Health insurance cost in Josephine County, OR (2026)

37 Marketplace plans from 5 insurance companies are sold in Josephine County in 2026. Here is what they cost by tier and age, what a tax credit does to the price, the cheapest plans by name, and what private plans run for healthy households.

Cheapest Bronze, age 40

$504/mo

full price, before any credit

Silver benchmark, age 40

$604/mo

the plan tax credits are based on

Plans

37 EPO

Insurers

selling in this county

Deductibles

$250 to $9,200

individual, standard plans

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze (14 plans)	$394–$519	$447–$589	$504–$663	$704–$927	$1,069–$1,408
Silver (12 plans)	$462–$606	$524–$687	$590–$774	$825–$1,082	$1,254–$1,644
Gold (11 plans)	$532–$750	$604–$851	$680–$958	$950–$1,339	$1,444–$2,034

Lowest to highest monthly premium among the plans sold in Josephine County, before any tax credit, from the CMS 2026 plan file (snapshot August 4, 2026).

Ranges at a glance (age 40)

Blue: Marketplace tiers, full price. Green: private plan range for a healthy 40-year-old man in Oregon, after the advisors' usual adjustment.

What a tax credit does in Josephine County

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$317/mo	$504 → $186
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$1,166/mo	$1,495 → $329

2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.

See your own numbers for Josephine County

Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.

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Cheapest Marketplace plans in Josephine County

Priced for a 40-year-old, full price. Every plan, with deductibles and copays, is in the tool once you enter your household.

Cheapest Bronze plans

Moda Health Affinity Bronze HDHP 7500Moda Health Plan, Inc. · EPO$504/mo at 40 · deductible $7,500 · max out-of-pocket $7,500

Core Bronze HSA 8300PacificSource Health Plans · EPO$507/mo at 40 · deductible $8,300 · max out-of-pocket $8,300

Moda Health Affinity Bronze 9000Moda Health Plan, Inc. · EPO$512/mo at 40 · deductible $9,000 · max out-of-pocket $9,500

Cheapest Silver plans

Core Silver 7500PacificSource Health Plans · EPO$590/mo at 40 · deductible $7,500 · max out-of-pocket $8,400

Moda Health Affinity Silver 6000Moda Health Plan, Inc. · EPO$604/mo at 40 · deductible $6,000 · max out-of-pocket $8,250

Moda Health Affinity Silver 4500Moda Health Plan, Inc. · EPO$621/mo at 40 · deductible $4,500 · max out-of-pocket $8,000

Cheapest Gold plans

Core Gold 3000PacificSource Health Plans · EPO$680/mo at 40 · deductible $3,000 · max out-of-pocket $8,000

Moda Health Affinity Gold 1500Moda Health Plan, Inc. · EPO$727/mo at 40 · deductible $1,500 · max out-of-pocket $7,900

Moda Health Oregon Standard Gold AffinityModa Health Plan, Inc. · EPO$745/mo at 40 · deductible $1,800 · max out-of-pocket $8,150

Private plans in Oregon

Private plan pricing for Oregon is not loaded online yet; an advisor quotes it by phone.

Questions people ask

What is the cheapest health insurance in Josephine County?

See the tables above for Josephine County.

How many health insurance companies sell Marketplace plans in Josephine County?

5 in 2026: BridgeSpan Health Company, Moda Health Plan, Inc., PacificSource Health Plans, Providence Health Plan, Regence BlueCross BlueShield of Oregon. Between them they offer 37 plans (37 EPO).

Do I qualify for a tax credit in Josephine County?

Marketplace premium tax credits apply when household income is between 100% and 400% of the federal poverty level, which for 2026 means up to $62,600 for one person or $128,600 for a family of four. Oregon expanded Medicaid, so incomes under 138% of the poverty level are usually covered there instead. Enter your income in the tool to see your estimate.

When can I enroll?

Marketplace Open Enrollment runs from November 1 to mid-January in most states, or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby. Private plans can be applied for any month of the year.

Nearby counties in Oregon

All Oregon counties →

Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.