Health insurance prices in Polk County, OR (2026)
50 marketplace plans from 6 insurers. Cheapest plan $474/mo; typical Silver $612/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 3.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $474–$588 (typical $510) · Silver $536–$688 (typical $612) · Gold $585–$800 (typical $732)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Kaiser Permanente | 9 | $474 | $481 | $546 | $606 | KP Oregon Standard Bronze Plan | |
| Regence BlueCross BlueShield (OR)Cambia Health (Blue Cross Blue Shield company) | 8 | $484 | $516 | $589 | $727 | Bronze Essential 9000 With 4 Copay No Deductible Office Visits Individual Connect | |
| Moda Health | 13 | $495 | $503 | $612 | $739 | Moda Health Affinity Bronze HDHP 7500 | |
| PacificSource | 9 | $498 | $510 | $614 | $732 | Core Bronze HSA 8300 | |
| BridgeSpan (Cambia)Cambia Health | 3 | $543 | $543 | $634 | $785 | BridgeSpan Standard Bronze Plan | |
| Providence Health Plan | 8 | $512 | $549 | $666 | $774 | HSA Qualified 7500 Bronze - Choice Network |
All 50 plans in Polk County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Kaiser Permanente | KP Oregon Standard Bronze Plan | Expanded Bronze | EPO | $474 | $9,200 | $9,200 | $14,888 | |
| Kaiser Permanente | KP OR Bronze 6000 | Expanded Bronze | EPO | $481 | $6,000 | $8,900 | $14,672 | |
| Kaiser Permanente | KP OR Bronze HSA 7100 | Expanded Bronze | EPO | $482 | $7,100 | $7,100 | $12,884 | |
| Regence BlueCross BlueShield (OR) | Bronze Essential 9000 With 4 Copay No Deductible Office Visits Individual Connect | Expanded Bronze | EPO | $484 | $9,000 | $10,600 | $16,405 | |
| Moda Health | Moda Health Affinity Bronze HDHP 7500 | Expanded Bronze | EPO | $495 | $7,500 | $7,500 | $13,440 | |
| PacificSource | Core Bronze HSA 8300 | Expanded Bronze | EPO | $498 | $8,300 | $8,300 | $14,276 | |
| Moda Health | Moda Health Affinity Bronze 9000 | Expanded Bronze | EPO | $503 | $9,000 | $9,500 | $15,536 | |
| Moda Health | Moda Health Affinity Bronze 8000 | Expanded Bronze | EPO | $503 | $8,000 | $9,250 | $15,286 | |
| Moda Health | Moda Health Oregon Standard Bronze Affinity | Expanded Bronze | EPO | $504 | $9,200 | $9,200 | $15,248 | |
| PacificSource | Core Bronze HSA 7500 | Expanded Bronze | EPO | $510 | $7,500 | $10,600 | $16,720 | |
| Providence Health Plan | HSA Qualified 7500 Bronze - Choice Network | Expanded Bronze | EPO | $512 | $7,500 | $7,500 | $13,650 | |
| Regence BlueCross BlueShield (OR) | Bronze 8000 Individual Connect | Expanded Bronze | EPO | $514 | $8,000 | $10,600 | $16,768 | |
| Regence BlueCross BlueShield (OR) | Bronze HSA 7000 Individual Connect | Expanded Bronze | EPO | $517 | $7,000 | $8,300 | $14,507 | |
| Regence BlueCross BlueShield (OR) | Regence Standard Bronze Plan Individual Connect | Expanded Bronze | EPO | $518 | $9,200 | $9,200 | $15,420 | |
| Kaiser Permanente | KP Oregon Standard Silver Plan | Silver | EPO | $536 | $6,100 | $9,200 | $15,632 | |
| PacificSource | PacificSource Oregon Standard Bronze HSA Plan Core | Expanded Bronze | EPO | $537 | $9,200 | $9,200 | $15,644 | |
| BridgeSpan (Cambia) | BridgeSpan Standard Bronze Plan | Expanded Bronze | EPO | $543 | $9,200 | $9,200 | $15,719 | |
| Kaiser Permanente | KP OR Silver 4000 | Silver | EPO | $546 | $4,000 | $8,600 | $15,152 | |
| Providence Health Plan | HSA-E Qualified 7500 Bronze - Signature Network | Expanded Bronze | EPO | $548 | $7,500 | $7,500 | $14,078 | |
| Providence Health Plan | Providence Oregon Standard Bronze Plan - Choice Network | Expanded Bronze | EPO | $550 | $9,200 | $9,200 | $15,803 | |
