OHP Income Limits (Oregon Health Plan, 2026)

OHP, the Oregon Health Plan, covers roughly 1.4 million Oregonians, more than one in three state residents as of 2026. Oregon was among the first states to implement Medicaid expansion under the Affordable Care Act, extending OHP Plus to adults under 138% of the Federal Poverty Level starting January 1, 2014. The 2026 Federal Poverty Level is $15,960 for a single person and $33,000 for a family of four in the 48 contiguous states, producing an OHP Plus adult threshold of $22,025 per year for a single person and $45,540 per year for a family of four. Unlike many state Medicaid programs, OHP delivers coverage through Coordinated Care Organizations (CCOs), regional managed-care entities that integrate medical, dental, and behavioral health services with no premiums, copays, or deductibles for members.

OHP eligibility splits into several groups. OHP Plus is the core Medicaid program covering adults 19-64 up to 138% FPL, children 0-18 up to 138% FPL (with Oregon CHIP extending coverage to 305% FPL), and pregnant women up to 190% FPL with 12 months of postpartum coverage. OHP Bridge, Oregon's Basic Health Program launched July 1, 2024, covers adults earning 138-200% FPL with the same zero-cost benefit package as OHP Plus. Aged, blind, and disabled adults use the Oregon Supplemental Income Program-Medical (OSIPM) with an income limit around $994 per month for an individual in 2026 and an asset test of $2,000. Nursing home and home-and-community-based services use OSIPM with a higher income limit of $2,982 per month for an individual. The household-size income table below covers the main OHP Plus thresholds for adults, children, and pregnant women.

The household-size table below shows the 2026 OHP income limits across the three main MAGI populations: adults and children (OHP Plus at 138% FPL) and pregnant women (OHP Plus Pregnant Women at 190% FPL). If your household income falls between 138% and 200% FPL, Oregon's OHP Bridge program provides essentially identical coverage to OHP Plus with no member costs. If your income exceeds 200% FPL but you have children, Oregon CHIP extends coverage to 305% FPL. If your income exceeds 400% FPL or you need marketplace coverage, Oregon uses the federal Healthcare.gov marketplace. If you are 65 or older with limited income and assets, check the Medicare Savings Programs section below for QMB, SLMB, and QI coverage.

OHP (Oregon Health Plan) income limits by household size (2026)

The 2026 OHP (Oregon Health Plan) income guidelines below are based on the 2026 Federal Poverty Level for the 48 contiguous states, effective March 1, 2026. Adult and Child columns = OHP Plus (138% FPL), covering adults 19-64 and children 0-18 without an asset test. Pregnancy column = OHP Plus for Pregnant Women (190% FPL), with 12 months of postpartum coverage. Oregon CHIP extends children's coverage further to 305% FPL (not shown in this table; see the CHIP cross-reference section below). Add roughly $5,680 of annual income per additional household member.

OHP (Oregon Health Plan) eligibility requirements (non-income)

Beyond income, OHP applicants must meet the following non-income requirements. The items below apply across the MAGI categories (OHP Plus for adults, children, and pregnant women) that handle the vast majority of applications. Aged, blind, and disabled adults under OSIPM follow a parallel set of SSI-linked rules including an asset test.

• Oregon residency: the applicant must currently live in Oregon with the intent to remain. There is no minimum length-of-residence requirement. Temporary visitors, tourists, and seasonal workers without a fixed Oregon address do not qualify unless they otherwise meet residency criteria.
• U.S. citizenship or qualifying immigration status: U.S. citizens, lawful permanent residents (after the federal 5-year bar in most cases), refugees, asylees, and certain other qualified immigrants qualify for full OHP Plus. Pregnant women and children under 21 are exempt from the 5-year bar under federal CHIPRA. Oregon uses state-only funds to cover certain non-citizen residents who do not meet federal immigration requirements for full OHP.
• Social Security Number: required for the applicant applying for OHP Plus. Applicants without an SSN may still apply for Emergency Medical Assistance for life-threatening conditions. Oregon allows applications for household members without SSNs where federal rules permit.
• Age: OHP Plus covers adults 19-64 and children 0-18. Adults 65 and older who are not disabled use Medicare as primary coverage and may qualify for OSIPM (aged/blind/disabled) or Medicare Savings Programs. Young adults 19-20 transitioning from foster care qualify through OHP regardless of income under the Chafee Foster Care Independence Program rules.
• Asset test: NOT applied for OHP Plus MAGI populations (adults, parents, children, pregnant women, OHP Bridge). An asset test of $2,000 for an individual ($3,000 for a couple) IS applied for OSIPM (aged/blind/disabled), with the primary home, one vehicle, and certain burial funds excluded. Long-term care OSIPM uses the same asset test plus a 60-month lookback period for asset transfers.
• Other health coverage: OHP applicants are not required to be uninsured. OHP coordinates as the payer of last resort. Members who also have Medicare are enrolled as dual-eligibles, with OHP covering Medicare cost-sharing and services not covered by Medicare.

