Core Silver 4500
Silver · EPO · PacificSource Health Plans · Oregon
At age 40 it costs between $590 and $663 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $4,500 | $9,750 | $30 | 30% Coinsurance after deductible |
| up to 150% of the federal poverty level | $400 | $850 | $20 | 25% Coinsurance after deductible |
| 150% to 200% | $1,050 | $2,500 | $25 | 30% Coinsurance after deductible |
| 200% to 250% | $3,800 | $7,500 | $30 | 30% Coinsurance after deductible |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 10091OR0770004 |
|---|---|
| Insurer | PacificSource Health Plans |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $4,500 |
| Deductible (family) | $9,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,750 |
| Family maximum | $19,500 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 30% Coinsurance after deductible |
| Inpatient stay | 30% Coinsurance after deductible |
| Generic drugs | 30% Coinsurance after deductible |
| Preferred brand drugs | 30% Coinsurance after deductible |
| Specialty drugs | 30% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 99.99% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-977-9299 · TTY 1-800-735-2900 |
Where it is sold, and what it costs there
36 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Clackamas County | $461 | $524 | $590 | $824 | $1,252 |
| Deschutes County | $461 | $524 | $590 | $824 | $1,252 |
| Klamath County | $461 | $524 | $590 | $824 | $1,252 |
| Lake County | $461 | $524 | $590 | $824 | $1,252 |
| Multnomah County | $461 | $524 | $590 | $824 | $1,252 |
| Washington County | $461 | $524 | $590 | $824 | $1,252 |
| Yamhill County | $461 | $524 | $590 | $824 | $1,252 |
| Marion County | $480 | $545 | $614 | $858 | $1,304 |
| Polk County | $480 | $545 | $614 | $858 | $1,304 |
| Baker County | $490 | $556 | $626 | $875 | $1,330 |
| Crook County | $490 | $556 | $626 | $875 | $1,330 |
| Douglas County | $490 | $556 | $626 | $875 | $1,330 |
| Gilliam County | $490 | $556 | $626 | $875 | $1,330 |
| Grant County | $490 | $556 | $626 | $875 | $1,330 |
| Harney County | $490 | $556 | $626 | $875 | $1,330 |
| Hood River County | $490 | $556 | $626 | $875 | $1,330 |
| Jackson County | $490 | $556 | $626 | $875 | $1,330 |
| Jefferson County | $490 | $556 | $626 | $875 | $1,330 |
| Josephine County | $490 | $556 | $626 | $875 | $1,330 |
| Malheur County | $490 | $556 | $626 | $875 | $1,330 |
| Morrow County | $490 | $556 | $626 | $875 | $1,330 |
| Sherman County | $490 | $556 | $626 | $875 | $1,330 |
| Umatilla County | $490 | $556 | $626 | $875 | $1,330 |
| Union County | $490 | $556 | $626 | $875 | $1,330 |
| Wallowa County | $490 | $556 | $626 | $875 | $1,330 |
| Wasco County | $490 | $556 | $626 | $875 | $1,330 |
| Wheeler County | $490 | $556 | $626 | $875 | $1,330 |
| Clatsop County | $499 | $567 | $638 | $892 | $1,356 |
| Columbia County | $499 | $567 | $638 | $892 | $1,356 |
| Coos County | $499 | $567 | $638 | $892 | $1,356 |
| Curry County | $499 | $567 | $638 | $892 | $1,356 |
| Lincoln County | $499 | $567 | $638 | $892 | $1,356 |
| Tillamook County | $499 | $567 | $638 | $892 | $1,356 |
| Benton County | $519 | $589 | $663 | $926 | $1,407 |
| Lane County | $519 | $589 | $663 | $926 | $1,407 |
| Linn County | $519 | $589 | $663 | $926 | $1,407 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.