T. Mann Financial's independent approach allows us the freedom to provide you with a diverse selection of insurance options.
Click here to start your marketplace application with T. Mann Financial.
Oregon Marketplace Health Insurance
Once residents of Oregon grasp the fundamentals, selecting the appropriate plan becomes significantly easier for them.
What is the Oregon Healthcare Marketplace
The Oregon Health Insurance Marketplace is a state-run platform that provides a centralized hub for individuals and small businesses in Oregon to compare and purchase health insurance plans. It offers a range of options and subsidies to help make coverage more affordable for residents.
2023 Map showing the number of plans available on the Oregon Health Insurance Marketplace by county.
The Oregon Health Insurance Marketplace uses Healthcare.gov as it's enrollment portal.
Plan Types Available in Oregon
Oregon Health Insurance Marketplace plans come in 3 tiers: Bronze, Silver, and Gold. Platinum plans are not currently available on the marketplace and may only be available in group plans.
Oregon Standard vs. Non-Standard Plans
Standard health insurance plans offered on the health insurance marketplace adhere to specific guidelines and requirements set by the government, providing a standardized level of coverage and benefits.
Non-standard plans, on the other hand, may offer more flexibility and variety in coverage options, but they may also have different terms, exclusions, or limitations compared to standard plans.
Oregon High-deductible Health Insurance Plans and HSAs
A high deductible health insurance plan is a type of insurance that requires Oregonians to pay a significant amount out of pocket for medical expenses before the insurance coverage kicks in.
This high deductible threshold allows Oregonians to be eligible to open Health Savings Accounts (HSAs), where they can contribute pre-tax money to save for qualified medical expenses, such as doctor visits, prescription medications, and hospital stays, providing a tax-advantaged way to manage healthcare costs.
Oregon Health Insurance Networks
Exclusive Provider Networks (EPOs) are health insurance networks that limit coverage to a select group of healthcare providers, usually offering lower premiums but with more restricted choices of doctors and hospitals.
Preferred Provider Networks (PPOs) on the other hand, offer a broader range of healthcare providers for Oregonians to choose from, often allowing individuals to see out-of-network providers at a higher cost, providing more flexibility in selecting healthcare providers but often with higher premiums or out-of-pocket costs.
2025 List of Insurance Companies Offering Plans in Lane County Oregon on the Marketplace
Regence
Providence Health Plans
PacificSource Health Plans
Moda Health
Kaiser Permanente
Bridgespan
T. Mann Financial is currently contracted with all of these providers.
How T. Mann Financial can help you with Oregon Marketplace Health Insurance
Why struggle? Health insurance costs the same whether we help you or you do it yourself.
Step 1
T. Mann Financial can help you identify when to enroll in health coverage
Open Enrollment Period: Nov. 1st- Jan. 15th
The open enrollment period, typically between November 1 and December 15, is the recommended time for most individuals to enroll in or switch health coverage plans.
If you take action within this timeframe, your coverage will start on January 1 of the following year. However, if you make changes between December 16 and January 15, your coverage will begin on February 1.
Special Enrollment Periods (SEPs): Year-round
Oregonians who miss the open enrollment period or undergo a qualifying life event have the opportunity to enroll or modify their health plans during the year. Qualifying life events are outlined below, and there is a possibility of an exceptional circumstances special enrollment period being available. If you have encountered another significant life event, please don't hesitate to reach out to T. Mann Financial for personalized assistance.
Qualifying Life Events for SEPs
Step 2
T. Mann Financial can help you assess your individual insurance needs
We will collect and gather the following info:
-
Lists of:
-
Medications, their dosage, and frequency
-
Preferred providers (doctors and clinics)
-
Preferred pharmacies
-
Current health conditions
-
Upcoming Procedures
-
-
An idea of how much you currently use medical services
-
Your income information if you are interested in Premium Tax Credits to lower the cost of your insurance.
Step 3
T. Mann Financial can help enroll you in the marketplace plan that fits you.
First T. Mann Financial will utilize Health Sherpa as it's online platform to help you create or update your marketplace application and then narrow down the plan options available to you and then to run a side-by side comparison of your top choices.
Together we will cover the plan specifics like:
Plan Networks such as PPOs and EPOs
Confirm your doctors, pharmacies, and clinics are in-network
Confirm your prescriptions are a part of the plan's formulary
Once you have made your selection we help you enroll and pay your first premium.
In the majority of situations, enrollment can be conveniently finalized through various channels, including online, over the phone, via email, or in person.
Once Enrolled T. Mann Financial
-
Tracks your application and can help you upload additional documents
-
Can assist you if you need help getting your ID Cards and or member numbers
-
Can help answer questions you have about your plan throughout the year
-
Reviews your plan annually during open enrollment with you.
Oregon specific info on low-income assistance
For information on Medicaid in Oregon reach out to the Oregon Health Plan
Subsidies available in 2025 for Oregonians
Information is provided by the Oregon Health Insurance Marketplace.
Premium Tax Subsities
Premium Tax Subsidies are offered on a graduated scale, meaning that as your income increases, the level of financial assistance available to you decreases. See Federal Poverty Guidelines.
$451/per month was the average subsidy provided to Oregonians who enrolled through marketplace in 2020 according to the Oregon Health Insurance Marketplace.
Income Based
(no upper income limit)
Premium Tax Credits
Reduces the monthly premium
Up to 250% of the Federal Poverty Level
Cost Sharing Reductions
Reduces the out-of-pocket costs
Up to 300% of the Federal Poverty Level
Zero Cost-Sharing
Limits out-of-pocket costs, must be a member of a federally recognized tribe
What about the Oregon Health Plan, OHP?
Information was provided by our friends at Community Health Centers of Lane County.
*Please note that Medicaid long-term care eligibility has different income cap (2025- $2,829), asset limits (2025- $2,000), and recapture provisions. Additionally, Medicare eligible individuals have different eligibility criteria which can be found here.