For 2026 coverage, Oregon ACA premium tax credits run from 100% to 400% of the federal poverty level, which is $15,650 to $62,600 for one person and $32,150 to $128,600 for a household of four. Oregon is different from most states in one way that matters for your paperwork: adults with income between 133% and 200% FPL are generally covered by OHP Bridge, a free state program, and are not eligible for Marketplace tax credits at all. In practice that means the premium tax credit starts near 200% FPL for most Oregon adults under 65, not at 100% FPL.
One more Oregon-specific change is landing right now. Starting November 1, 2026, Oregon stops using HealthCare.gov and runs its own marketplace, called Explore Health, at ExploreHealthOR.gov. If you are shopping for 2027 coverage, that is where you go.
Oregon ACA Income Limits for 2026 Coverage
Premium tax credits are measured against the poverty guidelines in effect when that plan year's open enrollment began (26 CFR 1.36B-1(h)). For 2026 coverage, that means the 2025 guidelines, not the 2026 ones. The table below uses the 2025 HHS poverty guidelines for the 48 contiguous states, which is the table Oregon falls under.
| Household size | 100% FPL | 150% FPL | 200% FPL | 250% FPL | 300% FPL | 400% FPL (cutoff) |
|---|
| 1 | $15,650 | $23,475 | $31,300 | $39,125 | $46,950 | $62,600 |
| 2 | $21,150 | $31,725 | $42,300 | $52,875 | $63,450 | $84,600 |
| 3 | $26,650 | $39,975 | $53,300 | $66,625 | $79,950 | $106,600 |
| 4 | $32,150 | $48,225 | $64,300 | $80,375 | $96,450 | $128,600 |
| 5 | $37,650 | $56,475 | $75,300 | $94,125 | $112,950 | $150,600 |
| 6 | $43,150 | $64,725 | $86,300 | $107,875 | $129,450 | $172,600 |
Add $5,500 at 100% FPL for each person beyond six, and $22,000 at the 400% line.
Income here means household modified adjusted gross income (MAGI) for the whole plan year, not your current paycheck. MAGI includes wages, self-employment profit, unemployment compensation, taxable interest and dividends, and all Social Security benefits, including the portion that is not taxable (26 USC 36B(d)(2)(B)(iii)).
Oregon ACA Income Limits for 2027 Coverage
If you are enrolling during the open enrollment window that starts November 1, 2026, you are buying 2027 coverage, and 2027 uses the 2026 poverty guidelines. The cutoffs move up.
| Household size | 100% FPL | 200% FPL | 400% FPL (cutoff) |
|---|
| 1 | $15,960 | $31,920 | $63,840 |
| 2 | $21,640 | $43,280 | $86,560 |
| 3 | $27,320 | $54,640 | $109,280 |
| 4 | $33,000 | $66,000 | $132,000 |
| 5 | $38,680 | $77,360 | $154,720 |
| 6 | $44,360 | $88,720 | $177,440 |
Source: HHS 2026 poverty guidelines, 91 FR 1797, and Rev. Proc. 2026-26.
The 400% Cliff Is Back for Oregon
The enhanced premium tax credits created by the American Rescue Plan and extended by the Inflation Reduction Act expired on December 31, 2025, and Congress did not renew them. Two things changed as a result:
- The 400% FPL cliff returned. Above 400% FPL there is no premium tax credit at all, no matter how expensive the benchmark plan is in your county. A 60-year-old Oregon couple at $85,000 of income gets nothing in 2026, where in 2025 they would have been capped at 8.5% of income.
- Everyone below the cliff pays a larger share of income. The share of income you are expected to contribute toward the benchmark Silver plan is set each year by the IRS. For 2026 it runs from 2.10% to 9.96%.
