Reviewed by Scott Lewis, licensed insurance agent · Last reviewed August 27, 2026
Oregon finalized substantial 2027 individual-market changes on August 18, 2026. The statewide average approved rate increase is 21.6%, but that is not the increase every household will pay. Your actual premium depends on age, location, plan, household, and any Marketplace financial help.
Final average individual rate increases
BridgeSpan
19.3%
Kaiser
15.8%
Moda
27.0%
Regence
20.3%
These are Oregon Division of Financial Regulation averages, not a quote for a specific person or plan.
Final 2027 Central Oregon carrier map
| County | Individual carriers | Total |
|---|---|---|
| Deschutes | BridgeSpan, Regence | 2 |
| Crook | BridgeSpan, Regence | 2 |
| Jefferson | BridgeSpan, Moda, Regence | 3 |
Oregon's Marketplace is changing too
Oregon says it will operate a state-based Marketplace for the 2027 coverage year, with open enrollment beginning November 1, 2026. Watch official transition instructions for account, application, and renewal steps. Be cautious with unsolicited calls or sites asking for personal information.
Your 2027 review checklist
- Read every discontinuation and renewal notice.
- Confirm that your doctors and facilities participate in the exact 2027 plan.
- Recheck prescriptions, pharmacy networks, and prior authorization.
- Update household and income information used for Marketplace savings.
- Compare total expected cost, not the premium alone.
- Keep proof of enrollment and the first premium payment.
For a broader explanation, see individual health insurance in Bend.
Sources and verification
We use primary sources and link to the current page so you can verify details before making a coverage decision.
- DFR finalizes 2027 health insurance rates — Oregon Division of Financial Regulation
- Final 2027 rate and county coverage table — Oregon Division of Financial Regulation
- Oregon state-based marketplace transition — Oregon Health Insurance Marketplace
- Individual market update — PacificSource
- Individual and family plan status update — Providence Health Plan