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Marketplace enrollment falls after enhanced subsidy expiration; Oregon readies a state‑based marketplace

Oregon Legislative Joint Ways and Means Human Services Committee · February 11, 2026
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Summary

OHA told lawmakers marketplace enrollment fell about 15.25% since 2025 after enhanced premium tax credits ended; the agency outlined a multi‑year state‑based marketplace transition with projected costs of roughly $97M through 2031 and flagged data limits on tracking disenrolled consumers.

Cheeky Flowers, director of the Oregon Health Insurance Marketplace, briefed the Ways and Means Human Services committee on Feb. 11, saying the expiration of enhanced premium tax credits on Dec. 31, 2025 was the primary driver of large price increases and an enrollment decline in 2026.

Flowers said the enhanced credits, introduced in 2021, had previously reduced costs for more than 111,000 Oregonians; with the end of the enhanced credits some households now face monthly premium increases in the low hundreds. "Thousands of people in Oregon are now paying $127 to $456 more per month for coverage, depending on their income," Flowers said. She reported that open enrollment resulted in a 15.25 percent drop in marketplace enrollment compared with 2025, a decrease of about 40,000 plan selections, with heaviest losses in silver and gold…

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