Individual & Family Health Insurance in Bend, OR for 2027
Free help from a local, certified Explore Health agency
If you buy your own health insurance, 2027 brings big changes in Deschutes County: a new state marketplace, fewer insurance companies and higher premiums. Bend Health Insurance is a local agency and a certified Explore Health marketplace agency. We help Bend residents compare plans, check doctors and prescriptions, and apply for financial help. There's no cost to you for our help.
Get a free plan review: https://bendhealthinsurance.com/contact-us
Call (541) 668-5687 for help today.
What's changing for 2027 in Bend
2027 open enrollment: November 1, 2026 to January 15, 2027
• New marketplace: starting with 2027 coverage, Oregon residents enroll through Explore Health (ExploreHealthOR.gov), Oregon's own marketplace, instead of HealthCare.gov.
• Fewer insurance companies: PacificSource and Providence are leaving Oregon's individual market, and Moda is leaving Deschutes County. In 2027, individual plans in Deschutes County come from BridgeSpan and Regence.
• Higher rates: Oregon approved an average individual-market rate increase of 21.6% for 2027.
• If your insurer is leaving: you'll be matched with a similar plan from another company for automatic re-enrollment. That plan may not include your doctors or fit your budget, so compare your options during open enrollment.
Read our full guide: 2027 carrier changes guide
2027 open enrollment dates:
• November 1, 2026: Open enrollment starts on Explore Health
• December 31, 2026: Enroll by this date for coverage starting January 1, 2027
• January 1–15, 2027: Enroll in this window for coverage starting February 1, 2027
• January 15, 2027: Open enrollment ends
Tip: don't wait until the last week. Finishing by mid-December leaves time to fix document requests or payment problems.
After January 15, you'll need a qualifying life event (moving, losing other coverage, marriage, a new baby and others) to enroll. You usually have 60 days from the event. Oregon Health Plan (OHP) enrollment is open all year.
Financial help and plan options
Premium tax credits and on- and off-marketplace plans
• Financial help is only available for plans bought through the marketplace (Explore Health), and it depends on your household income and size.
• The extra pandemic-era subsidies have ended. For 2027, premium tax credits are generally available to households earning between 100% and 400% of the federal poverty level. That's up to about $63,840 for a single person or $132,000 for a family of four.
• Above that income, there's no premium tax credit, so comparing plans carefully matters even more.
• Some lower-income households may qualify for the Oregon Health Plan (OHP) instead.
We'll help you estimate your income for 2027 and see what you qualify for.
On- and off-marketplace plans: We can help with plans bought through Explore Health (with or without financial help) and plans bought directly from an insurance company. Choosing the right route can matter as much as choosing the right plan.
Why work with a local agent?
Local, certified and at no cost to you
• Local: our office is in Redmond, and we've helped Central Oregon residents for more than 30 years.
• Certified marketplace agency: we can help you apply on Explore Health and handle the follow-up.
• No cost to you: insurance companies pay us, and your premium is the same as enrolling on your own.
• Help all year: for life changes, ID cards, billing questions and next year's renewal.
Frequently asked questions
2027 health insurance in Bend and Oregon
When is open enrollment for 2027 in Oregon?
November 1, 2026 to January 15, 2027. Enroll by December 31, 2026 for coverage starting January 1, 2027. If you enroll January 1–15, coverage starts February 1, 2027.
Do I still use HealthCare.gov?
No. Starting with 2027 coverage, Oregon residents use Explore Health (ExploreHealthOR.gov), Oregon's own marketplace.
My PacificSource, Providence or Moda individual plan is ending. What should I do?
Your insurer will send a notice, and the marketplace matches affected members with another plan for automatic re-enrollment. Before December 31, compare your options to make sure your doctors and prescriptions are covered. See our 2027 carrier changes guide or call us.
Which insurance companies offer individual plans in Deschutes County for 2027?
BridgeSpan and Regence, according to the Oregon Division of Financial Regulation.
Can I get help paying my premium?
Possibly. Financial help depends on household income and size, and it's only available through Explore Health. For 2027, it's generally available up to 400% of the federal poverty level (about $63,840 for one person or $132,000 for a family of four).
Does it cost more to use an agent?
No. Insurance companies pay us, and your premium is the same whether you use us or enroll on your own.
Free 2027 plan review
Contact Bend Health Insurance
Phone: (541) 668-5687
Email: gary@bendhealthinsurance.com
Address: 7555 Falcon Crest Dr, Suite 206, Redmond, OR 97756
Hours: Mon–Fri 9:00 am – 6:00 pm · Saturday and Sunday closed
Request my free plan review: https://bendhealthinsurance.com/contact-us
Preview plans yourself anytime with Explore Health's free Plan Guide at ExploreHealthOR.gov. Questions? Call us at (541) 668-5687.
