Comprehensive Coverage for Every Oregon Resident
The plan covers the full range of care most Oregonians need, from routine checkups to specialists and mental health treatment. All licensed providers in the state would be eligible, with no network restrictions. Click any category to learn more.
These benefits reflect the UHP Governance Board's current draft plan, as described to UHPGB Focus Group participants in Spring 2026. The final package will be determined by the board's recommendations to the legislature in September 2026. HCAO is fighting to make the plan as comprehensive as possible. Join us.
Routine checkups, screenings, and primary care visits. The plan dedicates 15% of total expenditures to primary care, significantly above current averages, to support stronger relationships between patients and their doctors.
Specialist visits, diagnostic tests, therapies such as physical or speech therapy, and outpatient procedures and surgeries. No referral requirements or network restrictions mean you see the provider you need.
Hospitalizations and stays in skilled nursing facilities. Hospitals would operate under global budgets, giving them more predictable funding and reducing the financial instability that threatens rural hospitals today.
Mental health visits, substance use disorder treatment, crisis care, peer support, and detox services. The plan includes additional dedicated funding for mental health above current levels, integrated with primary care wherever possible.
A covered formulary list set by an independent board of pharmacists and clinicians, similar to how the Oregon Health Plan formulary works today. Brand name or specialty drugs not on the formulary may have additional cost-sharing.
Routine dental care and a limited amount of orthodontic care are included in the current draft plan. Whether this benefit may be excluded is still under discussion. Public input will influence what is included. Tell the board that dental should be included.
Routine vision care with limited coverage for glasses or contacts is included in the current draft plan. Whether this benefit will be excluded is still under discussion. Public input will influence what is included. Tell the board that vision should be included.
A limited amount of fertility care is included in the current draft plan. Whether this benefit may be excluded is still under discussion. Public input will influence what is included. Tell the board that fertility services should be included.
Equipment ordered by licensed health care practitioners, such as wheelchairs, ankle braces, and other medically necessary devices covered when prescribed by your provider.
Urgent and emergency care for Oregon residents traveling out of state, covered through a contract with a national carrier network. Oregon students under 26 attending school in other states would also be covered.
Each part of the plan shared here is preliminary, and development is ongoing. Benefits that may ultimately be excluded include vision, dental, and/or fertility services. What is included in the final plan will depend on public input from Oregonians like you. HCAO is advocating for the most comprehensive coverage possible. Join us.
For Most Oregonians, Costs Would Go Down
Under a universal health plan, most Oregonians would pay less for health care overall. Instead of premiums, deductibles, and copays paid to private insurers, coverage is funded through a progressive income contribution. The lower your income, the less you pay. Households below 200% of the federal poverty line pay nothing.
These figures reflect the UHP Governance Board's current draft plan, as described to UHPGB Focus Group participants in Spring 2026. They are estimates and will be refined before the board submits final recommendations in September 2026.
Individual with employer-provided insurance. Assumes a medium to large employer with a payroll of at least $5 million. Annual costs include premiums, copays, coinsurance, and deductibles.
| Annual Income | Current Cost / Year | UHP Cost / Year |
|---|---|---|
| $35,000 | $2,813 | No cost |
| $55,000 | $3,063 | No cost |
| $75,000 | $3,313 | $1,111 |
| $100,000 | $3,313 | $2,556 |
| $150,000 | $3,313 | $5,446 |
Household of four with employer-provided insurance. Assumes a medium to large employer with a payroll of at least $5 million. Annual costs include premiums, copays, coinsurance, and deductibles.
| Household Income | Current Cost / Year | UHP Cost / Year |
|---|---|---|
| $65,000 | $7,938 | No cost |
| $105,000 | $9,688 | $890 |
| $150,000 | $10,688 | $4,678 |
| $195,000 | $10,688 | $8,580 |
| $250,000 | $10,688 | $11,759 |
Self-employed individual with ACA marketplace coverage, aged 30, Silver plan. Current costs reflect premiums only and do not include out-of-pocket costs, which vary widely by plan.
| Annual Income | Current Cost / Year | UHP Cost / Year |
|---|---|---|
| $35,000 | $2,576 | $311 |
| $55,000 | $5,478 | $2,331 |
| $75,000 | $6,000 | $4,351 |
| $100,000 | $6,000 | $6,876 |
| $150,000 | $6,000 | $11,926 |
Household of four with ACA marketplace coverage. Principal policyholder aged 40, Silver plan. Current costs reflect premiums only.
| Household Income | Current Cost / Year | UHP Cost / Year |
|---|---|---|
| $65,000 | $4,220 | No cost |
| $105,000 | $10,458 | $4,829 |
| $150,000 | $21,600 | $11,458 |
| $195,000 | $21,600 | $17,004 |
| $250,000 | $21,600 | $22,559 |
Source: Universal Health Plan Governance Board preliminary summary, February 2026. All figures in 2026 dollars. Employer figures assume medium to large employers with payrolls of at least $5 million. ACA figures reflect premiums only due to wide variation in out-of-pocket costs across plans.
Each part of the plan shared here is preliminary, and development is ongoing. Details of the final plan will depend on public input from Oregonians like you. HCAO is fighting for the most equitable, affordable, comprehensive, and high-quality plan possible. Join us.