting January 1, 2027.
Reviewing your health insurance for 2027?
Whether your plan is changing or you are comparing new coverage, I can help you review available plans, including doctors, prescriptions, financial assistance, and total costs.
Which 2027 change affects you?
- My insurance company or plan is changing — understand carrier departures and plan matches.
- I received an Explore Health notice — learn how to claim your account and review coverage.
- I need to check financial assistance — review 2027 subsidy eligibility and income considerations.
- I have questions about OHP changes — understand work/activity requirements and potential transitions.
2027 Marketplace overview
Oregon now uses Explore Health for individual and family Marketplace coverage. For account access or step-by-step transition guidance, see the Explore Health guide.
If you enroll January 1–15, 2027, coverage generally begins February 1, 2027. See the enrollment dates above.
What about 2027 health insurance premiums?
Oregon approved an average rate increase of 21.6% for individual health insurance plans in 2027. This is a market-wide average, not necessarily the increase you will see for your own plan. Your actual premium depends on your insurer, plan, household circumstances, and any available financial assistance. If you are matched with a different plan or insurer, your costs may change for other reasons as well. Compare premiums after financial assistance alongside deductibles, provider networks, prescriptions, and other out-of-pocket costs before renewing.
Moving from HealthCare.gov? If you had Marketplace coverage through HealthCare.gov in 2026, see the step-by-step Explore Health transition guidance, including how to claim your new account and what to review during Open Enrollment.
New 2027 immigration rules for financial assistance: Beginning January 1, 2027, Marketplace savings for noncitizens are limited to certain immigration statuses. Other lawfully present people may still be able to enroll without savings. Review 2027 financial assistance eligibility.
Your 2027 plan may be different
Some individual-market plans offered in Oregon for 2026 will not be available in 2027. If your current plan is ending, Explore Health may automatically match you with a similar plan, including a plan from a different insurance company, to help prevent a gap in coverage.
Review the match before relying on it. A crosswalk or automatic re-enrollment keeps coverage moving forward, but your doctors, prescriptions, benefits, premiums, and other costs may be different. Compare the available 2027 options before deciding what coverage to keep.
Received a notice that your 2026 plan is ending? Providence and PacificSource are leaving Oregon's individual market for 2027, and Moda is leaving several counties, including Marion and Polk. See the detailed carrier, crosswalk, and provider-network guidance.
Check the specific replacement plan
A plan match may have different doctors, prescriptions, or out-of-pocket costs. Review the actual network and benefits before accepting your renewal.
A broad view of the Marketplace. I've spent 15 years helping Oregonians navigate coverage changes and I'm contracted with every insurance company offering Marketplace coverage in Oregon for 2027, so we can compare the options available in your area.
Before you enroll or renew
Confirm that your household and income information are current in Explore Health, and review any plan match carefully. If you need a detailed comparison of costs and provider networks, use the 2027 plan comparison guide.
2027 guidance updated November 14, 2026. Confirm current application details with the official Marketplace.
Sources: Oregon enrollment dates, Explore Health renewal guidance, and Oregon DFR 2026–2027 plan crosswalk guidance.
Review financial assistance for 2027
New federal premium tax credit eligibility rules affect certain lawfully present immigrants in 2027. Income, household circumstances, and employer coverage can also change your savings. Learn about 2027 financial assistance.