Need help? 

Frequently Asked Questions

What should I do if I don’t have health insurance?

I recently lost my health insurance. What should I do?

  • COBRA Coverage: Allows temporary continuation of employer-provided insurance. Check with your HR department for eligibility.

  • Special Enrollment Period (Marketplace): Losing coverage qualifies you for a special enrollment period through HealthCare.gov

  • Medicaid/OHP: You may be eligible if your income has changed.

What if I can’t pay my deductible or premium?

  • Premium Assistance Programs: Check if your employer or insurance plan offers assistance.

  • Charitable Organizations: Groups like 211Info and Project Access NOW may offer help.

  • Health Savings Accounts (HSAs): If available, use pre-tax dollars for healthcare expenses.

If I don't qualify for the Oregon Health Plan, what are my options?

  • Marketplace Plans (HealthCare.gov): Subsidies may be available based on your income.

  • Short-Term Health Plans: Temporary plans for emergency coverage. Be aware they may not cover pre-existing conditions.

  • Community Health Centers: Offer affordable care on a sliding scale regardless of insurance status.

What happens if I miss open enrollment?

  • Special Enrollment Period: You can still apply if you experience a qualifying event, such as marriage, childbirth, or job loss.

  • Medicaid (OHP): Enrollment is year-round if you meet income requirements.

What if I’m self-employed or a freelancer?

  • HealthCare.gov Plans: Small business owners and freelancers often qualify for subsidies.

  • Oregon Small Business Health Options Program (SHOP): Provides options for self-employed individuals.

Are there resources for seniors who aren’t eligible for Medicare?

  • Oregon Health Plan: May cover low-income seniors under 65.

  • State Assistance Programs: Help bridge coverage gaps until Medicare eligibility.

Where can I find dental insurance?

  • HealthCare.gov: Offers plans with dental coverage.

  • Oregon Health Plan (OHP): Includes dental for eligible participants.

  • Standalone Dental Plans: Research local providers for affordable options.

How can I get mental health care if I don’t have insurance?

  • Community Mental Health Programs: Offer free or low-cost services.

  • Nonprofits: Organizations like NAMI Oregon provide resources and referrals.

  • Oregon Health Plan: Includes mental health services for eligible participants.

What resources exist for rural residents?

  • Telehealth Services: Many providers offer virtual appointments.

  • Rural Health Clinics (RHCs): Provide primary care in underserved areas.

  • Mobile Clinics: Offer periodic services in rural communities.

What assistance is available for families with children?

Are there health insurance options for college students?

  • School-Sponsored Health Plans: Often available to enrolled students.

  • Marketplace Plans: Many students qualify for subsidies based on independent income.

What should I do if I have unexpected medical bills?

  • Hospital Financial Assistance Programs: Most hospitals offer payment plans or charity care.

  • Medical Debt Negotiation: Ask providers about discounts for upfront payments.

Where can I get help choosing the right plan?