Oregon Medicaid, officially known as the Oregon Health Plan (OHP), provides free or low-cost health coverage to more than 1.4 million residents across the state. If you live in Oregon and need affordable healthcare, understanding the eligibility requirements for 2026 is the first step toward getting covered. Oregon is a Medicaid expansion state, which means more people qualify here than in states that have not expanded their programs. This guide covers everything you need to know about Oregon Medicaid eligibility in 2026, including income limits, how to apply, what benefits are covered, and more.
Not sure if you qualify? Check your eligibility in minutes with our free screening tool.
What Is the Oregon Health Plan (OHP)?
The Oregon Health Plan is the state's version of Medicaid, administered by the Oregon Health Authority (OHA). OHP provides comprehensive health coverage including medical, dental, mental health, and addiction treatment services. Oregon delivers these benefits through Coordinated Care Organizations (CCOs), which are regional networks that connect patients with healthcare providers and community services.
There are two main OHP coverage levels:
- OHP Plus covers adults and children with incomes up to 138% of the Federal Poverty Level (FPL). It includes full medical, dental, vision, and behavioral health benefits with no premiums, copays, or deductibles.
- OHP Bridge extends coverage to adults ages 19 to 64 with incomes between 138% and 200% FPL. OHP Bridge also has no member costs and provides a similar comprehensive benefit package.
For more details on all programs available in the state, visit the Oregon Benefits Overview.
2026 Income Limits for Oregon Medicaid
Oregon Medicaid eligibility is based on Modified Adjusted Gross Income (MAGI) and household size. The income thresholds are tied to the Federal Poverty Level, which is updated each year. The 2026 FPL guidelines took effect on March 1, 2026, for OHP purposes.
Adults Ages 19 to 64 (OHP Plus: 138% FPL)
| Household Size | Annual Income Limit | Monthly Income Limit |
|---|---|---|
| 1 | $22,025 | $1,836 |
| 2 | $29,863 | $2,489 |
| 3 | $37,702 | $3,142 |
| 4 | $45,540 | $3,795 |
| 5 | $53,378 | $4,448 |
| 6 | $61,217 | $5,101 |
For each additional household member, add approximately $7,838 per year.
Adults Ages 19 to 64 (OHP Bridge: 200% FPL)
Adults who earn too much for OHP Plus but still have modest incomes may qualify for OHP Bridge:
| Household Size | Annual Income Limit | Monthly Income Limit |
|---|---|---|
| 1 | $31,920 | $2,660 |
| 2 | $43,280 | $3,607 |
| 3 | $54,640 | $4,553 |
| 4 | $66,000 | $5,500 |
| 5 | $77,360 | $6,447 |
| 6 | $88,720 | $7,393 |
OHP Bridge applicants must not have other minimum essential coverage to qualify.
Children Under 19 (Up to 305% FPL)
Oregon covers children at significantly higher income thresholds than adults:
| Household Size | Annual Income Limit (Approx.) |
|---|---|
| 2 | $65,952 |
| 3 | $83,226 |
| 4 | $100,500 |
| 5 | $117,774 |
These figures are approximate. Apply to determine your exact eligibility.
Pregnant Women (Up to 185% FPL)
Pregnant women in Oregon qualify for OHP at higher income levels and receive extended postpartum coverage:
| Household Size | Annual Income Limit (Approx.) |
|---|---|
| 1 | $29,526 |
| 2 | $40,034 |
| 3 | $50,542 |
| 4 | $61,050 |
Coverage continues through 12 months postpartum regardless of income changes.
Important note: All income limits shown here are based on the 2026 Federal Poverty Level guidelines ($15,960 per year for a single individual in the contiguous U.S.). Actual eligibility depends on how your income is counted under MAGI rules. Always apply to confirm your eligibility, as the numbers above are estimates for informational purposes only.
Who Can Qualify for Oregon Medicaid in 2026?
To be eligible for OHP, you must meet the following general requirements:
- Residency: You must be a resident of Oregon
- Income: Your household income must fall within the limits for your eligibility group (see tables above)
- Citizenship or immigration status: You must be a U.S. citizen, U.S. national, or have an eligible immigration status. Oregon also provides some coverage options regardless of immigration status for certain groups
- Age: Different programs cover different age groups (children under 19, adults 19 to 64, seniors 65 and older)
There is no asset or resource test for most OHP programs. You do not need to report savings, vehicles, or property when applying for MAGI-based Medicaid in Oregon.
How to Apply for Oregon Medicaid in 2026
Applying for the Oregon Health Plan is free and can be done in several ways. Here is a step-by-step guide:
Step 1: Gather Your Documents
Before starting your application, have the following ready:
- Social Security numbers for all household members
- Proof of income (pay stubs, W-2 forms, tax returns, or self-employment records)
- Proof of Oregon residency (utility bill, lease agreement, or Oregon ID)
- Immigration documents, if applicable
- Date of birth for all household members
Step 2: Choose Your Application Method
You have four ways to apply:
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Online: Visit ONE.Oregon.gov to create an account and submit your application. The online portal is available 24/7 and supports multiple languages.
