3 Easy Steps

  1. 1. Make your Selection
  2. 2. Compare Plans
  3. 3. Apply
  Zip Code Age Gender Smoker  

APPLICANT 

 
 

SPOUSE

remove
 

CHILD

remove
Please fill out all fields correctly
Please wait, you are being redirected to a regional web site...
date

Cover Oregon

 

Along with the rest of the United States, Oregon has a new and improved healthcare system thanks to the Affordable Care Act. To learn just how you can meet your Oregon health insurance needs we at ForHealthInsurance.com have compiled this guide to purchasing health insurance at the Cover Oregon online health insurance marketplace. Read on to find out how you can choose the best plan for your budget.

The four big options

Cover Oregon provides an easy to use online outlet for buying Oregon health insurance. All of the Cover Oregon health insurance plans fall into one of four categories: Bronze, Silver, Gold and Platinum. From Bronze up to Platinum, plans at each level have more expensive monthly premiums, but lower out of pocket costs. You will be glad to know that plans at every level include coverage for a wide range of essential medical services as mandated by the Affordable Care Act. So, even a cheaper Oregon health insurance plan will still cover most, if not all of your medical needs.

Making choices: Premiums and out of pocket costs

Cover Oregon’s clear plan organization makes it a lot easier to pick a health insurance policy based on costs. That being said, you still have to properly prepare for buying health insurance. How much you can afford to pay each month and/or each doctor’s visit should be your number one issue.

Don’t let yourself get roped into buying a plan with a low premium just because it costs the least per month. If you don’t take a careful look at each plan category’s level of cost sharing you could end up with a low premium Oregon health insurance plan but, paying a ton in out of pocket costs.

That being said, buying a high premium plan at the Cover Oregon marketplace also might not be the way to go if you are someone who rarely goes to the doctor. It’s always a good idea to have an Oregon health insurance plan that can give you a reasonable amount of protection from unforeseen medical problems, but it is up to you to determine how much you want to prepare for the worst.

Two ways you can save money: Medicaid and tax subsidies

After all of this talk of how to pick an Oregon health insurance plan, it is time to get down to the nitty gritty: cost. If Cover Oregon health insurance plans seem far outside of your budget, you should know that the state Medicaid program is now available to people who make up to 133 percent of the Federal Poverty Line. In addition it is now open to childless adults, whereas in the past you needed to have dependents in order to be eligible. .

Federal health insurance subsidies are the number one cost reduction option available to most people buying insurance on Cover Oregon. Your eligibility for a subsidy is determined by your yearly income, which has to be between 133 percent to 400 percent of the Federal Poverty Line. Fortunately, this is a pretty big range. If you’re near the higher end you won’t pay more than 9.5 percent of your income for health insurance. It’s also a sliding scale, so the less you make, the less you’ll pay for Oregon health insurance.

How do I buy a Covered Oregon plan?

To buy Oregon health insurance at Cover Oregon give us a call here to speak with one of our health insurance experts or enter your zip code above to see what plans are available in your area.