2026 expected contribution by income band
| Household income as % of FPL | Share of income you pay toward the benchmark plan |
|---|
| Under 133% | 2.10% |
| 133% to under 150% | 3.14% to 4.19% |
| 150% to under 200% | 4.19% to 6.60% |
| 200% to under 250% | 6.60% to 8.44% |
| 250% to under 300% | 8.44% to 9.96% |
| 300% through 400% | 9.96% |
Source: Rev. Proc. 2025-25, section 3.01. For 2027 the same table runs from 2.15% to 10.22% (Rev. Proc. 2026-26, section 3.01).
Your actual credit is the difference between that expected contribution and the cost of the second-lowest-cost Silver plan in your county. In rural Oregon counties where premiums are high, the credit is larger. The credit amount does not change if you pick a cheaper Bronze plan, so a low-cost Bronze plan can still land near $0 a month.
OHP Bridge: Why Oregon's Subsidy Floor Is Really 200% FPL
Oregon expanded Medicaid, so the Oregon Health Plan (OHP Plus) covers adults up to 138% FPL. Oregon then went further. Under Section 1331 of the ACA, Oregon runs a Basic Health Program called OHP Bridge, launched July 1, 2024, for adults under 65 whose income sits just above the OHP Plus line.
OHA publishes the current OHP Bridge income standard as 133% to 200% FPL. These figures apply through February 2027:
| Household size | OHP Bridge income range (133% to 200% FPL) |
|---|
| 1 | $21,228 to $31,920 |
| 2 | $28,788 to $43,280 |
| 3 | $36,336 to $54,640 |
| 4 | $43,896 to $66,000 |
Source: Oregon Health Authority, OHP Bridge page.
The 133% figure and the 138% OHP Plus line overlap on paper. OHA says Bridge is for adults with income above the traditional OHP Plus limit, and Medicaid's 5% income disregard puts that limit at 138% FPL. So an adult at or below 138% FPL goes to OHP Plus, and Bridge picks up above that, up to 200% FPL.
OHP Bridge covers medical, dental and behavioral health care through the same coordinated care organizations that serve OHP Plus members, with no premiums, no deductibles and no copays. It does not cover long-term services and supports or housing and nutrition benefits.
The part that trips people up: OHA states plainly that "people eligible for OHP Bridge will no longer be eligible for Marketplace-based financial help, like tax credits." So if you are an Oregon adult under 65 in that 133% to 200% band, your route is OHP Bridge through the ONE system, not a subsidized Marketplace plan. Roughly 47,000 Oregonians were enrolled in OHP Bridge as of June 2026.
Two cautions. First, a Marketplace plan does not cancel itself when you are found eligible for OHP Bridge. You have to cancel it. Second, OHA's 2024 FAQ let people keep a Marketplace plan through the 2026 plan year during the move to Bridge, and said they would not face tax credit reconciliation just because their income was in the Bridge range. We found no OHA statement extending that to 2027 coverage, so if your 2027 income is in the Bridge range, apply for OHP Bridge instead of keeping a subsidized plan.
Who Does Get a Premium Tax Credit in Oregon
A premium tax credit for 2026 requires all of the following:
- Household income at or above 100% FPL and at or below 400% FPL for the coverage year
- Not eligible for OHP Plus, OHP Bridge, Medicare, or other minimum essential coverage
- No offer of affordable employer coverage. For 2026, employer coverage counts as affordable if employee-only coverage costs no more than 9.96% of household income (Rev. Proc. 2025-25, section 3.02). For 2027 the figure is 10.22%.
- Oregon residency and a qualifying immigration status
- Not incarcerated other than pending disposition of charges
- Filing a federal tax return for the year, and filing jointly if married
Where that leaves people by income band:
| Income (adult under 65) | Most likely route in Oregon |
|---|
| Under 138% FPL | OHP Plus, free, through ONE.Oregon.gov |
| Over 138% to 200% FPL | OHP Bridge, free, no tax credit available |
| 200% to 400% FPL | Marketplace plan with a premium tax credit |
| Over 400% FPL | Marketplace plan at full price, no credit |
Children are treated differently. OHP covers children in households up to 305% FPL, and pregnancy coverage runs to 190% FPL, so a family can easily have children on OHP while the parents hold a Marketplace plan. Adults 65 and older belong on Medicare, not the Marketplace.
