Oregon Medicaid Income Limits 2026: OHP and Bridge

OHA says OHP and OHP Bridge come at no cost to members, and applying is free. To compare Oregon with other states, see our national Medicaid income limits guide.

Oregon Health Plan Income Limits by Household Size (2026)

Oregon publishes 5 monthly MAGI standards that decide most OHP cases, and all of them changed on March 1, 2026. According to the 2026 Oregon transmittal data in OEP-PT-26-005, a household of three can have up to $3,142 a month for OHP Plus as an adult or a child 1 to 18, $4,326 in pregnancy, $4,668 for OHP Bridge and $6,944 for a child on CHIP. These are gross monthly amounts with Oregon's 5% disregard already added.

Source: Oregon Department of Human Services, OEP-PT-26-005 (opens in a new tab), Tables 1 and 2, effective March 1, 2026. The transmittal's column headers say "2025 Standard," but the dollar amounts match the 2026 HHS guidelines ($1,330 a month at 100% for one person) and the transmittal states they apply from March 1, 2026. Oregon notes the parent and caretaker standard is a fixed dollar amount that doesn't follow the poverty guidelines; only its disregard changes each year.

OHP Bridge yearly ranges

OHP Bridge is tested on yearly income, not monthly, so OHA publishes it as a range:

Sources: OHA OHP Bridge page (opens in a new tab) (sizes 1 to 4, "through February 2027") and OEP-PT-26-005 Table 3 (sizes 5 to 8). Add $7,555 to the lower figure and $11,360 to the upper figure for each person beyond eight.

OHP Bridge covers medical, dental and behavioral health care at no cost, like OHP Plus, but it doesn't include long-term services and supports or the housing and nutrition benefits. It's for adults up to age 65 who don't have access to affordable health insurance and who have an eligible immigration status.

Seniors, disability and long-term care limits

Oregon runs these groups through OSIPM (Oregon Supplemental Income Program Medical), which follows the federal SSI rate instead of the poverty guidelines.

Sources: OEP-PT-25-045 (opens in a new tab) (OSIPM and long-term care standards, effective January 1, 2026), OEP-PT-26-005 (opens in a new tab) (EPD and Medicare Savings Program standards, effective March 1, 2026) and OAR 461-160-0015 (opens in a new tab) (resource limits; the posted version is a temporary rule effective October 1, 2026 through March 28, 2027).

The SSI-based numbers move every January. SSA's federal SSI rate is $994 for one person in 2026 and $1,029 in 2027, per the SSA payment table (opens in a new tab), so expect Oregon's OSIPM and long-term care standards to rise with the January 2027 COLA transmittal.

How Oregon Counts Your Income

Oregon uses 2 separate rule sets: MAGI for OHP Plus, OHP Bridge and CHIP, and OSIPM rules for people who qualify by age, blindness or disability.

MAGI rules follow federal tax definitions. Wages, net self-employment income, unemployment benefits and taxable Social Security count; child support received, SSI and educational income generally don't. Your household is built from your tax return: you, a spouse and your tax dependents. Each unborn child of a pregnant member counts, so a pregnant woman with one child at home is a household of three. MAGI coverage has no resource test.

The 5% disregard is what turns 133% into 138%. In OEP-PT-26-005, Oregon prints both versions side by side: $1,769 for one person at 133% and $1,836 once the disregard is added. The higher number is the one ODHS staff compare your income to.

The 100% annual income test is a second chance most people don't know about. If someone fails on monthly income (say, a seasonal worker with a big summer month), ODHS can compare their yearly income to 100% of poverty instead. The transmittal says this test uses tax filing rules, so it isn't open to non-filers or married people filing separately.

OSIPM rules cover seniors, people with disabilities and long-term care. They allow SSI-style income deductions and count resources like bank accounts. A community spouse of a nursing home resident can keep between $32,532 and $162,660 of the couple's resources in 2026, and up to $4,066.50 a month in income, according to the January 2026 COLA transmittal data.

For example, a family of three in Oregon earning $3,400 a month gross (one parent, a 3-year-old and a 10-year-old) would be over traditional OHP for the parent, specifically $258 above the $3,142 adult line. But the parent fits under OHP Bridge's $4,668 monthly standard, and both children are well under CHIP's $6,944. The whole household ends up covered at no cost: the parent on Bridge and the kids on CHIP-funded OHP Plus. Without Bridge, that parent would be shopping for a HealthCare.gov plan.

Oregon Medicaid Asset Limits

$2,000 for one person and $3,000 for two is the OSIPM resource limit under OAR 461-160-0015, and it applies to seniors, people with disabilities and long-term care applicants. Adults, parents, children and pregnant women on MAGI coverage have no asset test.

Other resource rules worth knowing:

• Medicare Savings Programs: the same rule says all resources are excluded for QMB, SLMB and QSMF, so savings don't block help with Medicare costs.
• Employed Persons with Disabilities: the limit is $5,000, and approved retirement or savings accounts can be excluded.
• Home equity: a long-term care applicant's home equity limit is $752,000 in 2026, per the OEP-PT-25-045 transmittal.
• Personal needs: a nursing facility resident keeps $81.28 a month as a personal incidental allowance in 2026, and the rest of their income goes toward care.

Giving away assets for less than they're worth can delay long-term care coverage. Families thinking about transfers should talk with legal aid or an elder law attorney first.

Expansion vs Non-Expansion: Oregon's Position in 2026

Oregon is a Medicaid expansion state, so 133% of poverty plus the 5% disregard covers adults 19 to 64 regardless of parenthood. The Medicaid.gov eligibility levels table (opens in a new tab) (as of December 1, 2023) lists Oregon at 133% for expansion adults, 33% (a dollar standard) for parents, 185% for pregnant women and infants, 133% for children 1 to 18 and 300% for separate CHIP. That table doesn't show OHP Bridge, which pushes adult coverage to 200%. Our California Medi-Cal income limits guide covers the neighbor to the south, and our Texas Medicaid income limits guide shows how a non-expansion state treats the same adults.

What changes next, according to the OHA federal changes guide (updated September 18, 2026):

• Work or activity rules in 2027. Adults 19 to 64 who aren't pregnant, don't have Medicare, don't get SSI and don't qualify based on disability will need more than $580 a month in household income, half-time school, or 80 hours a month of work, volunteering, caregiving, school or training. OHA sent notices in September 2026, and the rules are checked when you apply or renew. In 2027, you can tell OHP you have an exemption without proof; proof will be required for more exemptions in 2028.
• More frequent renewals in late 2027. Adults 19 to 64 without Medicare or a disability-based program will renew every six months. Today most OHP members renew every two years and children under 6 don't renew until their sixth birthday; OHA says that ends in late 2027.
• Shorter retroactive coverage on January 1, 2027. Most adults 19 to 64 get one month of past bills covered instead of three; everyone else gets up to two.
• Fees for some services starting October 2028.

Immigration changes. OHA's apply page says that since July 1, 2023, people of any age or immigration status may be eligible for full OHP benefits through Healthier Oregon. Because of the federal law, about 7,000 members such as refugees, asylees and some humanitarian parolees moved to Healthier Oregon in October 2026, with the same benefits. Healthier Oregon members move to OHP Open Card (fee-for-service, outside a coordinated care organization) in January 2027. Children and people in these groups who qualify for OHP Bridge aren't affected by the October move.

What OHA Doesn't Tell You About Oregon Health Plan Limits

Grantsights found 5 gaps between how OHA and ODHS publish these standards and what they mean for a household:

1. OHP Bridge closes most of the adult gap. Grantsights analysis of the OEP-PT-26-005 tables shows a three-person household's adult coverage ceiling rises by $1,526 a month with Bridge ($4,668 versus $3,142). Many working adults underestimate this and assume they're over the limit at 138%.
2. The parent column is a trap. The parent and caretaker standard is just $725 a month for three. Almost every working parent qualifies through the adult group instead, so ignore that column unless ODHS tells you it applies.
3. The headline chart says "2025." OEP-PT-26-005 labels its columns "2025 Standard," yet the dollar figures are the 2026 ones effective March 1, 2026. Don't let the label convince you the numbers are stale.
4. CHIP in Oregon is free. Unlike many states' CHIP programs, children's CHIP coverage in OHP carries no premium, and it reaches $8,388 a month for a family of four.
5. Two different appeal clocks. OHP medical programs run under OHA rules with a 90-day appeal window, while ODHS public assistance rules use 45 days. The notice you get tells you which applies.

Common Mistakes and Red Flags

These mistakes produce most wrong answers about OHP eligibility:

• Stopping at 138%. A common mistake is reading the OHP Plus limit, seeing you're over it, and never applying. OHP Bridge goes to 200%.
• Using net pay. OHP uses gross income before taxes, minus a few tax deductions.
• Applying Bridge's yearly test to a monthly budget. Bridge looks at yearly income; OHP Plus looks at monthly. A spike in one month may not knock you out of Bridge.
• Missing renewal mail in 2027. With six-month renewals and work rules coming, a missed letter is the fastest way to lose coverage you still qualify for. Keep your address current with ONE.
• Paying for help. Applying for OHP is free, and OHP-certified community partners help at no cost. A red flag is anyone charging a fee, asking for gift cards, or calling to "protect" your benefits for payment.
• Assuming immigration status rules you out. Healthier Oregon covers people regardless of status, so apply and let ODHS decide.

How to Apply for the Oregon Health Plan and How Long It Takes

Oregon must decide a medical application within 45 days: OAR 461-025-0310 and OAR 410-200-0145 both give you a hearing right if ODHS or OHA hasn't approved or denied it by then. Enrollment is open all year.

