KP OR Silver 4000 — full price in Benton County, Oregon (2026)
KP OR Silver 4000 (71287OR0420012), a silver plan from Kaiser Permanente in Benton County, Oregon, costs $572.00/month full price for a 40-year-old in 2026 — $1215.00 at 60, with a $4,000 deductible and $8,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 71287OR0420012 · Issuer: Kaiser Permanente · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $448.00 |
| 27 | $469.00 |
| 30 | $508.00 |
| 40 | $572.00 |
| 50 | $800.00 |
| 60 | $1215.00 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,000
- Family deductible: $8,000
- Individual out-of-pocket max: $8,600
- Family out-of-pocket max: $17,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $563.00/mo. This plan is $572.00/mo at 40 — a difference of $9.00/mo.
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 — how much less depends on income, household size, and county benchmark.
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Other silver plans in Benton County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| KP Oregon Standard Silver Plan | Kaiser Permanente | $562.00 |
| Moda Health Affinity Silver 6000 | Moda Health Plan, Inc. | $563.00 |
| Moda Health Affinity Silver 4500 | Moda Health Plan, Inc. | $579.00 |
| Moda Health Oregon Standard Silver Affinity | Moda Health Plan, Inc. | $580.00 |
| KP OR Silver 3000 | Kaiser Permanente | $589.00 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 71287OR0420012 in FIPS 41003.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Benton County
Reviewed by Jason Burns, Editorial Steward.