smart health insurance of portland main logo

Oregon Health Plan (OHP) 
& Children’s Health Insurance Plan (CHIP)

man with dog looking for health isurance plans on computer | smart health insurance portland

Medicaid (OHP)

The Oregon Health Plan is health coverage for low-income Oregonians. This includes working families, children, pregnant women, single adults, seniors and more.

Their mission is to provide health coverage to low-income individuals and families, making sure they can access basic health care needs.

Their goals are Better Health, Better Care and Lower Costs:
Increase access to health care for low-income Oregonians
Improve the health of Oregonians by improving quality of care and access to preventive services
Contain the cost of health care

How To Qualify For The OHP:

You might qualify for Medicaid coverage (OHP) if your household income is below 138% of the federal poverty level.

During the process of determining your subsidy, you might end up qualifying for OHP and/or Children’s Health Insurance Plan. If that is the case the Health Insurance Marketplace will forward your already completed application to the Oregon Health Plan and they will make a determination.

Guidelines for reduced health coverage, or possibly at no cost, depending on your income level.

A tax credit can be used to lower your monthly insurance payment (called your “premium”) when you enroll in a plan through the Health Insurance Marketplace.

Income between 100% and 400% Federal Poverty Level (FPL): To qualify in Oregon your household income must be between 100% and 400% FPL to qualify for a premium tax credit that can lower your insurance costs

• Income above 400% FPL: If your income is above 400% FPL, you may now qualify for premium tax credits that lower your monthly premium for a Marketplace health insurance plan.

• You might qualify for Medicaid coverage if your household income is below 138% of the federal poverty level.

• You can use all, some, or none of your premium tax credit in advance to lower your monthly premium.

If you use more advance payments of the tax credit than you qualify for based on your final yearly income, you must repay the difference when you file your federal income tax return.

If you use less premium tax credit than you qualify for, you’ll get the difference as a refundable credit when you file your taxes.

You can buy health insurance through other sources, but the only way to get a premium tax credit is through the Health Insurance Marketplace.

How to determine your Premium Tax Credit Amount:

• Household size, zip code, and current year’s estimated household income.
• How to determine your income: What you need to determine is your Modified Adjusted Gross Income (MAGI).

This figure is used to determine eligibility for premium tax credits and other savings for Marketplace health insurance plans and for Medicaid and the Children's Health Insurance Program (CHIP). MAGI is adjusted gross income (AGI) plus these, if any: untaxed foreign income, non-taxable Social Security benefits, and tax-exempt interest.

• For many people, MAGI is identical or very close to adjusted gross income.

• MAGI doesn’t include Supplemental Security Income (SSI).

• MAGI does not appear as a line on your tax return.

Contact me to explore your OHP or CHIP options

Contact Me
smart health insurance in portland white logo for footer
Independent Health Insurance Agent
Lake Oswego, OR

Copyright Smart Health | All Rights Reserved | Privacy Policy | Web Design by Musimack Marketing

"Kaiser," "Kaiser Permanente", "Kaiser Foundation Health Plan" and the Kaiser Permanente Logo are registered trademarks or service marks of Kaiser Foundation Health Plan, Inc., in the United States. This Web site is owned and maintained by Smart Health, which is solely responsible for its content. This site is not maintained by or affiliated with Kaiser Permanente, and Kaiser Permanente bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to Smart Health and cannot be used to contact Kaiser Permanente.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram