How to choose a health plan with confidence

October 2026

Choosing a health plan can feel overwhelming. The good news is that a few key considerations can go a long way in helping you find a plan the fits your needs.

Providence accepts many health insurance plans. Starting with what matters most to your health needs can help you make a more informed decision and determine options that keep your care with the Providence doctors, clinics and hospitals you know and trust.

A simple framework for narrowing your choices:

• Start with your care team: Make a list of the doctors, specialists, clinics and hospitals you want to continue using. Be sure to check with your insurance provider that Providence providers and facilities are included in the plans you're considering.
• Consider your health needs: Think about the care you've used over the past year, including doctor visits, ongoing conditions, prescriptions and any planned procedures.
• Review costs beyond the monthly premium: Compare deductibles, copays and out-of-pocket maximums, not just monthly costs. A lower premium doesn't always mean lower overall healthcare expenses.
• Focus on your top priorities: Ask yourself: What matters most? Keeping your doctor? Managing prescription costs? Predictable expenses? Narrow your options based on the priorities that are most important to you and your family.

Get local help

• Learn how to keep your care with Providence.
• Get a checklist for questions you should ask before you enroll.<_o3a_p>

Get the details on local insurance:

• Oregon Health Plan
• <_o3a_p>Oregon Healthcare
• Healthcare.gov<_o3a_p>
• <_o3a_p>Senior Health Insurance Benefits Assistance (SHIBA)

<_o3a_p>Providence partners with the independent Medicare advisors at DDI Benefits, Inc.

• <_o3a_p>Join a live Medicare 101 webinar. Register for free at: Medicare 101 Seminars | DDI Benefits
• Watch Medicare 101 refresher video.
• Contact DDI Benefits at 503-206-4080 or 844-806-2500 (TTY: 711), email: [email protected], website: Medicare | DDI Benefits
• Get practical tips for checking if your provider is covered.<_o3a_p>