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By phone: Call the Oregon Health Insurance Marketplace at 1-855-268-3767 (TTY: 711). Representatives can walk you through the application over the phone.
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In person: Visit your local Oregon Department of Human Services (ODHS) office. You can find your nearest office at Oregon.gov/ODHS.
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By mail or fax: Download a paper application from the OHP website, complete it, and mail it to the OHP Processing Center or fax it to 503-378-5628.
Step 3: Submit Your Application
Complete all required fields and submit your application. If applying online, you can save your progress and return later.
Step 4: Wait for a Determination
Processing typically takes up to 45 days. If you apply by phone, you may receive instant eligibility. Working with a community health assister can speed up the process to as little as three weeks.
Step 5: Choose a Coordinated Care Organization (CCO)
Once approved, you will be asked to select a CCO in your area. If you do not choose one, the state will assign you to a plan. Your CCO manages your healthcare and connects you with local providers.
Step 6: Start Using Your Benefits
Your OHP card will arrive by mail. You can begin scheduling appointments with in-network providers right away.
What Does Oregon Medicaid Cover?
OHP provides one of the most comprehensive Medicaid benefit packages in the country. Covered services include:
- Medical care: Doctor visits, hospital stays, surgery, lab tests, and preventive care
- Prescription drugs: Most medications are covered with no copay
- Dental care: Cleanings, fillings, extractions, dentures, and other dental services
- Mental health: Counseling, therapy, psychiatric services, and crisis intervention
- Substance use treatment: Inpatient and outpatient addiction treatment
- Vision care: Eye exams and glasses
- Maternity care: Prenatal visits, delivery, and postpartum care
- Pediatric care: Well-child visits, immunizations, and developmental screenings
- Transportation: Non-emergency medical transportation to appointments
All OHP Plus and OHP Bridge members pay zero premiums, zero copays, and zero deductibles.
Recent Changes Affecting Oregon Medicaid in 2026
Several important updates may affect your eligibility or benefits in 2026:
- Updated FPL guidelines: The 2026 Federal Poverty Level increased slightly from 2025. Oregon began using the new FPL figures on March 1, 2026, which may raise income limits for some applicants.
- Medicaid unwinding complete: Oregon has finished the post-pandemic redetermination process. If you were disenrolled during the unwinding period, you can reapply at any time.
- Federal funding changes: Congress has been considering changes to Medicaid funding at the federal level. While no cuts have taken effect as of early 2026, it is worth staying informed about potential changes that could affect OHP coverage or eligibility.
- OHP Bridge program: This program continues to provide extended coverage for adults earning between 138% and 200% FPL. Check with OHA for the latest program status.
Tips for a Successful Application
- Report all income accurately. OHP uses MAGI, which includes wages, self-employment income, Social Security benefits, unemployment, and some other income types. Do not include gifts, child support received, or Supplemental Security Income (SSI).
- Apply even if you are unsure. The application process is free and there is no penalty for applying. Many people qualify without realizing it.
- Get help from an assister. Oregon has a network of trained application assisters and community health workers who can help you apply at no cost. Find one through OregonHealthCare.gov.
- Keep your information updated. Report changes in income, household size, or address promptly to avoid gaps in coverage.
Frequently Asked Questions
What is the income limit for a single adult to qualify for Oregon Medicaid in 2026?
A single adult can qualify for OHP Plus with an annual income up to approximately $22,025 (138% FPL). If your income is between $22,025 and $31,920 (200% FPL), you may qualify for OHP Bridge instead.
Can I get Oregon Medicaid if I am employed?
Yes. Many OHP members work. Eligibility is based on income, not employment status. As long as your household income falls within the limits, you can qualify even if you have a job.
Does Oregon Medicaid cover dental care?
Yes. Oregon is one of the few states that provides comprehensive dental benefits through Medicaid, including preventive care, fillings, extractions, and dentures.
How long does it take to get approved for OHP?
Most applications are processed within 45 days. Applying by phone may result in same-day eligibility. Working with an assister can reduce wait times to about three weeks.
What happens if my income changes after I am enrolled?
You should report income changes to OHP promptly. If your income increases above the limit, you may transition to OHP Bridge or qualify for subsidized Marketplace coverage. If your income decreases, you may qualify for additional benefits.
Can undocumented immigrants get Oregon Medicaid?
Oregon provides some health coverage options for residents regardless of immigration status, particularly for children, pregnant women, and emergency services. Check with OHA or a local assister for the most current options.
Is there an asset limit for Oregon Medicaid?
For most OHP programs (MAGI-based), there is no asset test. You do not need to report savings, retirement accounts, or property. Asset limits apply only to certain programs for seniors and people with disabilities.
Check Your Eligibility Today
Oregon Medicaid provides valuable health coverage to over a million residents, and you may qualify without even knowing it. Whether you are an adult, a parent, pregnant, or applying for your children, OHP offers comprehensive benefits at zero cost to eligible Oregonians.
Ready to find out if you qualify? Use our free benefits screening tool to check your eligibility for OHP and other assistance programs in just a few minutes. You can also explore all available programs on the Oregon Benefits Overview page.
For official information, visit the Oregon Health Authority at OregonHealthCare.gov or call 1-855-268-3767.
