KP OR Silver 4000
Silver · EPO · Kaiser Permanente · Oregon
At age 40 it costs between $527 and $572 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 | $4,000 | $8,600 | $40 | $25 |
| up to 150% of the federal poverty level | $100 | $2,000 | $5 | $5 |
| 150% to 200% | $800 | $3,000 | $25 | $10 |
| 200% to 250% | $3,200 | $7,700 | $35 | $20 |
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 | 71287OR0420012 |
|---|---|
| Insurer | Kaiser Permanente |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $4,000 |
| Deductible (family) | $8,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,600 |
| Family maximum | $17,200 |
| Primary care visit | $40 |
| Specialist visit | $70 |
| Emergency room | $350 Copay after deductible |
| Inpatient stay | 35% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $75 |
| Specialty drugs | 50% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 99.86% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-800-801-1270 · TTY 1-800-735-2900 |
Where it is sold, and what it costs there
11 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 | $413 | $468 | $527 | $737 | $1,120 |
| Columbia County | $413 | $468 | $527 | $737 | $1,120 |
| Hood River County | $413 | $468 | $527 | $737 | $1,120 |
| Multnomah County | $413 | $468 | $527 | $737 | $1,120 |
| Washington County | $413 | $468 | $527 | $737 | $1,120 |
| Yamhill County | $413 | $468 | $527 | $737 | $1,120 |
| Marion County | $427 | $485 | $546 | $763 | $1,159 |
| Polk County | $427 | $485 | $546 | $763 | $1,159 |
| Benton County | $448 | $508 | $572 | $800 | $1,215 |
| Lane County | $448 | $508 | $572 | $800 | $1,215 |
| Linn County | $448 | $508 | $572 | $800 | $1,215 |
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.
Get told when this changes
When this plan’s price or benefits change.
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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.