Individual Health Insurance

Helpful Information about Health Insurance

The Open Enrollment Period for ACA (Affordable Care Act) plan with a January 1, 2023 effective date is ONLY November 1, 2022 to December 15, 2022. It is important for you to review your options every year, and to update your tax credit.

Please call us if you have a life change that may qualify you for enrollment during the year, such as marriage, having a baby, moving here from another state, or losing Oregon Health Plan. We can update your household income anytime during the year.

If you would like to call us for an appointment to review your plan and tax credits for 2023, we can schedule those appointments in late October for the Open Enrollment Period in November and December. We will be open Saturdays to accommodate the high volume and short timeframe.

There are three levels of coverage to choose from with all ACA plans: Gold, Silver, and Bronze. We will check your prescriptions and provider networks for a good fit for your needs. The Federal Marketplace Exchange will mail or email notices to you regularly. It is a good thing to collect and save these messages.

We will use your 2022 estimated income in order to qualify you for tax credits; having information like a recent 1040 tax return or a recent pay stub can help us make that estimate as accurate as possible. If your income is over 400% of the Federal Poverty Level, then you may purchase a plan "Direct" from the insurance company during the Open Enrollment timeframe.

We regret that we are unable to process Oregon Health Plan applications. Please call OHP at 1-800-699-9075 for assistance, look for OHP Community Partners, or go to One.Oregon.gov for online enrollment.