If you're raising a family in Bend, Oregon, you probably know how important health insurance is—and how confusing and expensive it can seem. The good news is there are some affordable options out there that can fit a variety of budgets and healthcare needs. Whether you’re self-employed, between jobs, or your current plan just isn’t cutting it, it’s worth taking some time to learn what’s available. You may even want to visit Oregon’s official health insurance marketplace website to compare different plans in one place.
Many families in Bend get their health insurance through the Oregon Health Plan (OHP), which is the state's version of Medicaid. If your household meets certain income limits, you may qualify for this free or low-cost coverage. OHP covers things like doctor visits, mental health care, prescriptions, dental care, and more. Applying is pretty straightforward, and the state provides help if you need assistance with the paperwork.
https://bendhealthinsurance.com/
For families who don’t qualify for OHP but still need affordable care, there are plans available through the Health Insurance Marketplace. Open Enrollment usually starts in the fall, but there are some special situations—like losing job-based insurance or having a baby—that can let you apply at other times. Many families are surprised to find they can get financial help, called subsidies, to lower their monthly costs based on their income.
If you're between jobs or waiting for new coverage to start, short-term plans could also be an option. These plans tend to cost less each month, but they don’t cover as much. They’re best for covering emergencies or unexpected illnesses rather than regular doctor visits or medications.
There are also health-sharing programs, which are not insurance but can help pay for medical costs through a group of people who agree to help each other. These programs aren’t for everyone and don’t work the same way traditional insurance does, so it’s important to read the fine print before signing up.
Lastly, local organizations in Bend, like Mosaic Community Health and Deschutes County Health Services, can help families find low-cost or sliding-scale services. Whether you’re looking for insurance or just trying to keep healthcare affordable, these local services are worth checking out.
No matter your situation, help is out there. A little research can go a long way in finding the right health plan for your family—without breaking the bank.