What are the average healthcare costs in Oregon?

1 min read by Unbiased team Last updated June 28, 2024

Unpack the financial impact of healthcare expenses for individuals and families in Oregon and learn how to mitigate them.


  • Common Oregon healthcare costs include $93 to $143 for a doctor's visit and $417 for an annual physical. 

  • Long-term care costs in Oregon average $5,825 per month for assisted living and between $14,585 and $15,208 per month for nursing home care. 

  • In 2021, the average annual health insurance premium for individuals in Oregon was $7,418, while for families it was $20,916. 

How much are insurance premiums in Oregon? 

Oregon healthcare insurance premiums vary widely based on factors like plan type, coverage level, and whether the plan is for an individual or a family.  

Various healthcare companies in Oregon determine these premiums, each offering different plans and pricing structures. 

The average cost of healthcare insurance in Oregon is $488 per month, while family plans can range from $1,300 to $2,000 per month. These figures can fluctuate depending on the specific plan features and the insurance provider. 

Oregon's insurance premiums for individuals are slightly higher than the national average of $477. Family plans are competitive and align closely with national figures.  

How do healthcare costs compare in Oregon? 

Common healthcare costs in Oregon can vary significantly.  

A standard doctor's visit might cost between $93 and $143, while an emergency room visit can easily exceed $1,000. Hospital stays average around $4,000 per day, making Oregon one of the most expensive states in the nation for hospitalization.  

Several factors influence healthcare costs in Oregon, including the specific location within the state, the type of care required, and the healthcare provider.  

Urban areas like Portland may have higher costs due to increased demand and higher living expenses, while rural areas might offer lower prices but have limited access to care. 

Oregon's healthcare costs are somewhat similar to those of neighboring states. For example, a doctor’s visit in California might cost between $103 and $158, and in the Washington region, it might cost between $99 and $151. States like Idaho ($84 - $128) offer slightly lower costs but with less extensive healthcare networks. 

What are the long-term care costs in Oregon? 

Long-term care costs for healthcare in Oregon vary widely.  

Assisted living costs an average of $5,825 per month, ranging from $5,550 in Salem to $6,770 in Grants Pass and Medford.  

Nursing home care is significantly higher, with semi-private rooms averaging $14,585 per month and private rooms at $15,208.  

Costs vary by location, with Salem having the lowest semi-private room cost at $9,034 per month and Eugene the highest at $15,208. 

Planning for these expenses is crucial as they can quickly deplete savings. Long-term care insurance and other financial strategies, such as setting aside dedicated savings or exploring state assistance programs, can help mitigate these costs and provide peace of mind. 

What are the healthcare costs for individuals vs. families in Oregon? 

The costs of an Oregon healthcare plan for individuals and families differ significantly.  

In 2021, the average annual health insurance premium for individuals was $7,418, while for families, it was $20,916. Premium costs increased by 12% for single plans and 8% for family plans from 2019 to 2021. 

Deductibles have also seen significant increases.  

For individual plans, deductibles rose 84% between 2013 and 2021, while family plan deductibles increased by 34%. Out-of-pocket maximums also tend to be higher for families, adding to their financial burden compared to single individuals.  

Individuals and families can explore various strategies to minimize healthcare expenses.  

Choosing high-deductible health plans (HDHPs) paired with Health Savings Accounts (HSAs) can offer tax advantages and lower premiums. Additionally, utilizing preventive care services, comparing prices for medical procedures, and seeking generic medications can further reduce costs. 

What are the common medical visits and their costs in Oregon? 

Common medical visits in Oregon include annual check-ups, dental cleanings, and eye exams.  

An annual physical typically costs around $417. Dental cleanings can range from $100 to $200, and eye exams generally cost around $100 to $150. 

Comparing these Oregon healthcare costs to nearby states reveals some regional differences.  

For instance, annual physicals in California may cost $460 or more, while in Idaho, it will probably cost $375. These variations highlight the importance of regional context when considering healthcare expenses. 

How do you manage healthcare expenses in Oregon? 

Managing healthcare expenses in Oregon requires a proactive approach.  

Start by choosing the right insurance plan that fits your needs and budget.  

High-deductible health Plans (HDHPs) paired with Health Savings Accounts (HSAs) can provide significant savings and tax benefits. Additionally, always review your medical bills for errors and don't hesitate to negotiate costs with healthcare providers. 

Resources like the Oregon Health Authority's website and local non-profit organizations can help you find affordable healthcare services and better understand your insurance benefits.  

By making informed choices, you can access the best healthcare in Oregon while managing your costs effectively. 

Get expert financial advice 

Understanding Oregon's healthcare system involves navigating a complex array of costs, from insurance premiums to long-term care expenses. By staying informed about these costs and exploring strategies to manage them, you can ensure that you and your family receive the best possible care without jeopardizing your financial stability.  

Unbiased will connect you with a financial advisor for expert financial advice on navigating healthcare costs and optimizing your financial planning. 


Unbiased team

Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.