Written by a parent, not a doctor. Nothing here is medical advice.

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Oregon program

No-cost coverage just above the Oregon Health Plan line (OHP Bridge)

No-cost health coverage for adults just above the ordinary OHP income line [OHP Bridge].

What it is

No-cost health coverage for adults just above the ordinary OHP income line [OHP Bridge].

A parent can earn too much for ordinary OHP and still have a no-cost coverage option. Bridge uses an annual income band and checks access to affordable insurance. Your child's coverage is assessed through the child programs instead.

Eligibility rules
  • Applicants must be ages 19 through 64, live in Oregon and have an eligible citizenship or immigration status.
  • Bridge covers adults with yearly income between about $43,900 and $66,000 for a family of four (from July 2026), roughly $3,660 to $5,500 a month, who have no affordable insurance offer.
  • The annual upper limit is $54,640 for three people and $43,280 for two.
What you get
  • No premium, copays or deductible.
  • Adult doctor visits, hospital care and medicines.
What the help includes
  • Bridge fills the adult income band above ordinary OHP through 200% of poverty.
If you decide to apply
  1. Ask the hospital counselor to check Bridge through ONE or HealthCare.gov.
  2. Have expected annual income and the cost and details of any work coverage offer ready.

1-800-699-9075 · Official page ↗

After you ask
  • Oregon Health Authority decides the Bridge application and the coverage start date.
Good to know

An affordable work insurance offer can block Bridge even if you have not taken that coverage.

Other details
  • Bridge Basic Health Program and Bridge Basic Medicaid have different income rules. The published five-point column exists for Bridge Basic Medicaid; it should not be applied to the Basic Health Program annual table. ONE determines the correct route.
  • The published Bridge table is annual. A monthly-income screen is only a starting point for the agency's calculation.
Official sources
Ask your social worker

“If ordinary OHP does not cover me, could Bridge work? What are the benefits and drawbacks, including how work coverage affects it, and could you help with an application if it fits?”

Why I’m asking: I want to understand the no-cost adult option just above the OHP limit.

More background and detailed requirements
Additional program information and published rules

Who does what

The three parts, side by side. The agency decides; nobody on this page does.

You

Apply and say whether work offers affordable coverage.

Your social worker

The social worker asks for the Bridge screen when the adult answer was no on income.

The care team

Records and letters when the application asks for them.

Who decides
The Oregon Health Authority.
Ask your social worker
“We are a little over the adult line. Can you ask them to check OHP Bridge for us?”

How to apply

First step: Apply at ONE.Oregon.gov and ask for OHP Bridge by name.

  1. Apply at ONE.Oregon.gov and ask specifically about OHP Bridge if the adult answer was no on income.

Official application / program page ↗

Where it starts: Apply at ONE.Oregon.gov or on HealthCare.gov.

What to gather

  • Household income for the year
  • What the work plan would cost you

How long: Decided on the same application clock.

What a yes looks like

A no-cost coverage notice and a plan to choose.

What a no looks like, and the next move

If it is about affordable work coverage, ask what figure they used.

Watch out

  • Oregon publishes this band by the year, not by the month.
  • The five-point allowance that helps at the child line does not apply here.

The numbers and the rules

The arcane layer, kept on purpose. Checked September 11, 2026.

What it is worth

No-cost adult coverage from about $43,896 to $66,000 a year for a family of four.

  • $66,000/year — Family of 4, published upper limit (200%)
  • $43,896/year — Family of 4, published lower boundary
  • $54,640/year — Family of 3, published upper limit (200%)
  • $43,280/year — Family of 2, published upper limit (200%)

Covers: Doctor, hospital and prescriptions through a coordinated care organization

Legal protection: No premiums, no copayments, no coinsurance and no deductibles

What it costs the family: Nothing.

The eligibility facts, as published

Age
19 to 64
Income
above the adult Oregon Health Plan line and at or under 200% of the federal poverty level, published annually, effective July 1, 2026
Insurance status condition
no access to affordable health insurance
Immigration
an eligible citizenship or immigration status is required
Residency
Oregon

The trap: The published band is annual, not monthly, and the five-point column does not apply to Bridge. So the arithmetic that works for the child line does not work here.

Where I read this

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