Health Insurance in Madras, OR

The Affordable Care Act (ACA) open enrollment period for health insurance in Oregon runs from November 1, 2025, to January 15, 2026. To have your health coverage start on January 1, 2026, you must enroll by December 15, 2025. If you apply between December 16 and January 15, your coverage will begin on February 1, 2026.

If you qualify for the Oregon Health Plan (OHP)—Oregon’s Medicaid program—you can enroll any time of year. In addition, special enrollment periods are available if you’ve experienced a qualifying life event like losing coverage, moving, or having a child.

Use the Oregon Health Insurance Marketplace’s free Window Shopping tool to view plans, compare health insurance plans, and explore your options for 2025.

Most people become eligible for Medicare at age 65, even if they’re still working. You can sign up during your Initial Enrollment Period (IEP), which begins three months before your 65th birthday, includes your birth month, and continues for three months after.

If you're already receiving Social Security benefits when you turn 65, you’ll typically be enrolled in Medicare Part A and Part B automatically. If not, you'll need to apply manually through the Social Security Administration.

If you miss your IEP, you may have to wait for the General Enrollment Period and could face a penalty unless you qualify for a Special Enrollment Period.

Oregon residents can choose from a wide variety of health insurance options depending on their income, age, and healthcare needs. Whether you're looking for individual insurance plans, coverage for your family, or employer-sponsored benefits, there’s a policy to fit your goals and budget.

You may qualify for the Oregon Health Plan (OHP)—the state’s Medicaid program—or explore private health insurance through the Marketplace. We help clients compare insurance coverage options from leading providers that include medical, dental, and supplemental life insurance benefits.

Our team assists with applications during the annual enrollment period, as well as special enrollment due to qualifying life events. If you’re unsure which health plan to choose or how to maximize your coverage, we’re here to help.

At Bend Health Insurance, our licensed agents make it easy to understand your choices and select the right insurance, so you can get the care you need and feel fully covered.

Yes! We offer hands-on support for ACA health insurance enrollment in Madras, OR—whether you're applying for the first time or updating your existing policy. Our team helps you compare insurance plans on and off the Marketplace, including Oregon Health options, private carriers, and medical insurance tailored to your needs.

We assist individuals, families, and small businesses with choosing individual or group plans, managing your enrollment period, and understanding the fine print of each policy. Whether you're seeking health coverage, supplemental life insurance, or guidance on auto or renters insurance, our goal is to make the process easy and transparent.

You can meet with us over Zoom or the phone for personalized help, or schedule an in-person consultation at our Eagle Crest office—whatever works best for you.

And yes, if you're looking to work with a local agent in Madras or want to explore providers like Insure Pacific or HealthMarkets Insurance, we’re happy to help you evaluate your options and choose the best path forward.