T. Mann Financial's independent approach allows us the freedom to provide you with a diverse selection of insurance options.
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Click here to start your marketplace application with T. Mann Financial.
Oregon's new "Explore Health" Marketplace
Once residents of Oregon grasp the fundamentals, selecting the appropriate plan becomes significantly easier for them.
What is the Oregon Healthcare Marketplace
Oregon's health insurance marketplace is Explore Health, operated by the Oregon Health Authority at ExploreHealthOR.gov. Beginning November 1, 2026, Oregonians shop for plans, check their eligibility for financial assistance, and enroll directly through Explore Health. Before this, Oregon used the federal HealthCare.gov platform. If you had a plan through HealthCare.gov, your account and coverage are being moved to Explore Health, and you may receive a letter with steps to claim your new account. We can help you through the transition whether you are renewing existing coverage or enrolling for the first time.
Received a letter or email from Explore Health? It is legitimate.
Explore Health is Oregon's official marketplace. As with any account, never share your access code, Social Security number, or password by email or phone with anyone who contacts you unexpectedly. If you want a second set of eyes before you claim your account, call us.
Plan Types Available in Oregon
Oregon Health Insurance Marketplace plans come in 3 tiers: Bronze, Silver, and Gold. Platinum plans are not currently available on the marketplace and may only be available in group plans.
Oregon Standard vs. Non-Standard Plans
Standard health insurance plans offered on the health insurance marketplace adhere to specific guidelines and requirements set by the government, providing a standardized level of coverage and benefits.
Non-standard plans, on the other hand, may offer more flexibility and variety in coverage options, but they may also have different terms, exclusions, or limitations compared to standard plans.
Oregon High-deductible Health Insurance Plans and HSAs
A high-deductible health insurance plan is a type of insurance that requires Oregonians to pay a significant amount out of pocket for medical expenses before the insurance coverage kicks in.
This high deductible threshold allows Oregonians to be eligible to open Health Savings Accounts (HSAs), where they can contribute pre-tax money to save for qualified medical expenses, such as doctor visits, prescription medications, and hospital stays, providing a tax-advantaged way to manage healthcare costs.
2026 Update
Starting with the 2026 plan year (January 1, 2026, onward), Bronze and catastrophic plans are treated as HSA-compatible under federal law, whether or not they are purchased through the Marketplace. Enrollees in these plans may contribute to a Health Savings Account to set aside pre-tax money for qualified medical expenses. Whether an HSA fits your situation depends on your plan and your circumstances, so it is worth reviewing before you enroll.
Oregon Health Insurance Networks
Exclusive Provider Networks (EPOs) are health insurance networks that limit coverage to a select group of healthcare providers, usually offering lower premiums but with more restricted choices of doctors and hospitals.
Preferred Provider Networks (PPOs) on the other hand, offer a broader range of healthcare providers for Oregonians to choose from, often allowing individuals to see out-of-network providers at a higher cost, providing more flexibility in selecting healthcare providers but often with higher premiums or out-of-pocket costs.
2027 List of Insurance Companies Offering Plans in Lane County Oregon on the Marketplace
Regence
Moda Health
Kaiser Permanente
Bridgespan
T. Mann Financial is currently contracted with all of these providers.
How T. Mann Financial can help you with Oregon Marketplace Health Insurance
Why struggle? Health insurance costs the same whether we help you or you do it yourself.
Step 1
T. Mann Financial can help you identify when to enroll in health coverage
Open enrollment on Explore Health for 2027 coverage runs November 1, 2026 through January 15, 2027.
If you enroll by December 15, your coverage starts January 1, 2027. If you enroll between December 16 and January 15, your coverage starts February 1, 2027. We confirm whether you enroll during open enrollment or qualify for a special enrollment period.
Special Enrollment Periods (SEPs): Year-round
Oregonians who miss the open enrollment period or undergo a qualifying life event have the opportunity to enroll or modify their health plans during the year. Qualifying life events are outlined below, and there is a possibility of an exceptional circumstances special enrollment period being available. If you have encountered another significant life event, please don't hesitate to reach out to T. Mann Financial for personalized assistance.
Qualifying Life Events for SEPs
Step 2
T. Mann Financial can help you assess your individual insurance needs
We will collect and gather the following info:
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Lists of:
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Medications, their dosage, and frequency
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Preferred providers (doctors and clinics)
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Preferred pharmacies
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Current health conditions
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Upcoming Procedures
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An idea of how much you currently use medical services
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Your income information if you are interested in Premium Tax Credits to lower the cost of your insurance.
Step 3
T. Mann Financial can help enroll you in the marketplace plan that fits you.
Once we have reviewed your options together, we help you enroll in the plan you choose through Explore Health, Oregon's health insurance marketplace. We can walk through it with you screen by screen over Zoom or in person, confirm any premium tax credits or cost-sharing reductions are applied correctly, and stay available after enrollment if your coverage, income, or household changes during the year.
Together we will cover the plan specifics like:
Plan Networks such as PPOs and EPOs
Confirm your doctors, pharmacies, and clinics are in-network
Confirm your prescriptions are a part of the plan's formulary
Once you have made your selection we help you enroll and pay your first premium.
In the majority of situations, enrollment can be conveniently finalized through various channels, including online, over the phone, via email, or in person.
Once Enrolled T. Mann Financial
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Tracks your application and can help you upload additional documents
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Can assist you if you need help getting your ID Cards and or member numbers
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Can help answer questions you have about your plan throughout the year
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Reviews your plan annually during open enrollment with you.
Oregon specific info on low-income assistance
For information on Medicaid in Oregon reach out to the Oregon Health Plan
Subsidies available in 2026-7 for Oregonians
Information is provided by the Oregon Health Insurance Marketplace.
Premium Tax Subsidies
Premium Tax Subsidies are offered on a graduated scale, meaning that as your income increases, the level of financial assistance available to you decreases. See Federal Poverty Guidelines.
The amount of financial help available depends on your income, household size, and the plan you choose. Enhanced premium tax credits that were in effect through 2025 have expired, which affects what many enrollees pay in 2026, so it is worth reviewing your options each year.
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2026 Oregon Health Plan & Bridge
Information was provided by our friends at Community Health Centers of Lane County.
*Please note that Medicaid long-term care eligibility has different income cap (2025- $2,829), asset limits (2025- $2,000), and recapture provisions. Additionally, Medicare eligible individuals have different eligibility criteria which can be found here.
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Oregon also offers OHP Bridge, a no-cost coverage option for adults under 65 whose household income is between 138% and 200% of the Federal Poverty Level. If your income falls in that range, OHP Bridge may be an option alongside Marketplace plans, and we can help you compare.
Get an insurance quote here!
