Affordable Health Insurance for Everyone
We help individuals, families, and small businesses in Oregon and Washington find affordable coverage that fits their needs and budget, from ACA marketplace plans to private insurance options.
When Can You Enroll?
This is the most important question in individual health insurance. Timing determines whether you can get covered at all. Here's what you need to know before we talk.
The one guaranteed window each year when anyone can enroll in or change a marketplace plan, with no qualifying event required. For 2027 coverage, Oregon (Explore Health) and Washington (Healthplanfinder) both run November 1, 2026 through January 15, 2027. The last day for January 1 coverage is December 15 in Oregon and December 31 in Washington.
- Oregon: enroll by Dec 15 for January 1 coverage
- Washington: enroll by Dec 31 for January 1 coverage
- Compare plans and re-check subsidy eligibility
- Update household size and income information
Outside of Open Enrollment, certain life changes open a Special Enrollment Period. HealthCare.gov generally gives you 60 days (and you can often apply up to 60 days before expected loss of coverage). Loss of Medicaid or CHIP may allow 90 days. Miss the window, and you'll typically wait for the next Open Enrollment period.
- Losing job-based or other coverage
- Turning 26 and aging off a parent's plan
- Marriage, divorce, birth, or adoption
- Moving to Oregon or Washington
Not sure which window applies to you, or worried you're almost out of time?
The 60-day Special Enrollment clock starts the moment your qualifying event happens, not when you get around to dealing with it. The sooner we talk, the more options you'll have.
Types of Individual Health Insurance
We'll help you understand your options and find the right plan for your situation.
Plans available through the Health Insurance Marketplace with potential subsidies to lower costs.
- Essential health benefits covered
- Subsidies available based on income
- No pre-existing condition exclusions
Private plans that may offer different benefits or pricing structures than marketplace plans.
- Potentially lower premiums
- Different network options
- Flexible benefit designs
Oregon and Washington both cap short-term plans at 3 months with no renewals, so they only make sense for a brief gap, not as a long-term solution. Availability changes, so we'll confirm what's actually on the market before recommending one.
- Maximum 3 months in OR and WA, by state law
- No renewals; one-time use per gap
- Lower cost, but fewer required benefits than ACA plans
Understanding Plan Categories
ACA marketplace plans are organized into metal tiers based on how much they pay for covered services.
Lower monthly premiums, higher deductibles. Good for healthy individuals who want protection against major medical expenses.
Moderate premiums and deductibles. Most popular choice. Eligible for cost-sharing reductions if you qualify.
Higher premiums, lower deductibles. Good if you use medical services regularly or take expensive medications.
Save Money with Subsidies
Many people qualify for financial help to lower their health insurance costs. We'll help you understand what savings you may be eligible for.
Premium Tax Credits
Lower your monthly premium costs if your household income is between 100% and 400% of the federal poverty level.
Cost-Sharing Reductions
Lower your deductibles, copayments, and coinsurance with Silver plans if your income is between 100% and 250% of the federal poverty level.
Medicaid Expansion
Oregon expanded Medicaid, so you may qualify for free or low-cost coverage if your income is up to 138% of the federal poverty level.
Why Choose Nye Insurance for Individual Insurance?
With nearly 20 years of experience, we have the expertise to help you navigate all your individual insurance options.
Ready to Find Affordable Health Insurance?
Don't navigate the complex world of individual health insurance alone. We'll help you find affordable coverage that meets your needs. Get started with a no-cost consultation today.