1. Online: at ONE.Oregon.gov (opens in a new tab), Oregon's benefits portal, which also handles SNAP and cash help. The free Oregon ONE Mobile app lets you upload documents.
2. By phone: ONE Customer Service at 1-800-699-9075.
3. In person: at a local Oregon Department of Human Services office or an OHP-certified community partner. Paper applications are on the OHA apply page (opens in a new tab) in more than 15 languages.
4. Seniors and people with disabilities: OHA directs them to the Aging and Disability Resource Connection at 1-855-673-2372.

Bring pay stubs or a tax return, Social Security numbers and immigration documents if you have them. If you also need food help, our Oregon food stamps guide covers SNAP, which uses different limits.

What to Do If You're Denied

You have 90 days from the date you receive a notice to request a hearing on an OHP medical decision, under OAR 410-200-0145. ODHS programs governed by OAR 461-025-0310 use a 45-day window from the notice date, so check which deadline is printed on your letter. Hearings go to Oregon's Office of Administrative Hearings.

Read the reason first. If it's income, check that ODHS used gross monthly income for OHP Plus, yearly income for OHP Bridge, and the right household size, including unborn children. If you were close to the line, ask about the 100% annual income test. Legal aid offices in Oregon help with OHP hearings for free.

If You're Over the Oregon Health Plan Limit

Being over 200% still leaves 5 routes to check, and the children are the best bet in most families because CHIP runs to 305%:

• HealthCare.gov plans: Oregon's marketplace runs on HealthCare.gov (opens in a new tab), where premium tax credits lower costs above Bridge's range.
• CHIP-funded OHP for kids: free coverage up to $8,388 a month for a family of four.
• Pregnancy coverage: OHP covers pregnancy up to 190% with the disregard, a higher line than the adult limit.
• Medicare Savings Programs: no resource test, and QSMF reaches $1,796 a month for one person.
• Employed Persons with Disabilities: workers with disabilities can qualify at much higher earnings for a monthly participant fee of $0 to $150, set by income.

To see where the Oregon percentages come from, use our federal poverty guidelines guide. For an older relative, our SSI income limits and senior help programs guides fill in cash and service options, and our WIC and LIHEAP income limit guides cover a new baby's food and the household's energy costs. Grantsights' free eligibility checker can also point you to official programs for rent, utilities and other needs. It doesn't decide OHP eligibility and doesn't submit anything; it shows where to apply.

FAQ: Oregon Medicaid Income Limits

What is the income limit for the Oregon Health Plan in 2026?

OHP Plus: $1,836 a month for one adult and $3,795 for a family of four, since March 1, 2026.

What is OHP Bridge and who qualifies?

No-cost coverage for adults from 133% to 200% of poverty, up to $31,920 a year for one.

How much can a family of 4 make and get OHP?

Adults up to $5,638 a month through Bridge; children up to $8,388 through CHIP.

What is the OHP income limit for pregnant women?

$3,427 a month for a household of two and $4,326 for three.

What are the Oregon Medicaid limits for seniors and people with disabilities?

$994 a month and $2,000 in resources for one person; $2,982 for long-term care.

Does Oregon cover immigrants on OHP?

Yes, through Healthier Oregon, regardless of immigration status.

When do OHP work requirements start?

In 2027, checked at application or renewal for adults without an exemption.

How long do I have to appeal an OHP denial?

90 days from receiving the notice for OHP medical programs.

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Sources

1. Oregon ODHS: OEP-PT-26-005, 2026 Federal Poverty Level Income Standard Updates (opens in a new tab), issued February 5, 2026, effective March 1, 2026
2. Oregon ODHS: OEP-PT-25-045, 2026 Annual Social Security Cost of Living Adjustment (opens in a new tab), effective January 1, 2026
3. Oregon Health Authority: OHP Bridge (opens in a new tab) - yearly ranges through February 2027
4. Oregon Health Authority: OHP Work or Activity Rules and Federal Changes (opens in a new tab), updated September 18, 2026
5. Oregon Health Authority: Apply for the Oregon Health Plan (opens in a new tab)
6. Oregon ODHS: OAR 461-160-0015, Resource Limits (opens in a new tab), temporary rule effective October 1, 2026 through March 28, 2027
7. Oregon ODHS: OAR 461-025-0310, Hearing Requests (opens in a new tab), effective October 1, 2026
8. OAR 410-200-0145, Contested Case Hearings (OHA medical programs, 90-day timeliness), Oregon Secretary of State administrative rules
9. Medicaid.gov: state eligibility levels table (opens in a new tab) - Oregon row, December 1, 2023 data
10. HHS ASPE: 2026 Poverty Guidelines (opens in a new tab)
11. SSA: SSI Federal Payment Amounts (opens in a new tab) - basis for OSIPM's $994 standard; 2027 rate $1,029