Health coverage and medical bill help in Oregon
Oregon has more paths to health coverage than almost any state. The Oregon Health Plan (OHP) is free coverage for lower incomes. OHP Bridge covers people who make a little too much for regular OHP. Above that, Marketplace subsidies cut monthly premiums.
If you already have medical bills, don't skip hospital financial assistance: Oregon law makes larger hospitals reduce or forgive bills for many households — even ones with insurance. It can apply to bills you already received.
Not sure which of these fit you? Answer a few questionsand we’ll rank all of them for your household.
23 programs
ACA Marketplace Premium Tax Credit
A subsidy that lowers your monthly premium for a private health plan bought through the Marketplace (HealthCare.gov). Paid straight to your insurer or claimed at tax time. This is the main help for people who earn too much for the Oregon Health Plan.
For: People who buy their own coverage through the marketplace, earn too much for the oregon health plan (about 138% of poverty) but under about 400%, and don't have affordable job-based coverage · verified 2026-07-19
Medical, dental, and behavioral health coverage, plus transportation to medical appointments and other health-related services, at no cost to the member, for adults whose income is too high for regular OHP but still within OHP Bridge's income rule.
For: People 19 to 64, and homes making under about $2,660 a month (for 1 person) — adults whose income is above regular ohp limits (about 138% of the poverty level) but at or below 200% · verified 2026-07-19
Health coverage (Oregon Health Plan / Medicaid)
For: People who already have ssi or the oregon health plan or homes making under about $1,840 a month (for 1 person) · verified 2026-07-19
A discount that lowers your deductibles, copays, and out-of-pocket max on a Marketplace health plan. Stacks on top of the premium subsidy.
For: Homes making under about $3,330 a month (for 1 person) — marketplace enrollees who pick a silver plan; biggest savings under 150% of poverty · verified 2026-07-06
Breast and Cervical Cancer Treatment Program (BCCTP)
Full Oregon Health Plan coverage, including cancer treatment, for people diagnosed with breast or cervical cancer who don't have other coverage — no matter their immigration status. A provider refers you after a screening.
For: Homes making under about $3,330 a month (for 1 person) — people screened or diagnosed with breast or cervical cancer who need treatment coverage · verified 2026-07-05
CAREAssist (Oregon AIDS Drug Assistance Program)
Pays for HIV medications and related drugs, and can also cover insurance premiums and copays. Up to $20,000 of help a year.
For: Homes making under about $7,320 a month (for 1 person) — oregonians living with hiv · verified 2026-07-06
Kaiser Permanente NW Medical Financial Assistance
Help covering urgent or medically necessary Kaiser Permanente care for low-income, uninsured, or underinsured patients — 100% off at or below 200% of poverty, scaling down up to 400%.
For: Homes making under about $5,320 a month (for 1 person) — kaiser permanente nw patients who can't afford the bill · verified 2026-07-06
Legacy Health Financial Assistance
Sliding-scale financial help for care at Legacy Health hospitals, plus no-cost payment plans. Apply before, during, or after care. Call 1-800-495-7076.
For: Homes making under about $5,320 a month (for 1 person) — legacy health patients who can't afford the bill · verified 2026-07-06
Multnomah County Immigrant & Refugee Health Services
Medical screening and shots, prescriptions, help with school and green-card health forms, and case management in many languages, with a program to help new arrivals learn the U.S. health system.
For: People who live in multnomah county — refugees, asylum seekers, and new immigrants living in multnomah county · verified 2026-07-06
Culturally grounded medical, dental, mental health, and substance use care through a community health center, plus social services and housing support.
For: American indians and alaska natives (and others) in portland seeking care · verified 2026-07-06
Nurse-Family Partnership / Healthy Families Oregon
Free in-home visits from a nurse or family worker through pregnancy and early childhood.
For: People who are pregnant or families with kids — new and expecting parents (nurse-family partnership is for first-time moms 28 weeks pregnant or less who meet income limits) · verified 2026-07-19
OHSU Financial Assistance (charity care)
Free or discounted care at OHSU (and OHSU Health partners Hillsboro Medical Center and Adventist Health Portland) for emergency and medically necessary care. Household income at or below 300% of the Federal Poverty Level gets free care; between 300% and 400% gets a 65% discount.
For: Homes making under about $5,320 a month (for 1 person) · verified 2026-07-05
Oregon Prescription Drug Program / ArrayRx Discount Card
A free, state-sponsored discount card that saves up to 80% on generic drugs and up to 20% on brand-name drugs. Use it when you have no drug coverage.
For: Anyone who needs it — no application · verified 2026-07-06
Oregon Reproductive Health Program
Free or low-cost birth control, pregnancy testing and counseling, and STI services, with no copays.
For: Homes making under about $3,330 a month (for 1 person) · verified 2026-07-06
Primary care, mental health, HIV/STI testing, women's and transgender care, and an on-site pharmacy on a sliding fee scale. No one is turned away for inability to pay.
For: People living in poverty or homelessness, with a focus on lgbtqia2s+ and homeless youth · verified 2026-07-06
Bundles ALL medical, dental, prescription, adult day, in-home, and transportation care under one plan so a nursing-home-eligible senior can stay home. Usually no premium for dual-eligibles.
For: People 55 or older — adults 55+ who need nursing-home level care but want to stay home, and are medicaid-eligible · verified 2026-07-06
Providence Financial Assistance (Charity Care)
Free or discounted care (up to 100% off) for uninsured and underinsured patients at Providence hospitals and clinics, plus interest-free payment plans. Apply before, during, or after care. Call 1-855-229-6466.
For: Homes making under about $5,320 a month (for 1 person) — providence patients who can't afford the bill · verified 2026-07-06
Ryan White Part B (HIV Case Management & Support Services)
Case management and help paying for HIV care, medicine, and other costs so you can stay in treatment.
For: People living with hiv or aids — financial help for care and medicine is for household incomes at or below 300% of the federal poverty level (case management up to 550%) · verified 2026-07-05
SHIBA (Senior Health Insurance Benefits Assistance)
Free, confidential help from certified counselors to understand Medicare, compare plans, avoid penalties, and find income-based help. They don't sell insurance.
For: People who have medicare or are approaching it, and their families · verified 2026-07-06
A community clinic offering primary medical and dental care on a sliding fee scale for the uninsured. No one is turned away for inability to pay.
For: Uninsured people in the portland/gresham area (sliding-scale by income) · verified 2026-07-06
VA Women Veterans Program & Military Sexual Trauma (MST) Care
Coordinated women's health care, plus free counseling and treatment for military sexual trauma — even for veterans normally ineligible for VA care.
For: Women veterans, and any veteran who experienced sexual assault, harassment, or domestic violence during service · verified 2026-07-06
Vaccines for Children (VFC) Program
Free recommended vaccines for children through participating clinics and county health departments.
For: Children 18 and under who are uninsured, on the oregon health plan, or native (underinsured kids qualify at community health centers) · verified 2026-07-06
Oregon Tobacco Quit Line (1-800-QUIT-NOW)
Free coaching plus about 2 weeks of free nicotine patches or gum to get started. Available 24/7 in many languages.
For: Anyone who needs it — no application · verified 2026-07-06