Oregon's Medicaid program is called the Oregon Health Plan (OHP). It covers low- and moderate-income Oregonians with free health coverage that includes medical, dental, and behavioral health services. Oregon expanded Medicaid under the Affordable Care Act, so most adults under 65 who meet the income limit qualify, regardless of whether they have children. Income limits for 2026 are based on the 2026 Federal Poverty Level (FPL) and took effect March 1, 2026.
This guide covers the income limits for every OHP category, how household size affects your eligibility, and how to apply.
What Is Oregon Medicaid (OHP)?
OHP is Oregon's version of Medicaid, administered by the Oregon Health Authority (OHA). There are two main programs under OHP:
- OHP Plus covers adults earning up to 138% FPL, children, pregnant individuals, and people who qualify through disability or age. Benefits are comprehensive with no premiums or cost-sharing for most members.
- OHP Bridge launched in July 2024 and covers adults between 133% and 200% FPL who earn too much for OHP Plus but cannot get affordable employer-sponsored insurance.
Both programs charge no premiums, no copays, and no deductibles.
OHP Plus Income Limits 2026 (Adults 19-64, 138% FPL)
Adults between ages 19 and 64 qualify for OHP Plus if their monthly gross income falls at or below 138% of the Federal Poverty Level.
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|
| 1 | $1,835 | $22,020 |
| 2 | $2,488 | $29,856 |
| 3 | $3,142 | $37,704 |
| 4 | $3,795 | $45,540 |
| 5 | $4,447 | $53,364 |
| 6 | $5,101 | $61,212 |
| 7 | $5,754 | $69,048 |
| 8 | $6,407 | $76,884 |
For households larger than 8, add approximately $652 per month per additional person.
OHP Bridge Income Limits 2026 (Adults 19-64, 133-200% FPL)
OHP Bridge fills the gap between OHP Plus and private insurance. It covers adults who earn too much for OHP Plus (above 133% FPL) but no more than 200% FPL.
| Household Size | Monthly Income Range | Annual Income Range |
|---|
| 1 | $1,774 to $2,608 | $21,287 to $31,300 |
| 2 | $2,402 to $3,525 | $28,825 to $42,300 |
| 3 | $3,030 to $4,442 | $36,363 to $53,300 |
| 4 | $3,660 to $5,358 | $43,916 to $64,300 |
OHP Bridge provides the same comprehensive benefits as OHP Plus, including medical, dental, behavioral health, and transportation to medical appointments. It does not cover long-term services and supports.
To qualify for OHP Bridge you also must lack access to affordable employer-sponsored insurance, meaning your employer's plan costs more than a set percentage of your income.
Children's Income Limits 2026
Children under age 19 qualify for OHP Plus at the same income limits as adults (138% FPL). Newborns under age 1 and children in households with pregnant individuals have a higher threshold at 190% FPL.
Children Under 1 Year (190% FPL)
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|
| 1 | $2,527 | $30,324 |
| 2 | $3,425 | $41,100 |
| 3 | $4,326 | $51,912 |
| 4 | $5,225 | $62,700 |
| 5 | $6,123 | $73,476 |
| 6 | $7,024 | $84,288 |
CHIP (Children's Health Insurance Program, 305% FPL)
Oregon uses CHIP funding to extend children's coverage to higher income households. Children in families that earn too much for OHP Plus may qualify for CHIP.
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|
| 1 | $4,056 | $48,672 |
| 2 | $5,499 | $65,988 |
| 3 | $6,944 | $83,328 |
| 4 | $8,387 | $100,644 |
| 5 | $9,830 | $117,960 |
| 6 | $11,275 | $135,300 |
Pregnant Individuals (190% FPL)
Pregnant Oregonians qualify for OHP Plus with household incomes up to 190% of the Federal Poverty Level, a higher threshold than the standard adult limit.
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|
| 1 | $2,527 | $30,324 |
| 2 | $3,425 | $41,100 |
| 3 | $4,326 | $51,912 |
| 4 | $5,225 | $62,700 |
| 5 | $6,123 | $73,476 |
| 6 | $7,024 | $84,288 |
Coverage begins as soon as you apply and remains in effect for 60 days after the end of your pregnancy, regardless of whether your income changes.
Medicaid for Seniors and People with Disabilities
Oregonians aged 65 and older or who have a qualifying disability may qualify through separate pathways. These programs use different income and asset rules compared to the MAGI-based OHP Plus:
| Category | Monthly Income Limit | Asset Limit |
|---|
| Regular Medicaid (single) | $994 | $2,000 |
| Regular Medicaid (married, both applying) | $1,491 | $3,000 |
| Nursing Home / Institutional (single) | $2,982 | $2,000 |
| Nursing Home / Institutional (married, one applying) | $2,982 | $2,000 |
For married couples where only one spouse applies for nursing home Medicaid, the non-applicant spouse can retain up to $162,660 in assets (2026) as a Community Spouse Resource Allowance. The home equity limit is $752,000 for 2026.
Seniors who apply through Medicaid for older adults must also demonstrate a need for help with activities of daily living.
What Counts as Income
OHP uses Modified Adjusted Gross Income (MAGI) methodology to determine eligibility for most categories. MAGI includes:
- Wages and salaries
- Self-employment income
- Social Security income (for most applicants)
- Unemployment benefits
- Rental income
- Alimony received
MAGI does not include child support payments received, veterans' benefits, or most one-time lump-sum payments. Oregon does not count assets (savings, investments, property) when determining OHP Plus or OHP Bridge eligibility. Asset limits only apply to the non-MAGI categories for seniors and people with disabilities.
Other Eligibility Requirements
Beyond income, you must meet these requirements to qualify for OHP:
- Oregon residency: You must live in Oregon. There is no minimum length of residency.
