ΣBenefitMath

Federal + stateFederal programs with state rules

Health Coverage Cost Calculator: Oregon & Washington

See whether your household lands on OHP, Apple Health, OHP Bridge or the marketplace in 2026, and what a plan costs after tax credits.

2026 change: the extra federal help from 2021–2025 expired, so help again stops above 400% of the poverty level. KFF

Your household
You, your spouse and anyone you claim
Modified AGI: usually your adjusted gross income plus any untaxed Social Security, tax-exempt interest and foreign income
Plan prices for your household Get these by previewing plans at OregonHealthCare.gov or WAHealthplanfinder.org. They depend on your ages and county.
The "benchmark" plan your tax credit is based on

Example numbers are filled in, including example plan prices. Replace them with yours.

Common questions

How the marketplace tax credit is figured
  1. Your income is compared to the poverty guideline for your household size. For 2026 coverage, the marketplace uses the 2025 guidelines.
  2. That percentage sets how much of your income you're expected to pay toward the benchmark (second-lowest-cost silver) plan: from 2.10% to 9.96% in 2026.
  3. Your tax credit is the benchmark price minus that expected amount. You can use it on any metal-level plan.
  4. Above 400% of the poverty level, there's no credit in 2026.
What if my income changes during the year?

Report changes to the marketplace. The credit is settled on your tax return; for 2026, most people have to pay back the full amount of any extra credit they got.

Why does OHP or Apple Health use a different income?

Medicaid programs look at your current monthly income, while the marketplace looks at your expected income for the whole year. This page uses one-twelfth of the yearly figure for the monthly check; your actual monthly income is what counts.

What about people 65 and older?

Most people 65 and older get Medicare instead. See the Medicare Savings Programs in the benefits calculator for help with Medicare costs.

Sources7 sources · checked October 12, 2026

Every figure on this page links to one of these. Tap any source label to see what it says. All checked October 12, 2026.

  • HHS poverty guidelines (2026 and prior years)U.S. Department of Health and Human Services48 states and DC. 2026: $15,960 for one person plus $5,680 per additional person. 2025: $15,650 plus $5,500. Marketplace credits for 2026 coverage use the 2025 figures.
  • Rev. Proc. 2025-25: 2026 applicable percentage tableInternal Revenue ServiceShare of income expected toward the benchmark silver plan in 2026: 2.10% under 133% of poverty, rising to 9.96% from 300% to 400%. Required contribution for job-based coverage affordability: 9.96%.
  • Recent changes to marketplace premium subsidiesKFFThe enhanced premium tax credits expired at the end of 2025 and had not been renewed. For 2026, some immigrants lose eligibility, and most people must repay the full amount of any excess advance credit.
  • OHP and Marketplace income chart (HIM 5063)Oregon Health AuthorityOHP 0–138% of poverty (gross monthly income); pregnant people up to 190%; children under 19 up to 305%; OHP Bridge 133–200% (annual income); premium tax credits 100–400%; cost-sharing reductions 100–250%.
  • OHP BridgeOregon Health AuthorityFor adults under 65 with income from 133% to 200% of poverty, no access to affordable insurance, and an eligible citizenship or immigration status. No member costs, like OHP Plus. Limits shown apply through February 2027.
  • Apple Health income and resource standards (effective Oct 1, 2026)Washington Health Care AuthorityAdults 19–64 up to 138% of poverty; children and pregnancy up to 215%; CHIP up to 265% ($20 premium) and 317% ($30 premium). Limits include a 5% income disregard.
  • Cascade Care Savings: 2026 budget requestWashington Health Benefit ExchangeState premium help for people up to 250% of poverty who are not eligible for Apple Health or Medicare. You must take all federal credits first and enroll in a silver or gold Cascade Care plan.