Already had Marketplace coverage?
Claim the Explore Health account created for you, then return during Open Enrollment to review your application and 2027 coverage.
Oregon's Health Insurance Marketplace
Explore Health Oregon: What Changes for 2027
Start here if you're trying to understand Oregon's new Explore Health Marketplace, an Explore Health notice or account, or what you need to do for 2027 coverage.
Matthew Woodbridge Insurance
Matthew Woodbridge is an Official Enrollment Partner of Explore Health. I provide local, licensed insurance-agent assistance with Marketplace applications, plan comparisons, enrollment, and coverage changes.
The 2027 transition
HealthCare.gov is no longer Oregon's Marketplace enrollment platform for 2027
Beginning with 2027 coverage, Oregonians use Explore Health to apply, update Marketplace information, compare plans, and enroll. Open Enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 31 for coverage beginning January 1.
Review before you renew
Your plan, insurance company, provider network, prescriptions, premium, financial help, or other costs can change for 2027.
Need help comparing plans?
As a licensed Oregon insurance agent and Official Enrollment Partner, I can help with the application, eligibility questions, plan comparison, and enrollment.
Explore Health is the official Marketplace. Matthew Woodbridge Insurance is an independent Oregon insurance agency and Official Enrollment Partner. Through enrolloregon.com, Matthew provides licensed-agent assistance with Explore Health enrollment and plan selection.
If you had HealthCare.gov coverage in 2026
Received an Explore Health email or letter?
Yes, these welcome notices are legitimate. Explore Health is contacting people who previously enrolled through HealthCare.gov with instructions for claiming the Explore Health account created for them. You do not need to start a new Marketplace application from scratch.
1. Now
Claim your Explore Health account
Use the unique access code in your email or letter. At the Explore Health enrollment site, select “Received a letter from us? Claim your account” and then “Register with access code.”
2. After you claim it
You're set for now
Claiming your account gives you access to your secure Explore Health inbox and lets you check your contact information and communication preferences. Explore Health says that after you claim the account, you're all set for now.
3. Beginning November 1
Review your 2027 coverage
Log back in during Open Enrollment to check your household information, update any changes, confirm your expected 2027 income, and review your renewal coverage and other available plans.
Claiming your account is only the first step
Your renewal or replacement plan may not be the best choice for 2027. I can help you review your premium, financial assistance, doctors, prescriptions, plan changes, and other options before you make your coverage decision.
Already my client? I'll be happy to help you review your 2027 renewal. Not currently working with an agent? I can help you understand your options and navigate the Explore Health transition.
Did you also receive a notice that your current insurance plan is changing or ending for 2027? That is separate from Oregon's move to Explore Health. Some insurance companies and plans are changing for 2027, even though the Marketplace transition is designed to maintain coverage.
Understand 2027 plan changes →
Understand 2027 plan changes →
Don't have your welcome notice? Contact me first. I can help you determine the appropriate next step and whether you need to contact Explore Health directly.
Get ready
Information that's useful to have available
You don't need to have everything figured out before contacting me. For an application or renewal, it helps to have information about your household, expected income, current coverage, employer coverage available to household members, and the doctors and prescriptions you want considered when comparing plans.
If Explore Health asks you for verification documents, the exact documents depend on what needs to be verified. I can help identify what the Marketplace is asking for and how to submit it.
Useful official Explore Health links
How I can help
Explore Health is the platform. My role is helping you make sense of the coverage decision.
I've spent 15 years helping Oregonians navigate health coverage changes, and I'm contracted with every insurance company offering Marketplace coverage in Oregon for 2027. That lets us compare the Marketplace options available in your area when a plan, insurer, network, or cost changes.
As a licensed insurance agent and Official Enrollment Partner, I can help with more than account access—especially when eligibility, income, provider networks, prescriptions, or a coverage transition makes the application more complicated.
Application & eligibility
Work through household, income, employer-coverage, and other application questions and identify documentation Explore Health may request.
Plan comparison
Compare plan costs, doctors, facilities, prescriptions, and coverage details based on how your household actually uses care.
Transitions & changes
Get help when you're losing job-based coverage, moving between OHP and Marketplace coverage, self-employed, or dealing with another qualifying life event.
Beginning November 1
Review your information before relying on a renewal
If you are currently enrolled through HealthCare.gov, your coverage may be automatically renewed for 2027 through Explore Health. If your current plan is no longer offered, Explore Health may match you with a similar plan, including one from a different insurance company. A matched plan helps maintain coverage, but it may differ in doctors and hospitals, prescriptions, benefits, premiums, deductibles, and expected out-of-pocket costs. Review your information and compare your options before relying on the renewal.
Check your household
Make sure household members and other application information are accurate, and report changes.
Confirm 2027 income
Review your estimated annual household income. Explore Health uses application information to determine eligibility for financial help.
Review any plan match
If your 2026 plan is ending, check the plan Explore Health matched you with. The insurance company, provider network, prescriptions, benefits, premiums, or other costs may be different.
Nov. 1, 20262027 Open Enrollment begins
Dec. 31, 2026Enroll by this date for Jan. 1 coverage
Jan. 15, 2027Open Enrollment ends
What happened to HealthCare.gov?
For Oregon Marketplace coverage, Explore Health replaces HealthCare.gov as the place to apply for and enroll in health coverage. People who used HealthCare.gov in the past may receive an Explore Health welcome notice and account access code.
If you need older HealthCare.gov records or have a situation involving prior-year federal Marketplace coverage, the right resource can depend on what you're trying to retrieve. Contact me if you're unsure where to start.
Read the shorter overview of 2027 coverage dates and changes.
Having a problem with Explore Health?
If you were asked for documents, are unsure whether enrollment is active, or received an unexpected decision, I can help you understand the notice and identify next steps.
2027 plan previews are available
Explore Health now offers a plan-preview tool. I can help you interpret the options, compare providers, prescriptions and total costs, and review your choices before enrollment.
Need help with Explore Health?
You don't have to work through the new Marketplace alone. Tell me what's happening, or schedule a time to talk.
Official resources: Information on this page reflects current guidance from Explore Health, Oregon's official health insurance Marketplace.
Last reviewed October 6, 2026.