Moda Health Affinity Silver 4500 — full price in Deschutes County, Oregon (2026)
Moda Health Affinity Silver 4500 (39424OR1680004), a silver plan from Moda Health Plan, Inc. in Deschutes County, Oregon, costs $640.00/month full price for a 40-year-old in 2026 — $1360.00 at 60, with a $4,500 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 39424OR1680004 · 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 | $501.00 |
| 27 | $525.00 |
| 30 | $569.00 |
| 40 | $640.00 |
| 50 | $895.00 |
| 60 | $1360.00 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $556.00/mo. This plan is $640.00/mo at 40 — a difference of $84.00/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 silver plans in Deschutes County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Silver 6500 Individual Connect | Regence BlueCross BlueShield of Oregon | $551.39 |
| Core Silver 7500 | PacificSource Health Plans | $556.00 |
| Regence Standard Silver Plan Individual Connect | Regence BlueCross BlueShield of Oregon | $582.98 |
| Core Silver 4500 | PacificSource Health Plans | $590.00 |
| PacificSource Oregon Standard Silver Plan Core | PacificSource Health Plans | $593.00 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 39424OR1680004 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.