Oregon long-term care insurance: cost & coverage
What long-term care costs in Oregon, who regulates insurance here, whether the state has an LTC Partnership program, and how to compare quotes.
Who regulates long-term care insurance in Oregon
Long-term care insurance policies sold in Oregon are regulated by the Oregon Division of Financial Regulation. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.
What long-term care costs in Oregon
Median assisted living cost in Oregon vs. the national median:
| Location | Median / month | Approx. / year |
|---|---|---|
| Oregon | $7,758 | $93,096 |
| National median | $6,313 | $75,756 |
Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.
What each type of care costs in Oregon
Assisted living is only one of the settings people use. Median monthly costs across the main care types in Oregon:
| Type of care | Median / month | Approx. / year |
|---|---|---|
| Home health aide | $6,909 | $82,908 |
| Assisted living | $7,758 | $93,096 |
| Nursing home (semi-private room) | $16,781 | $201,372 |
| Nursing home (private room) | $18,135 | $217,620 |
Source: SeniorLiving.org Cost of Care Research (2026)
Oregon's LTC Partnership program
Oregon has an active LTC Partnership program. Oregon runs a Qualified Partnership Program (administered jointly with DHS) offering dollar-for-dollar Medicaid asset protection.
A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.
How the Partnership program works in Oregon
Oregon's Partnership program has covered qualified long-term care policies issued on or after January 1, 2008, under state rule OAR 836-052-0531. The Oregon Division of Financial Regulation licenses the partnership policies, while the Department of Human Services determines Medicaid eligibility once a policyholder's benefits are used up. Reciprocity runs both ways: an Oregon partnership policy protects assets if you later apply for Medicaid in another state, but only if that state recognizes Oregon's federally approved program as a partnership policy — and the same test applies in reverse for policies bought elsewhere before a move to Oregon.
Source: Oregon Division of Financial Regulation (2026)
How Oregon treats LTC premiums at tax time
Oregon has a state income tax, but its long-term care insurance premium credit (formerly ORS 315.610, worth 15% of premiums up to $500) sunset on December 31, 2015, per the Oregon Department of Revenue. The credit no longer appears in the state's current tax forms: Oregon's 2025 Schedule OR-ASC credit-code list (Publication OR-CODES) has no long-term-care insurance entry at all. LTC premiums no longer reduce Oregon income tax through a dedicated credit, though they may still count toward the federal itemized medical-expense deduction that flows through to the Oregon return.
Source: Oregon Department of Revenue (2015)
This is general information, not tax advice. Confirm your own situation with a tax professional licensed in Oregon.
Medicaid long-term care in Oregon
Oregon's Medicaid program for long-term care is called OSIPM (Oregon Supplemental Income Program-Medical), administered by the Oregon Department of Human Services' Aging and People with Disabilities program. A single OSIPM applicant's countable resources generally cannot exceed $2,000, with income measured against the private-pay cost of nursing facility care. A married applicant's non-applying spouse keeps additional resource and income protections under federal spousal-impoverishment rules that Oregon administers through the same program.
Source: Oregon Dept. of Human Services (ODHS), Aging and People with Disabilities (2026)
Other Oregon long-term care programs
- Project Independence–Medicaid (OPI-M). Oregon runs Project Independence–Medicaid (OPI-M), a Medicaid-funded in-home service program that helps adults age 60+ pay for household and personal-care support so they can stay at home instead of moving to a nursing facility. To qualify, gross monthly income generally cannot exceed 400% of the Federal Poverty Level for a household of one ($5,320/month effective January 1, 2026), and countable resources cannot exceed roughly $103,645 for the July 2026–June 2027 program year — a figure ODHS recalculates annually from the basic daily nursing-facility rate.
How to compare quotes in Oregon
- Confirm any agent or carrier you talk to is currently licensed to sell in Oregon — the Oregon Division of Financial Regulation can confirm licensing status.
- Ask which products a carrier is actively writing in Oregon today — availability changes state by state and year to year. See carriers we compare.
- If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in Oregon — see this state's Partnership status above.
- Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
- Get quotes from more than one carrier; pricing for the same coverage can vary significantly.
Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Oregon Division of Financial Regulation or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Oregon's insurance regulations or Medicaid program.
Last updated: August 22, 2026
Compare long-term care insurance costs in Oregon
Free cost comparison
See personalized long-term care insurance costs from the carriers still writing new policies in 2026 — no obligation and no pressure.
Request a free, no-obligation cost comparisonThe LTC411 Guide
Prefer to read up first? Get our complete, plain-English guide to planning and paying for long-term care, delivered to your inbox.
Get the free complete guide