Cost-Sharing Reductions on Silver Plans
Cost-sharing reductions cut your deductible, copays and out-of-pocket maximum. They are only attached to Silver plans and only below 250% FPL. In Oregon, because OHP Bridge absorbs most adults under 200% FPL, the CSR tier that actually gets used most is the 200% to 250% band.
| Income | Silver plan actuarial value | Effect |
|---|
| 100% to 150% FPL | 94% | Lowest deductibles and copays |
| 150% to 200% FPL | 87% | Substantially reduced cost sharing |
| 200% to 250% FPL | 73% | Moderate reduction |
| Above 250% FPL | 70% | No CSR |
If your income is between 200% and 250% FPL, compare Silver carefully against Bronze. A Bronze plan with a lower premium can cost far more over a year once a deductible is involved.
What Changes for 2027: Explore Health and Higher Premiums
Senate Bill 972 (2023) required the Oregon Health Insurance Marketplace to move from a state-based marketplace on the federal platform to a fully state-based marketplace in time for plan year 2027, including its own IT platform and call center by November 1, 2026. Oregon submitted its initial CMS Blueprint Application on June 5, 2025 and an updated one on July 20, 2026.
What that means for you:
- Enroll at ExploreHealthOR.gov, not HealthCare.gov, for 2027 coverage. Open enrollment runs November 1, 2026 through January 15, 2027.
- Existing accounts migrate. If you had Oregon Marketplace coverage in 2026, your information moves from HealthCare.gov to Explore Health, and Oregon mailed activation details in early October 2026.
- The Explore Health Plan Guide is already live. It lets you compare 2027 individual health and dental plans, enter your prescriptions and doctors, and get an estimate of financial help before open enrollment opens.
On price, Oregon's Division of Financial Regulation finalized 2027 rates on August 18, 2026 and approved individual market increases averaging 21.6%, after approving 9.7% for 2026. DFR budgeted an extra $15 million for the Oregon Reinsurance Program, which it credits with holding rates down by an average of 10.7% for 2027. Providence Health Plan and PacificSource are leaving the individual market for 2027, but every Oregon county still has at least two carriers, and most have three or four.
Enrollment has already been falling. Oregon had 118,372 Marketplace plan selections during the 2026 open enrollment period, down from 139,688 for 2025.
How to Apply for Oregon Marketplace Coverage
Step 1. Figure out which door you are walking through. If your household income looks like it is under 200% FPL and you are under 65, start with the state at ONE.Oregon.gov for OHP Plus or OHP Bridge. If it is above 200% FPL, start at ExploreHealthOR.gov.
Step 2. Estimate your annual income, not your current pay. Add up what the whole tax household expects to earn for the coverage year. Self-employed Oregonians should use net profit after business expenses.
Step 3. Create or activate your Explore Health account. Existing 2026 enrollees activate the migrated account rather than starting from scratch.
Step 4. Complete the application. You will list everyone in your tax household, your income, and whether anyone has an offer of job-based coverage. Answer the employer coverage question carefully, because an affordable offer disqualifies you from the credit.
Step 5. Read the eligibility result. It will show your monthly credit amount and will flag anyone in the household who looks eligible for OHP instead.
Step 6. Compare plans, including networks. Carrier footprints changed for 2027. Check that your doctors and your prescriptions are covered before you pick.
Step 7. Enroll and pay the first premium. Coverage does not begin until the insurer receives your first payment. Your start date depends on when you finish enrolling, and the cutoff for January 1 coverage differs by marketplace and has been litigated at the federal level, so confirm the exact deadline on Explore Health rather than assuming last year's date.
