Oregon Cliff Calculator — 2026 ACA Subsidy

By Severance Calculator Editorial · Updated

Oregon Marketplace: Oregon Health Insurance Marketplace

Oregon uses a state-based marketplace on the federal platform (SBM-FP) called Oregon Health Insurance Marketplace. Oregon residents enroll at Oregon Health Insurance Marketplace — not HealthCare.gov.

Medicaid in Oregon: Oregon Health Plan (OHP)

Oregon expanded Medicaid under the ACA. Oregon Health Plan (OHP) covers adults to 138% FPL.

2026 SLCSP Benchmark Premiums (Oregon)

Statewide average monthly second-lowest-cost Silver plan (SLCSP) premiums by age. Actual premiums vary by rating area.

Age2130405060
Monthly SLCSP$400$454$511$714$1,085

2026 ACA Cliff Thresholds by Household Size (Oregon)

MAGI above these amounts zeros out the federal Premium Tax Credit. FPL region: contiguous48.

Household size12345
400% FPL cliff$62,600$84,600$106,600$128,600$150,600

Key Facts: Oregon ACA

Oregon launched OHP Bridge on July 1, 2024 — one of very few §1331 Basic Health Programs (BHP) operating in the United States. OHP Bridge provides coverage to adults earning between 138% and 200% FPL who exceed Oregon Health Plan (OHP) Medicaid eligibility. As the Oregon Health Authority states: 'Just like OHP Plus, OHP Bridge has no member costs. That means no premiums, no co-payments, no coinsurance and no deductibles.' The Oregon OHA also confirms: 'Adults with annual income between 133 and 200 percent of the federal poverty level (FPL) will have access to quality health insurance through OHP Bridge.' OHP Bridge is a §1331 BHP — it replaces marketplace coverage for that income band, not a premium subsidy stacked on marketplace enrollment.

Oregon is an SBM-FP (State-based Marketplace using Federal Platform) state for 2026. The Oregon Health Insurance Marketplace oversees plan certification and policy, but residents enroll through HealthCare.gov. Oregon's full transition to a fully independent SBM platform is planned for Plan Year 2027. There is no state premium subsidy backfill for marketplace enrollees above 200% FPL in 2026. Oregon Health Plan (OHP) covers Medicaid for adults up to 138% FPL.

Calculate your Oregon ACA cliff

Inputs default to Oregon; adjust to your household specifics. Cliff = $62,600 (HH=1) / $128,600 (HH=4).

Your situation

Member ages
self

Coverage

Income

You're under the cliff

100%138%200%300%400%

You are at 319% of the federal poverty level.

Annual PTC
$1,152
$96 / month
MAGI headroom before cliff
$12,600
until you hit 400% FPL

PTC dollar values use a state-level SLCSP estimate; verify your exact second-lowest-cost Silver plan on healthcare.gov for your zip.

Primary Sources

  1. Oregon OHA — OHP Bridge no member costs
    “Just like OHP Plus, OHP Bridge has no member costs. That means no premiums, no co-payments, no coinsurance and no deductibles.”
  2. Oregon OHA — OHP Bridge eligibility
    “Adults with annual income between 133 and 200 percent of the federal poverty level (FPL) will have access to quality health insurance through OHP Bridge.”
  3. Oregon OHA — OHP Bridge launch
    “Starting July 1, 2024, people in Oregon can visit Oregon's ONE system or use HealthCare.gov to apply for OHP Bridge coverage.”

FAQ — Oregon ACA Cliff

What is the 2026 ACA subsidy cliff in Oregon?
For a household of 1, MAGI above $62,600 (400% of the 2025 FPL contiguous-48 base) zeros out the federal Premium Tax Credit under IRS Rev. Proc. 2025-25. Household of 4: $128,600. Oregon has no state premium subsidy backfill for marketplace enrollees. However, adults at 138-200% FPL are covered by OHP Bridge (the §1331 BHP) rather than the marketplace.
What is OHP Bridge?
OHP Bridge is Oregon's §1331 Basic Health Program (BHP), launched July 1, 2024. It covers adults earning between 133% and 200% FPL with $0 premiums, $0 deductibles, $0 co-payments, and $0 coinsurance — identical cost-sharing to OHP Plus (Medicaid). OHP Bridge replaces marketplace coverage for that income band; it is not a marketplace premium subsidy. Apply through Oregon's ONE system (one.oregon.gov) or HealthCare.gov.
What is Oregon's marketplace type in 2026?
Oregon is an SBM-FP (State-based Marketplace using Federal Platform) for 2026. The Oregon Health Insurance Marketplace oversees plan certification and state-level policy, but Oregon residents enroll through HealthCare.gov, not a separate state portal. Oregon's full transition to a standalone SBM platform is planned for Plan Year 2027.
What is Oregon Health Plan (OHP)?
Oregon Health Plan (OHP) is Oregon's Medicaid program. OHP Plus covers adults with income up to 138% FPL. OHP Bridge covers adults at 138-200% FPL (see above). Oregon expanded Medicaid under the ACA in 2014. Apply at one.oregon.gov year-round.
How do I enroll in 2026 coverage in Oregon?
Oregon uses HealthCare.gov for marketplace enrollment (SBM-FP for 2026). Open enrollment runs November 1 through January 15. OHP (Medicaid) and OHP Bridge accept applications year-round at one.oregon.gov for adults at or below 200% FPL.
Does Oregon have a state premium subsidy backfill?
No — Oregon has no state premium subsidy backfill in 2026. OHP Bridge is a §1331 BHP providing zero-cost coverage for 138-200% FPL adults outside the marketplace — it is not a premium subsidy stacked on marketplace PTCs. Above 200% FPL, Oregon residents rely solely on the federal PTC until the 400% FPL cliff.
How is SLCSP calculated for Oregon?
The 2026 statewide SLCSP age-band averages for Oregon are: Age 21: $400/mo, Age 30: $454/mo, Age 40: $511/mo, Age 50: $714/mo, Age 60: $1,085/mo. These are statewide averages. The federal cliff distance (income vs. 400% FPL) is exact regardless of SLCSP precision.

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