What health insurance costs without a subsidy in Harney County, Oregon (2026)
In Harney County, Oregon, the benchmark silver plan costs $626.00/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $508.00 to $945.75. A 60-year-old pays at least $1079.00/month, a 21-year-old at least $397.00. 5 insurers offer 37 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $397.00/mo
- Age 40 — starting at $508.00/mo
- Age 60 — starting at $1079.00/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $591.00/mo
- Gold — starting at $680.00/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $250 to $9,200
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
BridgeSpan Health Company, Moda Health Plan, Inc., PacificSource Health Plans, Providence Health Plan, Regence BlueCross BlueShield of Oregon
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Harney County (FIPS 41025).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Oregon
- Baker County — $626.00/mo benchmark
- Crook County — $626.00/mo benchmark
- Gilliam County — $626.00/mo benchmark
- Grant County — $626.00/mo benchmark
- Jefferson County — $626.00/mo benchmark
Plans available in this county (37)
- Core Bronze HSA 8300 — Expanded Bronze · $508.00/mo @ 40
- Core Bronze HSA 7500 — Expanded Bronze · $520.00/mo @ 40
- Moda Health Affinity Bronze HDHP 7500 — Expanded Bronze · $540.00/mo @ 40
- PacificSource Oregon Standard Bronze HSA Plan Core — Expanded Bronze · $547.00/mo @ 40
- Moda Health Affinity Bronze 9000 — Expanded Bronze · $549.00/mo @ 40
- Moda Health Affinity Bronze 8000 — Expanded Bronze · $549.00/mo @ 40
- Moda Health Oregon Standard Bronze Affinity — Expanded Bronze · $550.00/mo @ 40
- Bronze Essential 9000 With 4 Copay No Deductible Office Visits Individual Connect — Expanded Bronze · $574.81/mo @ 40
- Bronze 8000 Individual Connect — Expanded Bronze · $610.82/mo @ 40
- Bronze HSA 7000 Individual Connect — Expanded Bronze · $614.67/mo @ 40
- Regence Standard Bronze Plan Individual Connect — Expanded Bronze · $615.96/mo @ 40
- BridgeSpan Standard Bronze Plan — Expanded Bronze · $645.58/mo @ 40
- HSA-E Qualified 7500 Bronze - Signature Network — Expanded Bronze · $647.80/mo @ 40
- Providence Oregon Standard Bronze Plan - Signature Network — Expanded Bronze · $695.50/mo @ 40
- Core Gold 3000 — Gold · $680.00/mo @ 40
- Core Gold 1500 — Gold · $746.00/mo @ 40
- PacificSource Oregon Standard Gold Plan Core — Gold · $751.00/mo @ 40
- Moda Health Affinity Gold 1500 — Gold · $779.00/mo @ 40
- Moda Health Oregon Standard Gold Affinity — Gold · $799.00/mo @ 40
- Moda Health Affinity Gold 1000 — Gold · $815.00/mo @ 40
- Moda Health Affinity Gold 250 — Gold · $829.00/mo @ 40
- Gold 2300 Individual Connect — Gold · $838.42/mo @ 40
- Regence Standard Gold Plan Individual Connect — Gold · $889.86/mo @ 40
- BridgeSpan Standard Gold Plan — Gold · $932.65/mo @ 40
- Providence Oregon Standard Gold Plan - Signature Network — Gold · $945.75/mo @ 40
- Core Silver 7500 — Silver · $591.00/mo @ 40
- Core Silver 4500 — Silver · $626.00/mo @ 40
- PacificSource Oregon Standard Silver Plan Core — Silver · $629.00/mo @ 40
- Moda Health Affinity Silver 6000 — Silver · $649.00/mo @ 40
- Moda Health Affinity Silver 4500 — Silver · $667.00/mo @ 40
- Moda Health Oregon Standard Silver Affinity — Silver · $668.00/mo @ 40
- Silver 6500 Individual Connect — Silver · $680.00/mo @ 40
- Moda Health Affinity Silver 3400 — Silver · $687.00/mo @ 40
- Moda Health Affinity Silver 3000 — Silver · $707.00/mo @ 40
- Regence Standard Silver Plan Individual Connect — Silver · $718.97/mo @ 40
- BridgeSpan Standard Silver Plan — Silver · $753.54/mo @ 40
- Providence Oregon Standard Silver Plan - Signature Network — Silver · $813.55/mo @ 40
Reviewed by Jason Burns, Editorial Steward.