| Kaiser Permanente | KP OR Silver 3000 | Silver | EPO | $562 | $3,000 | $8,600 | $15,344 | |
| Regence BlueCross BlueShield (OR) | Silver 6500 Individual Connect | Silver | EPO | $572 | $6,500 | $10,150 | $17,017 | |
| PacificSource | Core Silver 7500 | Silver | EPO | $579 | $7,500 | $8,400 | $15,348 | |
| Kaiser Permanente | KP OR Gold 1750 | Gold | EPO | $585 | $1,750 | $8,500 | $15,520 | |
| Providence Health Plan | Providence Oregon Standard Bronze Plan - Signature Network | Expanded Bronze | EPO | $588 | $9,200 | $9,200 | $16,262 | |
| Moda Health | Moda Health Affinity Silver 6000 | Silver | EPO | $594 | $6,000 | $8,250 | $15,378 | |
| Regence BlueCross BlueShield (OR) | Regence Standard Silver Plan Individual Connect | Silver | EPO | $605 | $6,100 | $9,200 | $16,460 | |
| Kaiser Permanente | KP Oregon Standard Gold Plan | Gold | EPO | $606 | $1,800 | $8,150 | $15,422 | |
| Moda Health | Moda Health Affinity Silver 4500 | Silver | EPO | $611 | $4,500 | $8,000 | $15,332 | |
| Moda Health | Moda Health Oregon Standard Silver Affinity | Silver | EPO | $612 | $6,100 | $9,200 | $16,544 | |
| PacificSource | Core Silver 4500 | Silver | EPO | $614 | $4,500 | $9,750 | $17,118 | |
| PacificSource | PacificSource Oregon Standard Silver Plan Core | Silver | EPO | $617 | $6,100 | $9,200 | $16,604 | |
| Kaiser Permanente | KP OR Gold 0 | Gold | EPO | $625 | $0 | $8,200 | $15,700 | |
| Moda Health | Moda Health Affinity Silver 3400 | Silver | EPO | $629 | $3,400 | $8,250 | $15,798 | |
| BridgeSpan (Cambia) | BridgeSpan Standard Silver Plan | Silver | EPO | $634 | $6,100 | $9,200 | $16,809 | |
| Providence Health Plan | Providence Oregon Standard Silver Plan - Choice Network | Silver | EPO | $644 | $6,100 | $9,200 | $16,924 | |
| Moda Health | Moda Health Affinity Silver 3000 | Silver | EPO | $647 | $3,000 | $8,000 | $15,764 | |
| PacificSource | Core Gold 3000 | Gold | EPO | $666 | $3,000 | $8,000 | $15,992 | |
| Providence Health Plan | Providence Oregon Standard Silver Plan - Signature Network | Silver | EPO | $688 | $6,100 | $9,200 | $17,461 | |
| Regence BlueCross BlueShield (OR) | Gold 2300 Individual Connect | Gold | EPO | $706 | $2,300 | $10,150 | $18,616 | |
| Moda Health | Moda Health Affinity Gold 1500 | Gold | EPO | $714 | $1,500 | $7,900 | $16,468 | |
| PacificSource | Core Gold 1500 | Gold | EPO | $732 | $1,500 | $9,300 | $18,084 | |
| Moda Health | Moda Health Oregon Standard Gold Affinity | Gold | EPO | $732 | $1,800 | $8,150 | $16,934 | |
| PacificSource | PacificSource Oregon Standard Gold Plan Core | Gold | EPO | $737 | $1,800 | $8,150 | $16,994 | |
| Moda Health | Moda Health Affinity Gold 1000 | Gold | EPO | $746 | $1,000 | $8,850 | $17,802 | |
| Providence Health Plan | Providence Oregon Standard Gold Plan - Choice Network | Gold | EPO | $748 | $1,800 | $8,150 | $17,129 | |
| Regence BlueCross BlueShield (OR) | Regence Standard Gold Plan Individual Connect | Gold | EPO | $749 | $1,800 | $8,150 | $17,136 | |
| Moda Health | Moda Health Affinity Gold 250 | Gold | EPO | $760 | $250 | $8,500 | $17,620 | |
| BridgeSpan (Cambia) | BridgeSpan Standard Gold Plan | Gold | EPO | $785 | $1,800 | $8,150 | $17,568 | |
| Providence Health Plan | Providence Oregon Standard Gold Plan - Signature Network | Gold | EPO | $800 | $1,800 | $8,150 | $17,753 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $474 | $510 | $588 | 19 | $8,300 | $9,200 | $15,286 |
| Silver | $536 | $612 | $688 | 16 | $6,100 | $9,200 | $16,129 |
| Gold | $585 | $732 | $800 | 15 | $1,800 | $8,150 | $17,129 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.