- Citizenship or immigration status: U.S. citizens and many qualified immigrants are eligible. Undocumented immigrants generally do not qualify for full OHP benefits, but emergency Medicaid is available for acute care.
- Age: Adults between 19 and 64 qualify under the ACA expansion. Children under 19 qualify under OHP Plus or CHIP. Seniors 65 and older qualify through separate pathways.
- Not incarcerated: You cannot be in jail or prison at the time of application.
There are no work requirements for OHP in Oregon.
How to Apply for Oregon Medicaid
You can apply for OHP through several channels:
Online
Apply at one.oregon.gov. The ONE (Oregon Eligibility) system handles applications for OHP, SNAP, TANF, and other programs in a single application.
By Phone
Call the OHP customer service line at 800-699-9075. Representatives can take your application over the phone or help you navigate the online system.
In Person
Visit your local Oregon Department of Human Services (ODHS) branch office. Bring documentation of your identity, Oregon residency, income, and immigration status if applicable.
Step-by-Step Application Process
- Gather your documents. You will need proof of identity (birth certificate, passport, or driver's license), Social Security numbers for all household members, proof of Oregon residency (utility bill, lease), and recent pay stubs or proof of income.
- Go to one.oregon.gov. Create an account or log in if you have one.
- Start a new application. Select "Apply for Benefits" and choose health coverage.
- Enter household information. List everyone in your household, their ages, and their relationship to you.
- Enter income information. Report gross income before taxes. Include wages, self-employment, and any other income sources.
- Submit your application. Review for accuracy and submit.
- Respond to any requests. OHA may ask for additional documentation. Respond promptly to avoid delays.
- Receive your eligibility decision. Most decisions arrive within 45 days, though many are faster. If you qualify, your coverage can begin on the date of your application.
If you are denied, you have the right to appeal the decision. The denial letter will explain how to file an appeal.
What OHP Covers
OHP Plus and OHP Bridge provide the same core benefits:
- Primary and preventive care
- Emergency services
- Hospital services (inpatient and outpatient)
- Mental health and substance use treatment
- Prescription drugs
- Dental care (including preventive and restorative)
- Vision care
- Maternity and newborn care
- Lab tests and imaging
- Transportation to medical appointments
OHP pays zero cost-sharing for most members. There are no deductibles, and most services have no copay.
OHP and the ACA Marketplace
If your income is above 200% FPL, you do not qualify for OHP Plus or OHP Bridge. You may qualify for subsidized coverage through the Oregon Health Insurance Marketplace at healthcare.oregon.gov. Premium tax credits are available for households between 100% and 400% FPL (and beyond in some cases). If you are unsure which program fits your situation, use our free screener to check eligibility across all programs at once.
Check your eligibility with our free screener
Recent Changes for 2026
- Income limits increased on March 1, 2026 following the annual FPL update.
- OHP Bridge continues to operate as a full benefit program for adults between 133% and 200% FPL.
- Oregon has no work requirements for Medicaid, and none are expected to be added under current state policy.
- Children's coverage through CHIP remains at 305% FPL.
Frequently Asked Questions
What is the income limit for Oregon Medicaid in 2026?
For most adults between ages 19 and 64, the limit is 138% of the Federal Poverty Level. That equals $1,835 per month for a single person or $3,795 per month for a household of four. Oregon also has OHP Bridge, which extends coverage to adults up to 200% FPL, or $2,608 per month for one person.
Does Oregon Medicaid have an asset test?
No, not for OHP Plus or OHP Bridge. Oregon does not count your savings, car, home, or other assets when determining eligibility for the standard adult and children's programs. Asset tests only apply to Medicaid programs for seniors and people with disabilities.
Can I apply for Oregon Medicaid if I have a job?
Yes. Having a job does not disqualify you. Oregon Medicaid is based on income, not employment status. If your job income falls within the limits, you can qualify for OHP even while employed full time.
How long does it take to get approved for OHP?
Most standard applications are processed within 45 days. Many people receive a decision faster, sometimes within a few weeks. If you are pregnant or have an urgent medical need, you may qualify for presumptive eligibility, which provides temporary coverage while your full application is reviewed.
What is OHP Bridge and who qualifies?
OHP Bridge is a program that launched in July 2024 for adults who earn between 133% and 200% FPL. It provides the same benefits as OHP Plus with no cost-sharing. You must also lack access to affordable employer-sponsored insurance to qualify for OHP Bridge.
Can undocumented immigrants get Oregon Medicaid?
Full OHP benefits are generally not available to undocumented immigrants. However, emergency Medicaid covers emergency medical care for people who otherwise meet eligibility requirements except immigration status. Children and pregnant women may have broader options depending on immigration category.
What happens if my income changes while I am on OHP?
You are required to report income changes to OHA. If your income rises above the OHP Plus limit, you may transition to OHP Bridge if you qualify, or you may need to find other coverage. Changes are reported through your ONE account or by calling OHP customer service.
Where can I apply for Oregon Medicaid?
You can apply online at one.oregon.gov, by calling 800-699-9075, or in person at any ODHS office. You can also check eligibility and explore all Oregon benefit programs through our free screener.
Does Oregon Medicaid cover dental and vision?
Yes. OHP Plus and OHP Bridge both include dental and vision coverage, which is broader than many states' Medicaid programs. Dental coverage includes preventive care, fillings, and other restorative services. Vision coverage includes eye exams and glasses.
Do I have to pay premiums for OHP?
No. OHP Plus and OHP Bridge have no monthly premiums, no deductibles, and no copays for most services. This applies regardless of which OHP plan you are enrolled in.
For more information about Oregon benefits programs, visit the Oregon benefits overview or use the free eligibility screener to see all programs you may qualify for in one place.
