Oregon Health Insurance Quotes
Instant Online Oregon Health Insurance Quotes And Applications From Portland Benefits Group.
Portland Benefits Group is a full-service health insurance agency and has been featured on KATU and in The Oregonian. We work with all of Oregon’s health insurance companies and are certified to process applications through the Healthcare.gov Marketplace. View health insurance rates and online applications on our website or call us today with any questions about health insurance. Our assistance is completely free as per the Affordable Care Act
Who are our carriers?
We work with the best of the best, offering many solutions to tailor coverage to your needs.
We also are contracting with new carriers frequently and some state specific carriers may not be listed.
All Information Submitted on this website is Private and NOT Sold to Hundreds of Insurance Agents LIKE OTHER SITES.
Portland Benefits Group Licensed Health Insurance Agency will provide you with quotes from any health insurance company in Oregon.
Health and Life Licenses held for Oregon along nationwide licenses to cover 45+ states.
Using a Health Insurance Agency to help you shop for health insurance quotes is completely free. Rates are fixed by law so the rates you see here are exactly the same as the rates you would get going directly to an insurance company, guaranteed!
Finding Affordable Health in Quotes in Oregon
Shopping for affordable health insurance in Oregon is getting easier. You can locate affordable medical health insurance quotes through our website for free. Portland Benefits Group works with all of the health insurance companies in Oregon, such as the Lifewise Health Plan of Oregon, Providence Health Plans, Kaiser Permanente, PacificSource, Assurant Health, Oregon’s Health Co-op, Regence BlueCross BlueShield, Health Republic and more. The quotes you get from us are exactly the same as you would get going directly to each insurer. More importantly, since we are Certified by the Federally Facilitated Marketplace, otherwise known as the Federal Health Care Exchange, and by Cover Oregon, the rates you get from us are the lowest allowed by law. When you work with us you are also guaranteed to get the largest subsidy that you are entitled to under the Healthcare Reform Law. Click the link above to view quotes from all of Oregon’s health insurance companies.
Cheap Oregon Health Insurance Quotes
You can easily find the cheapest health insurance in Oregon through our website. All health plans from all carriers are organized first by company, and then by price. A Bronze plan can be as little as half the cost of purchasing a Gold or Platinum plan and often times the out-of-pocket maximum (co-insurance maximum) is the same between Bronze, Silver, Gold, and Platinum. Unless, of course, you qualify for cost sharing on a silver or higher plan on the health exchange.
A big question that many shoppers face is the difference between plans that are inexpensive, and plans that provide great value. A bronze plan may be cheap, but it might not be your best value. If your income falls below 250% of the Federal Poverty Level, which is about $60,000 for a family of four, in addition to subsidies to help you pay for your health insurance, you will also qualify for COST SHARING assistance from the government to lower your deductible, copays, and out of pocket maximum. Please call for assistance with estimating your elgiblity for assistance through the health exchange. However, you only get the cost sharing when you buy a Silver level plan or better.
So here’s how that might look to a typical health insurance shopper. Let’s take a fairly typical family we deal with in our Portland office. Husband 35, wife 32, and two children, ages 8 and 6, with a household income of $40,000. The cheapest Bronze plan they could get through Healthcare.gov would be a Lifewise plan for $87 with their subsidy. For that they would have a family deductible of $10,500, and would only get discounts when they went to the doctor before their deductible is met, instead of having copays to make those doctors appointmnents more affordable.
However, if this same family stepped up to a Providence Silver plan, the premium would be $157/mo., with their subsidy, but their family deductible would only be $1,000, and they would only pay $10 to see a primary care doctor. In the long run, even though their premium is higher, the more expensive plan is a much better value and packs tremendous bang for the buck.
In looking at these comparison quotes there is no one hard answer for everyone. Each situation is unique. If you have a family or you’re over 40, you would probably want the better level of coverage. If you’re young, healthy, and single, you would probably opt for the cheaper health insurance quote.
Our agents are specially trained and Certified by the exchanges to help you obtain health insurance quotes, evaluate those quotes, and assist you in choosing the best plan for your needs and your budget. Once we have helped you select the best plan available for your unique situation, we will then help you throughout the application process. You won’t have to go it alone. So give us a call immediately.
Additinally, generous health exchange subsidies may be available for you. These subsidies pay part of your premium for you, so you only pay the difference. Keep this in mind when you view quotes and call us at 503-828-1970 to discuss your options.
Quotes For Health Plans in Oregon
Portland Benefits Group represents all major health insurance providers that provide health plans in Oregon. There is no additional cost for our service; the rates are the same whether you sort through all the options yourself or let us help you find the best plan for your needs.
This link will take you to our private quoting platform. Any data entered will be kept private and not shared with other agencies.
Obamacare is confusing and if you choose the wrong plan you could be forfeiting thousands of dollars in government assistance. We can help you understand all of your options under the new law, and assist you with the Cover Portland application process.
Portland Health Insurance Agents will answer your questions and get you enrolled today.
A Licensed Health Insurance Agent is free to use and can explain plans, discuss networks, calculate any financial assistance you are eligible for and then help you apply either through the exchange or directly with an insurance company.