Guide3 min read · Updated October 15, 2026 · En español
If your income is low enough, you can get health coverage at no cost in Oregon or Washington. Here are the limits, in monthly dollars.
| People in household | Monthly income limit (about) |
|---|---|
| 1 | $1,835 |
| 2 | $2,489 |
| 3 | $3,142 |
| 4 | $3,795 |
| Each extra person | Add about $653 |
This is income before taxes come out. It uses 138% of the 2026 federal poverty level. The states round a little differently, so treat these as close estimates.
In Oregon this program is OHP (Oregon Health Plan). In Washington it's Apple Health. Both are Medicaid.
| Who | Oregon | Washington |
|---|---|---|
| Children under 19 | Up to 305% of poverty | Up to 317% (small premium above 215%) |
| Pregnant people | Up to 190% of poverty | Up to 215% of poverty |
For a family of four, 305% of poverty is roughly $8,400 a month. So many working families who earn too much for adult coverage can still get free or low-cost coverage for their kids.
Most people 65 and older get Medicare instead, and there's separate help for Medicare costs.
You can apply any time of year. Have pay stubs and Social Security numbers handy. One application can also check you for SNAP in Oregon.
Not for most adults, children or pregnant people. Savings limits mostly apply to people 65 and older or with disabilities.
Medicaid looks at your current monthly income. Marketplace tax credits look at your expected income for the whole year.
Report the change. If you no longer qualify, you can move to a marketplace plan without waiting for open enrollment.
General information, not tax or legal advice. Rules change; the agency has the final say on your case.