Individual & Family Health Insurance

If you don’t have coverage through an employer, you can, as an Oregon resident, buy an individual or family health insurance plan  during open enrollment.

When You Can Enroll:

Next open enrollment date is November 2015.

As of January 1st, 2015 all individual health insurance plans are discontinued. All Individuals and families must either renew or enroll in a new plan.

Open enrollment is the one time during the year when you can change plans, change insurance companies, or choose to stay with the plan you have.

You can only enroll outside of the open enrollment dates if you experience a “triggering event.” Examples include loss of comprehensive coverage, getting married, having or adopting a child, newly gaining citizenship, moving, and a change in income that makes you eligible for financial help.

Are You Required to Have Coverage in Oregon?

As of January 1st, 2014, individuals and families must have basic (essential benefits package) coverage or pay a penalty.

Oregonians who can afford health insurance but decide not to have it, will owe penalties when file for their taxes in the spring of 2015.

There are some exceptions to the rule:

  • Individuals and families whose income is low enough that they do not need to file federal income tax returns
  • Oregonians who would have to pay more than 8 percent of family income for insurance after taking premium tax credits and employer contributions into account
  • Individuals who have been uninsured for less than three months
  • People who are incarcerated
  • Undocumented immigrants
  • Members of American Indian tribes

What Do You Mean by “Basic” Coverage?

 A qualified health insurance plan must have an Out-of-Pocket Maximum of $6,650 and include 10 essential benefits as follows:
Individuals_What do you mean by basic Coverage

Let Us Take the Confusion Out of the Process!

It can be hard to review all the Oregon health insurance plans and find affordable rate in the  Individual Health Insurance market.  We understand the Oregon mandates and have been working with Oregonians from Portland to Ashland and Eastern Oregon for over 12 years.

By asking just a few questions, we help you decide between the many companies and hundreds of health insurance plans in Oregon.

Deductibles can vary a lot. Some plans offer limited or unlimited doctor visits. By taking the time to ask how often you go to the doctor, what type of physician do you normally see, and to understand yours and your family’s lifestyle we can narrow the plans down to just a few.

We frequently work with low-income individuals and families and help them figure out if government assistance is available.  WE are happy to stay there are many  health insurance plans available to Oregon residents.

All personal information is confidential.