Moda Health Oregon Standard Gold Affinity — full price in Deschutes County, Oregon (2026)
Moda Health Oregon Standard Gold Affinity (39424OR1670001), a gold plan from Moda Health Plan, Inc. in Deschutes County, Oregon, costs $767.00/month full price for a 40-year-old in 2026 — $1629.00 at 60, with a $1,800 deductible and $8,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 39424OR1670001 · Issuer: Moda Health Plan, Inc. · 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 | $600.00 |
| 27 | $629.00 |
| 30 | $681.00 |
| 40 | $767.00 |
| 50 | $1072.00 |
| 60 | $1629.00 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,800
- Family deductible: $3,600
- Individual out-of-pocket max: $8,150
- Family out-of-pocket max: $16,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $556.00/mo. This plan is $767.00/mo at 40 — a difference of $211.00/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Deschutes County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Core Gold 3000 | PacificSource Health Plans | $640.00 |
| Gold 2300 Individual Connect | Regence BlueCross BlueShield of Oregon | $679.84 |
| Core Gold 1500 | PacificSource Health Plans | $703.00 |
| PacificSource Oregon Standard Gold Plan Core | PacificSource Health Plans | $707.00 |
| Regence Standard Gold Plan Individual Connect | Regence BlueCross BlueShield of Oregon | $721.55 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 39424OR1670001 in FIPS 41017.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Deschutes County
Reviewed by Jason Burns, Editorial Steward.