Salem, OR — During the 2026 Open Enrollment period, 118,372 people in Oregon enrolled in health coverage through the Oregon Health Insurance Marketplace, which offers private health insurance for those who don’t have coverage through their employer, Medicaid or Medicare. Nearly 60 percent of enrollees who applied for financial assistance received help in 2026, compared to 80 percent in 2025. While enrollment dipped about 15 percent resulting in 21,316 fewer people obtaining coverage through the Marketplace, the fact that most re-enrolled indicates people in Oregon continue to value access to quality health care.  At the same time, 2026 enrollment patterns highlight growing challenges. The expiration of federal enhanced federal premium tax credits resulted in higher costs for many consumers, particularly middle-income households that no longer qualified for the same level of financial support. Individuals with incomes between 200-400 percent of the Federal Poverty Level saw premium increases of $90-$165. Marketplace enrollment partners reported that increased premiums led some individuals and families to delay enrollment, select plans with higher out-of-pocket costs, or forgo coverage altogether.  “We continue to see how critical financial assistance is in helping people get and stay covered,” said Chiqui Flowers, director of the Marketplace. “As enhanced premium tax credits expired, many people in Oregon faced difficult choices about affordability. Even so, thousands took steps to protect their health and financial security by enrolling in coverage.”  Although the 2026 Open Enrollment period ended Jan. 15, 2026, the Marketplace remains focused on closing coverage gaps and advancing health equity by supporting hard-to-reach communities and ensuring each person in Oregon understand their health coverage options.  The Marketplace encourages individuals who secured coverage for 2026 to:  Pay their first month’s premium so their health coverage fully activates; Review their health plan’s provider network to confirm their preferred doctors and clinics are covered--if preferred providers are no longer in-network, their insurance company can help identify nearby providers accepting new patients; Schedule no-cost preventive services, such as annual checkups, vaccinations, and recommended screenings; and Explore available benefits, including mental health services, reproductive health care, and prescription drug savings.  Individuals with questions about their health plan are encouraged to contact their insurance company directly for personalized assistance. Contact information can be found in member booklets or on the back of insurance cards.  For those who missed the Open Enrollment deadline, coverage options may still be available. People who experience qualifying life events--such as moving, losing other health coverage, having or adopting a child, getting married, a change in citizenship or immigration status, or being released from incarceration--may qualify for a Special Enrollment Period. In addition, enrolled Tribal members, Alaska Natives, and individuals with lower incomes may apply for health coverage year-round.