What health insurance costs without a subsidy in Polk County, Oregon (2026)
In Polk County, Oregon, the benchmark silver plan costs $546.00/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $474.00 to $800.25. A 60-year-old pays at least $1006.00/month, a 21-year-old at least $371.00. 6 insurers offer 50 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 $371.00/mo
- Age 40 — starting at $474.00/mo
- Age 60 — starting at $1006.00/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $536.00/mo
- Gold — starting at $585.00/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $9,200
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
BridgeSpan Health Company, Kaiser Permanente, 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 Polk County (FIPS 41053).
- 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
- Harney County — $626.00/mo benchmark
Plans available in this county (50)
- KP Oregon Standard Bronze Plan — Expanded Bronze · $474.00/mo @ 40
- KP OR Bronze 6000 — Expanded Bronze · $481.00/mo @ 40
- KP OR Bronze HSA 7100 — Expanded Bronze · $482.00/mo @ 40
- Bronze Essential 9000 With 4 Copay No Deductible Office Visits Individual Connect — Expanded Bronze · $483.71/mo @ 40
- Moda Health Affinity Bronze HDHP 7500 — Expanded Bronze · $495.00/mo @ 40
- Core Bronze HSA 8300 — Expanded Bronze · $498.00/mo @ 40
- Moda Health Affinity Bronze 8000 — Expanded Bronze · $503.00/mo @ 40
- Moda Health Affinity Bronze 9000 — Expanded Bronze · $503.00/mo @ 40
- Moda Health Oregon Standard Bronze Affinity — Expanded Bronze · $504.00/mo @ 40
- Core Bronze HSA 7500 — Expanded Bronze · $510.00/mo @ 40
- HSA Qualified 7500 Bronze - Choice Network — Expanded Bronze · $512.50/mo @ 40
- Bronze 8000 Individual Connect — Expanded Bronze · $514.01/mo @ 40
- Bronze HSA 7000 Individual Connect — Expanded Bronze · $517.25/mo @ 40
- Regence Standard Bronze Plan Individual Connect — Expanded Bronze · $518.33/mo @ 40
- PacificSource Oregon Standard Bronze HSA Plan Core — Expanded Bronze · $537.00/mo @ 40
- BridgeSpan Standard Bronze Plan — Expanded Bronze · $543.26/mo @ 40
- HSA-E Qualified 7500 Bronze - Signature Network — Expanded Bronze · $548.15/mo @ 40
- Providence Oregon Standard Bronze Plan - Choice Network — Expanded Bronze · $550.25/mo @ 40
- Providence Oregon Standard Bronze Plan - Signature Network — Expanded Bronze · $588.50/mo @ 40
- KP OR Gold 1750 — Gold · $585.00/mo @ 40
- KP Oregon Standard Gold Plan — Gold · $606.00/mo @ 40
- KP OR Gold 0 — Gold · $625.00/mo @ 40
- Core Gold 3000 — Gold · $666.00/mo @ 40
- Gold 2300 Individual Connect — Gold · $705.54/mo @ 40
- Moda Health Affinity Gold 1500 — Gold · $714.00/mo @ 40
- Moda Health Oregon Standard Gold Affinity — Gold · $732.00/mo @ 40
- Core Gold 1500 — Gold · $732.00/mo @ 40
- PacificSource Oregon Standard Gold Plan Core — Gold · $737.00/mo @ 40
- Moda Health Affinity Gold 1000 — Gold · $746.00/mo @ 40
- Providence Oregon Standard Gold Plan - Choice Network — Gold · $748.25/mo @ 40
- Regence Standard Gold Plan Individual Connect — Gold · $748.82/mo @ 40
- Moda Health Affinity Gold 250 — Gold · $760.00/mo @ 40
- BridgeSpan Standard Gold Plan — Gold · $784.83/mo @ 40
- Providence Oregon Standard Gold Plan - Signature Network — Gold · $800.25/mo @ 40
- KP Oregon Standard Silver Plan — Silver · $536.00/mo @ 40
- KP OR Silver 4000 — Silver · $546.00/mo @ 40
- KP OR Silver 3000 — Silver · $562.00/mo @ 40
- Silver 6500 Individual Connect — Silver · $572.23/mo @ 40
- Core Silver 7500 — Silver · $579.00/mo @ 40
- Moda Health Affinity Silver 6000 — Silver · $594.00/mo @ 40
Showing first 40 of 50 plans on file.
Reviewed by Jason Burns, Editorial Steward.