What income counts for OHP (Oregon Health Plan)

OHP uses Modified Adjusted Gross Income (MAGI) rules for adults, parents, children, and pregnant women, based on the household's projected annual income as reported on the federal tax return. Oregon follows the standard federal MAGI definition established under the Affordable Care Act. Aged, blind, and disabled adults under OSIPM use SSI countable-income rules instead. The lists below cover the MAGI categories that handle the large majority of OHP applications. Oregon applies the federal 5% income disregard for adults, meaning the effective monthly income limit for an individual is $1,836 (138% FPL) rather than the bare 133% FPL threshold.

Income sources included

• Wages, salaries, tips, and overtime pay (gross, before payroll taxes and deductions)
• Net self-employment earnings, 1099 contract income, and gig-economy income (after allowable business expenses)
• Social Security retirement and SSDI disability benefits (Social Security Disability Insurance, not SSI)
• Unemployment compensation and Oregon WorkShare payments
• Pensions, annuities, and taxable retirement-account distributions (401(k), IRA, pension withdrawals)
• Alimony received under divorce decrees finalized before January 1, 2019 (post-2018 alimony is not taxable under TCJA and therefore not counted)
• Rental income, interest, dividends, and capital gains
• Foreign earned income excluded for federal tax purposes still counts as MAGI for OHP eligibility

Income sources excluded

• Supplemental Security Income (SSI) payments (SSI-related categories use separate OSIPM rules with their own income counting methodology)
• Child support received by the household
• Federal and Oregon state tax refunds and refundable tax credits (Earned Income Tax Credit, Child Tax Credit)
• Veterans Affairs (VA) disability compensation and most VA pensions
• Workers' compensation benefits
• SNAP (food stamps) benefits, TANF cash assistance, and most other need-based cash assistance
• Federal Pell Grants and need-based student financial aid used for tuition, fees, or required educational expenses

How to apply for OHP (Oregon Health Plan) in Oregon

OHP applications go through ONE.Oregon.gov (Oregon Eligibility), the statewide intake portal run by the Oregon Department of Human Services (ODHS) and the Oregon Health Authority (OHA). The same application covers OHP Plus, OHP Bridge, SNAP food benefits, cash assistance, and childcare assistance. Oregon accepts OHP applications year-round with no open-enrollment window. You can apply online at ONE.Oregon.gov, by calling ONE Customer Service at 1-800-699-9075, or in person at any local ODHS office.

1. 1. Gather your documents before starting: photo ID for the head of household, Social Security Numbers for everyone applying, proof of Oregon residency, proof of citizenship or immigration status, and your most recent pay stubs or self-employment records.
2. 2. Create an account or log in at ONE.Oregon.gov. Click 'Apply Now' and select 'Health Coverage' to start the OHP application. You can also call 1-800-699-9075 Monday through Friday 7 a.m. to 6 p.m. to apply by phone.
3. 3. Complete the application: list every household member (including those not applying), report all income sources for the past 30 days (or annual estimate for self-employment), and indicate whether anyone in the household has or recently lost other health coverage.
4. 4. Upload or mail supporting documents. The ONE portal allows secure document uploads directly through your account. If mailing, send to your local ODHS office address listed on the ODHS website.
5. 5. Respond promptly to any ODHS or OHA requests for additional information. Oregon sends notices by mail and through your ONE account. Failure to respond within the stated deadline is one of the most common reasons OHP applications are denied or delayed.
6. 6. Wait for the eligibility determination notice. Standard OHP applications are decided in 45 days. Pregnancy applications qualify for presumptive eligibility, which can start prenatal coverage immediately through a qualified hospital or clinic. If approved, you will receive a letter with your OHP member ID and CCO assignment.

