November 1, 2026
Explore Health opens for 2027 Marketplace enrollment.
2027 Coverage Year Changes
Oregon Health Insurance for 2027
Start here if you're trying to understand what is changing with Oregon Marketplace coverage for 2027, including the move from HealthCare.gov to Explore Health.
January 15, 2027
2027 Open Enrollment ends.
January 1 coverage
Enroll by December 31, 2026 for coverage starting January 1, 2027.
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
For 2027, Oregon's individual and family Marketplace coverage moves to Explore Health. This page is the annual overview of enrollment dates, renewal and plan changes, and the coverage details worth reviewing. For account claiming and step-by-step platform transition guidance, use the Explore Health guide.
2027 Open Enrollment: November 1, 2026 through January 15, 2027. Enroll by December 31, 2026 for coverage beginning January 1, 2027.
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 beginning November 1.
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.
A similar plan isn't necessarily the same plan
If your coverage is changing, we'll look beyond the monthly premium. We can compare the Marketplace options available in your area and review doctors and hospitals, prescriptions, benefits, deductibles, and expected out-of-pocket costs before you decide what to keep.
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.
What should you do?
- Review your current plan and any 2027 plan match before renewal.
- Confirm your household size and expected income information.
- Check doctors, hospitals, prescriptions, premiums, and cost sharing.
- Review available financial assistance through the Marketplace application.
- Don't assume your current plan is still the best fit just because it is available for renewal.
Last reviewed October 5, 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.
Want help comparing 2027 plans?
I can review your available plans, providers, prescriptions, financial assistance and expected costs with you before you decide.
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.