Step 8. Report changes during the year. A raise, a new job with insurance, a move, a birth, or a change in household size all change your credit. Reporting late is what causes a repayment at tax time.
Free help is available from Oregon-certified insurance agents and community partners. The Oregon Health Insurance Marketplace lists them at OregonHealthCare.gov, or call 855-268-3767. For other programs you may qualify for alongside health coverage, see the Oregon state benefits page.
Documents to Have Ready
- Social Security numbers for everyone applying
- Immigration documents, if applicable
- Most recent federal tax return and recent pay stubs
- Employer coverage details, including the cost of employee-only coverage
- Current insurance policy information, if you have coverage now
Frequently Asked Questions
What is the maximum income for ACA subsidies in Oregon in 2026?
400% of the federal poverty level. For 2026 coverage that is $62,600 for one person and $128,600 for a household of four, measured against the 2025 poverty guidelines. For 2027 coverage the cutoff rises to $63,840 for one person and $132,000 for four. One dollar over the line means no premium tax credit at all.
What is the minimum income for ACA subsidies in Oregon?
Technically 100% FPL, but in Oregon the practical floor is around 200% FPL for adults under 65. Adults between 133% and 200% FPL are generally eligible for OHP Bridge, and OHA states that OHP Bridge eligibility makes you ineligible for Marketplace tax credits. Below 138% FPL, OHP Plus covers you.
Does Oregon still use HealthCare.gov?
Not for 2027 coverage. Oregon used HealthCare.gov as a state-based marketplace on the federal platform through the 2026 plan year. Under Senate Bill 972 (2023), Oregon launched its own platform, Explore Health, at ExploreHealthOR.gov, in time for the open enrollment period that begins November 1, 2026.
What is the difference between OHP Plus and OHP Bridge?
OHP Plus is Oregon's Medicaid program, covering adults up to 138% FPL, children up to 305% FPL, and pregnancy to 190% FPL. OHP Bridge is a Basic Health Program for adults under 65 between 133% and 200% FPL. Both are free to members and both use coordinated care organizations. OHP Bridge does not cover long-term services and supports or housing and nutrition benefits.
How much are Oregon Marketplace premiums going up for 2027?
Oregon's Division of Financial Regulation approved an average individual market increase of 21.6% for 2027, finalized August 18, 2026. Your own change depends on your carrier, age and county. Because the premium tax credit is pegged to the benchmark Silver plan, a subsidized enrollee's net premium can rise much less than the gross rate.
Do immigrants qualify for Marketplace coverage in Oregon?
It depends on status and on the coverage year. For 2026 coverage, lawfully present immigrants can get the premium tax credit. For 2027 coverage, federal law narrows the credit to citizens, green card holders, Cuban and Haitian entrants, and citizens of Micronesia, the Marshall Islands and Palau. Refugees, asylees, people with TPS and parolees can still buy a Marketplace plan at full price but no longer get the credit. DACA recipients cannot buy through the Marketplace at all and can only buy directly from an insurer.
What happens if my income ends up higher than I estimated?
You reconcile the credit on your federal return using Form 8962. Starting with tax year 2026 there is no repayment cap: if you took more advance credit than your final income supported, you repay the full difference, at any income (Public Law 119-21, section 71305). If your income lands above 400% FPL, you owe back all of the advance credit. That is the single biggest reason to report income increases as they happen.
Can I get a subsidy if my job offers insurance?
Only if that offer fails the affordability test. For 2026, employer coverage is affordable when employee-only coverage costs 9.96% or less of household income; for 2027 the threshold is 10.22%. If it costs more than that, or it fails the minimum value standard, you can claim a Marketplace credit instead.
Is every Oregon county still served for 2027?
Yes. Two carriers, Providence Health Plan and PacificSource, are exiting the individual market for 2027. DFR reported that two carriers remain available statewide, seven counties will have four choices, 23 counties will have three, and six counties will have two.