Official portal: ONE.Oregon.gov

Documents needed

• Photo ID for the head of household (Oregon driver's license, state ID, tribal ID, or passport)
• Social Security Numbers for every household member applying for OHP coverage
• Proof of Oregon residency (utility bill, lease agreement, mortgage statement, or a letter from a shelter or transitional housing provider)
• Proof of U.S. citizenship or qualifying immigration status (birth certificate, U.S. passport, permanent-resident card, employment authorization document, refugee admission letter, or asylee approval notice)
• Last 30 days of pay stubs for wage earners, or 12 months of self-employment records and a profit/loss statement for self-employed applicants
• Most recent federal tax return (or a signed statement confirming none was filed if income was below the filing threshold)
• Proof of pregnancy from a licensed health-care provider, if applying for OHP Plus for Pregnant Women

Processing timeline: Standard OHP applications are decided within 45 days of submission. Pregnancy applications qualify for presumptive eligibility through qualified hospitals and federally qualified health centers, which can authorize immediate temporary coverage before the full determination is complete. OSIPM applications for aged, blind, and disabled adults can take 60-90 days because they require a medical or disability determination. If you have not received a decision in 45 days, contact ONE Customer Service at 1-800-699-9075 to check status.

Common reasons applications get denied

• Income above the population-specific threshold: adults denied if MAGI exceeds 138% FPL (or 200% FPL for OHP Bridge), and pregnant women denied if income exceeds 190% FPL after the 5% disregard.
• Failure to respond to requests for additional documentation within the stated deadline (missing pay stubs, missing immigration documents, missing proof of residency).
• Federal 5-year bar for newly arrived lawful permanent residents (exceptions apply for pregnant women, children under 21, refugees, asylees, and certain other immigrant categories under federal CHIPRA rules).
• Residency not verified: applicant cannot provide a utility bill, lease, or other documentation confirming an Oregon address.
• OSIPM asset-test failure for aged/blind/disabled or long-term care applicants: countable resources above $2,000 for an individual or $3,000 for a couple after allowable exclusions.

If your child's family income is over the OHP Plus limit, Oregon CHIP covers children to 305% FPL

Oregon CHIP (Children's Health Insurance Program) is administered through OHP and covers children under age 19 in households earning up to 305% of the Federal Poverty Level, about $8,388 per month ($100,656 per year) for a family of four in 2026. Oregon CHIP provides the same comprehensive benefit package as OHP Plus, including medical, dental, vision, mental health, and substance use disorder treatment, with no premiums and minimal or no copays depending on family income. Children in households between 138% and 305% FPL who do not qualify for OHP Plus are automatically assessed for Oregon CHIP through the same ONE.Oregon.gov application. Oregon's 305% FPL CHIP threshold is one of the most generous in the Pacific Northwest, meaning most Oregon children have access to public health coverage regardless of family income.

Compare CHIP and Medicaid income limits across all 50 states

If you are 65 or older with limited income, Oregon Medicare Savings Programs and OSIPM

Oregon administers three Medicare Savings Programs (MSPs) for low-income Medicare beneficiaries through OHP. Qualified Medicare Beneficiary (QMB) covers individuals up to 100% FPL ($1,330 per month for a single person in 2026) and pays Medicare Parts A and B premiums, deductibles, and coinsurance. Specified Low-Income Medicare Beneficiary (SLMB) covers up to 120% FPL ($1,596 per month) and pays Part B premiums only. Qualifying Individual (QI) covers up to 135% FPL ($1,795 per month) and also pays Part B premiums, funded through a federal block grant. All three MSPs require an asset test (approximately $9,660 for an individual or $14,470 for a couple in 2026). MSP enrollment automatically qualifies members for the federal Extra Help program, which reduces Medicare Part D prescription drug costs. Oregon also runs OSIPM (Oregon Supplemental Income Program-Medical) for elderly and disabled Oregonians, with an income limit of about $994 per month for an individual for regular ABD care and $2,982 per month for nursing-home-level care (OSIPM-LTC), plus a $2,000 asset limit. Dual-eligible Oregonians (enrolled in both Medicare and OHP) can access D-SNP health plans through OHP's coordinated care network.

Read the Medicare eligibility guide

Frequently Asked Questions